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Privacy Policy

Last Updated: January 2024

1. Online Privacy Statement

This Privacy Statement describes the online information collection and use practices of this website and its affiliates. We are committed to protecting your privacy and ensuring the security of your personal information.

2. Children's Privacy (COPPA)

We do not knowingly collect personal information from children under 13 years of age. If we discover that we have inadvertently collected personal information from a child under 13, we will delete such information from our records promptly.

3. User Acknowledgment

By accessing this site, you consent to the privacy practices described in this statement. Submission of information through this website grants permission for us to contact you via email, fax, or telephone, regardless of your presence on any "Do Not Call" registry or similar opt-out list.

4. Third-Party Links

This website may contain links to third-party websites that are not affiliated with us. We are not responsible for and do not endorse the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

5. Information Collection

We may collect various types of information when you visit our website or request our services, including:

• Personal identification information (name, address, phone number, email address)
• Financial information related to loan applications
• Billing and payment information
• Technical information (IP addresses, browser type, device information)
• Website usage data (pages visited, time spent on site, referring pages)
• Information collected through cookies and web beacons
• Email address, phone number (when provided)
• Free-text message content submitted through contact or inquiry forms
• Automatically collected data such as IP address, browser type, device information, pages visited, and cookies

5.1 AI-Powered Tools and Conversational Data

When you interact with our services through AI-powered tools (such as our ChatGPT application), we may receive and process the text you submit, including questions about our mortgage services. Your inputs may also be processed by third-party AI platforms, including OpenAI, in accordance with their own privacy policies. We do not permanently store conversational data unless necessary for customer support, security, or legal compliance.

6. Information Use

The information we collect is used for the following purposes:

• Processing loan applications and providing mortgage services
• Responding to service requests and inquiries
• Responding to inquiries and providing customer support
• Providing AI-powered assistance through our ChatGPT application
• Improving our website and service offerings
• Ensuring the security of our platform
• Complying with legal and regulatory requirements
• Communicating with you about our products and services
• Marketing purposes (with your consent where required)

6.1 Data Recipients

We may share your information on a strictly confidential basis with service providers such as title companies, appraisers, credit bureaus, and other parties involved in the mortgage process.

Our services also operate through third-party platforms and service providers, including:

• AI Platforms: OpenAI, which processes user inputs submitted through our ChatGPT application under its own terms and privacy policies
• Hosting: Cloud hosting providers for website infrastructure
• Analytics: Google Analytics and similar services for website analytics
• Communication: Email and communication platforms for customer correspondence
• Scheduling: Scheduling tools for appointment management

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us:

• Remember your preferences and settings
• Maintain your login information
• Analyze website traffic and usage patterns
• Provide personalized content and advertising

Please note that we currently DO NOT follow "Do Not Track" signals from web browsers. You can control cookies through your browser settings, though disabling cookies may limit some website functionality.

8. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

9. Your Rights and Choices

You have certain rights regarding your personal information:

• You may request access to the personal information we hold about you
• You may request corrections to inaccurate or incomplete information
• You may request deletion of your personal data
• You may request a copy of your data in a portable format
• You may opt out of marketing communications at any time
• You may manage cookie preferences through your browser settings
• You may limit prescreened credit offers by calling (888) 567-8688 or visiting optoutprescreen.com

To exercise any of these rights, please contact us at Tim.Smith@ccm.com. We will respond within 30 days.

10. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this privacy policy. Typical retention periods include:

• Client and inquiry data: Up to 2 years after last contact, or longer as required by mortgage lending regulations
• Analytics and cookie data: As defined by our analytics provider settings, typically 26 months
• Conversational data from AI interactions: Up to 30 days unless required longer for security or legal reasons
• Loan application records: As required by federal and state lending regulations, typically 3-7 years

When data is no longer needed, we securely delete or anonymize it in accordance with industry standards and legal requirements.

11. 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 post the updated policy on this page with a revised "Last Updated" date. Your continued use of our website after any changes indicates your acceptance of the updated policy.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Tim Smith
Email: Tim.Smith@ccm.com
Phone: 901-443-9132
Address: 6263 Poplar Ave, Suite 430, Memphis, TN 38119

13. Consent

By using this website, you signify your consent to this Privacy Policy. If you do not agree to this policy, please do not use our website. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.