Effective Date: September 10, 2026
Last Updated: September 10, 2026

This Privacy Policy describes how Leonardo Caruso (“I,” “me,” or “my”), NMLS# 2052094, a licensed mortgage loan officer operating as an independent contractor under [Insert Broker’s Legal Name], NMLS# [Insert Broker NMLS ID] (the “Broker”), operating the website located at https://yourmortgageloanofficer.com (the “Site”), collects, uses, discloses, and protects information about visitors to the Site and individuals who apply for or inquire about mortgage loan origination services through the Site.

This Site is used in connection with the origination of residential mortgage loans and related services. Because I originate loans as an independent contractor of the Broker, certain information you submit through this Site may also be collected, used, and shared by the Broker in accordance with the Broker’s own privacy policy, which will govern loan applications submitted through the Broker.

By using the Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

a. Information You Provide Directly

When you use our Site, submit a contact form, request a rate quote, apply for pre-qualification, or otherwise communicate with us, we may collect:

• Full name, email address, phone number, and mailing address
• Date of birth and Social Security number (only where required for loan pre-qualification or application purposes, collected through secure channels)
• Employment and income information
• Property information (address, purchase price, estimated value)
• Financial account information, credit history, and asset information
• Information contained in supporting documentation you upload or submit (e.g., pay stubs, tax returns, bank statements)
• Any other information you choose to provide in messages, forms, or during consultations

b. Information Collected Automatically

When you visit the Site, we and our service providers may automatically collect:

• IP address, browser type, device type, and operating system
• Pages viewed, time spent on pages, referring/exit URLs, and clickstream data
• Approximate geographic location (derived from IP address)
• Cookies and similar tracking technologies (see Section 6 below)

c. Information From Third Parties

We may receive information about you from:

• Credit reporting agencies (with your authorization, in connection with a loan application)
• Real estate agents, title companies, or other parties involved in a transaction you’re party to
• Marketing and analytics partners
• Publicly available sources

2. How We Use Your Information

We use the information we collect to:

• Evaluate, process, and service mortgage loan inquiries and applications
• Verify your identity and creditworthiness in connection with a loan application
• Communicate with you about your inquiry, application, or loan status
• Comply with applicable federal and state lending laws, licensing requirements, and regulatory obligations
• Operate, maintain, and improve the Site
• Send you marketing communications about mortgage products and services, where permitted, and in accordance with your communication preferences
• Detect, investigate, and prevent fraudulent transactions and other illegal activity
• Fulfill any other purpose disclosed to you at the time the information is collected

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• [Insert Broker’s Legal Name], the licensed mortgage brokerage I operate under as an independent contractor, for purposes of processing, underwriting, and compliance oversight of your loan application
• Lenders, wholesale lenders, and investors to whom your loan application is submitted for underwriting and funding
• Service providers who perform functions on our behalf, such as credit reporting agencies, appraisal companies, title and escrow companies, loan processing and underwriting platforms, and IT/hosting providers
• Regulators and government agencies, including state licensing bodies and the Nationwide Multistate Licensing System (NMLS), as required by law
• Professional advisors, such as attorneys, accountants, and auditors, as needed
• Successors, in the event of a merger, acquisition, or sale of business assets
• Other parties, with your consent, or as required to comply with a legal obligation, court order, or regulatory request

GLBA Disclosure

Because loans originated through this Site are subject to the Gramm-Leach-Bliley Act (GLBA) and Regulation P, the Broker will provide you with a GLBA-compliant privacy notice at the time you apply for a loan, describing the categories of nonpublic personal information collected and shared, and your right to opt out of certain sharing with nonaffiliated third parties. That notice, issued by the Broker as the licensed originating entity, governs the handling of your loan application data.

4. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to satisfy legal, accounting, regulatory recordkeeping requirements applicable to mortgage loan originators (which may require retention of loan file information for several years after origination or denial), and to resolve disputes.

5. Your Choices and Rights

• Marketing communications: You may opt out of marketing emails by using the unsubscribe link in those emails, or by contacting us directly. Note that you may still receive transactional or servicing-related communications related to an active application.
• Do Not Call: You may request to be added to our internal do-not-call list at any time.
• California residents: If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, request deletion (subject to legal exceptions, including recordkeeping obligations for loan files), and opt out of the sale or sharing of personal information. We do not sell personal information. To exercise these rights, contact us using the information in Section 9.
• Other state privacy laws: Residents of certain other states may have similar rights under applicable state privacy laws. Contact us to make a request.

6. Cookies and Tracking Technologies

The Site may use cookies, web beacons, and similar technologies to operate the Site, remember preferences, and analyze traffic (e.g., via tools such as Google Analytics).

You can control cookies through your browser settings; disabling cookies may affect Site functionality.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information, particularly sensitive application data such as Social Security numbers and financial account information, from unauthorized access, use, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Children’s Privacy

The Site is not directed to individuals under 18, and we do not knowingly collect personal information from children.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise any rights described above, please contact us at:

Leonardo Caruso
NMLS Loan Officer License #2052094
Licensed Life Insurance and Annuities Producer #4164532
Independent Contractor Loan Officer with [Insert Broker’s Legal Name]
NMLS# [Insert Broker NMLS ID]
304 South Jones Boulevard
Suite 3859
Las Vegas, NV 89107
(323) 949-6686 — Text or Call
Leonardo@yourmortgageloanofficer.com

10. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last Updated” date at the top of this page indicates when the most recent changes were made. Material changes will be posted on this page.

This policy is a general template and does not constitute legal advice. Given that mortgage lending is subject to state-specific licensing rules, GLBA/Regulation P, and (depending on your customer base) laws like the CCPA, we recommend having this reviewed by an attorney familiar with mortgage compliance before publishing it live.