Privacy Policy

Introduction

Tyler Shearer Mortgage Team, operating through Gesa Credit Union (NMLS #410395), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage services. Please read this policy carefully. By using our services, you consent to the practices described in this policy.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when you:

• Submit a mortgage application or inquiry form
• Request a mortgage review or rate quote
• Subscribe to our newsletter
• Contact us via phone, email, or our website
• Schedule an appointment or consultation

This information may include:

• Name, email address, phone number, and mailing address
• Social Security Number (for credit and loan applications)
• Employment and income information
• Asset and liability information
• Property information
• Credit history and credit scores
• Government-issued identification

Automatically Collected Information

When you visit our website, we may automatically collect certain information including your IP address, browser type, operating system, referring URLs, and information about how you interact with our website.

How We Use Your Information

We use the information we collect to:

• Process your mortgage application and provide lending services
• Verify your identity and assess your creditworthiness
• Communicate with you about your loan application or account
• Send you marketing communications (with your consent)
• Respond to your inquiries and provide customer support
• Comply with legal and regulatory requirements
• Prevent fraud and protect against security threats
• Improve our website and services

Gramm-Leach-Bliley Act (GLBA) Privacy Notice

As a financial institution, we are required to provide you with this privacy notice under federal law. We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.

Categories of Information We Collect

• Information from applications (name, address, income, assets)
• Information from transactions with us (loan balances, payment history)
• Information from consumer reporting agencies (credit history)

Information We May Disclose

We may disclose your nonpublic personal information to third parties as permitted by law, including:

• To process and service your mortgage loan
• To comply with legal requirements and court orders
• To protect against fraud
• To affiliated companies for marketing purposes (you may opt out)

Information Sharing and Disclosure

We may share your information with:

• Service Providers: Companies that help us process loans, verify information, or provide other services
• Credit Bureaus: To verify credit information and report loan activity
• Government Agencies: As required by law for regulatory compliance
• Investors and Secondary Market: In connection with the sale or transfer of loans
• Title Companies and Appraisers: To complete your real estate transaction
• Insurance Companies: For required mortgage insurance

Communication Preferences

When you provide consent, we may contact you via:

• Phone calls: Regarding your mortgage application or services
• Text messages: For appointment reminders and updates (reply STOP to opt out)
• Email: For newsletters, updates, and marketing communications

You may opt out of marketing communications at any time by contacting us or following the unsubscribe instructions in our emails. We may still send transactional communications related to your loan or account.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure data storage, access controls, and employee training. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information:

• Right to access your personal information
• Right to correct inaccurate information
• Right to request deletion of your information (subject to legal requirements)
• Right to opt out of certain data sharing
• Right to receive a copy of your information

To exercise these rights, please contact us using the information below.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. You can control cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

For Gesa Credit Union privacy inquiries, visit www.gesa.com.