Privacy Policy

1. Introduction

Universal Mortgage Lending ("we," "us," or "our") values your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, share, and protect your information in accordance with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and other applicable laws.

2. Information We Collect

In the course of providing mortgage services, we collect the following types of information:

  • Personal identification (name, SSN, date of birth)
  • Contact information (address, phone, email)
  • Financial information (income, assets, liabilities)
  • Employment information
  • Property information
  • Credit reports and scores
  • Bank statements and tax documents
  • Information about co-borrowers or guarantors

3. How We Use Your Information

We use your information for:

  • Processing mortgage applications
  • Underwriting loans
  • Verifying your identity and information
  • Complying with regulatory requirements
  • Servicing your loan
  • Preventing fraud
  • Reporting to credit bureaus

4. Information Sharing and Disclosure

We may share your information with:

  • Credit bureaus and reporting agencies
  • Loan underwriters and processors
  • Title companies and appraisers
  • Government agencies (for HMDA reporting)
  • Mortgage servicers and investors
  • Legal and regulatory authorities
  • Third-party service providers essential to our operations

5. Data Security and Retention

We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your information. These include:

  • Secure document storage
  • Encryption of digital information
  • Access controls and authentication
  • Regular security assessments
  • Employee training on privacy procedures

We retain your information for the period required by federal and state mortgage regulations.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. You can adjust your browser settings to refuse cookies, but this may limit some features of our service.

7. Your Rights and Choices

You can access, update, or delete your personal information by accessing your account settings. If you need assistance, please contact us at the address below.

8. Children's Privacy

Our services are not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13.

9. International Data Transfers

As we operate globally, your information may be transferred to and processed in countries other than your own. We comply with applicable data protection laws for such transfers.

10. California Privacy Rights

California residents have certain rights regarding their personal information under the California Consumer Privacy Act (CCPA). Please see our California Privacy Notice for more information.

11. European Union Users

For users in the European Union, we comply with the General Data Protection Regulation (GDPR). Please see our GDPR Compliance Statement for more information on your rights and how we process your data.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Universal Mortgage Lending
30400 Telegraph Road, Suite 475
Bingham Farms, MI 48025