Privacy Policy

Simple Man 1 LLC d/b/a Renegade Mortgage ("we," "our," or "us") 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 services.

Information We Collect

Non-Public Personal Information

In connection with providing mortgage lending services, we collect non-public personal information ("NPI") about you from the following sources:

• Information you provide on applications and other forms, such as your name, address, Social Security number, income, assets, and debts
• Information about your transactions with us or others, such as your loan balances, payment history, and account activity
• Information we receive from consumer reporting agencies, such as your credit history and creditworthiness
• Information we receive from other third parties, such as employment verification, property valuations, and title reports

Personal Information

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

• Complete a loan application
• Request a pre-approval
• Contact us through our website
• Subscribe to our communications
• Create an account on our platform

This information may include:

• Name, email address, phone number, and mailing address
• Social Security number and date of birth
• Employment and income information
• Financial information including assets, debts, and credit history
• Property information
• Bank statements and financial records

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including your IP address, browser type, operating system, and browsing behavior.

Disclosure of Non-Public Personal Information

We may disclose all of the non-public personal information we collect, as described above, to the following types of third parties:

• Lenders and Investors: Wholesale lenders, correspondent lenders, and investors who fund or purchase mortgage loans
• Underwriters: Third-party underwriters who evaluate and assess loan applications
• Loan Servicers: Companies that may service your loan after closing
• Service Providers: Companies that provide services to us such as title companies, appraisers, credit bureaus, flood certification companies, and verification services
• Government Agencies: FHA, VA, USDA, Fannie Mae, Freddie Mac, and other government-sponsored entities as required for loan programs
• Legal and Regulatory: Government agencies, regulators, and law enforcement as required by law

These disclosures are necessary to process your loan application, fund your loan, and comply with legal and regulatory requirements.

How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Communicate with you about your application or inquiry
• Submit your loan to lenders and investors for approval and funding
• Comply with legal and regulatory requirements
• Prevent fraud and verify your identity
• Improve our website and services
• Send you marketing communications (with your consent)

Opt-Out Rights

Federal law gives you the right to limit some but not all sharing of your NPI. You may opt out of:

• Sharing for marketing purposes by non-affiliated third parties
• Sharing information about your creditworthiness within our family of companies

However, we are permitted by law to share your NPI for our everyday business purposes, such as processing transactions, maintaining your account, and as required by law. We are also required to share your NPI with lenders, underwriters, investors, and servicers as part of the mortgage lending process, and you cannot limit this sharing.

To limit our sharing or for questions about this policy, please contact us at the information below.

Data Security

We implement appropriate technical and organizational 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.

Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications

Cookies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings.

Changes to This 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.

Contact Us

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

Simple Man 1 LLC d/b/a Renegade Mortgage
27 Neill Ave
Helena, MT 59601
Email: info@renegademt.com
Phone: (406) 633-0093