Privacy Policy

1. Introduction

Harvest Mortgage Group LLC ("Harvest Mortgage Group," "we," "us," or "our") is a licensed residential mortgage brokerage (Company NMLS #2840381) operating in North Carolina, South Carolina, and Virginia. We are committed to protecting the privacy and security of the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you engage with our services, visit our website, communicate with us via social media, or apply for a mortgage loan through our brokerage. Please read this policy carefully. By using our services, you consent to the practices described herein.

2. Information We Collect

2.1 Personal and Financial Information

In the course of brokering mortgage loans, we may collect the following categories of information:

• Full legal name, date of birth, and Social Security Number
• Current and previous home addresses
• Phone numbers and email addresses
• Employment history, income, and assets
• Bank account statements, tax returns, and pay stubs
• Credit history and credit score data
• Property information and purchase contract details
• Government-issued identification documents

2.2 Website and Digital Information

When you visit our website or interact with us online, we may automatically collect:

• IP address and browser type
• Pages visited and time spent on our site
• Referring website addresses
• Device identifiers and operating system information
• Cookies and similar tracking technologies

2.3 Social Media Information

If you interact with Harvest Mortgage Group on social media platforms (including Instagram @harvestthekeys), we may collect information you voluntarily share through those platforms, subject to each platform's own privacy policy.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process your mortgage loan application and connect you with lender partners
• To verify your identity and assess your creditworthiness
• To communicate with you about your loan application, status updates, and closings
• To comply with federal and state mortgage lending laws and regulations
• To respond to inquiries and provide customer service
• To market our mortgage services to you, where permitted by law
• To improve our website, services, and business operations
• To prevent fraud and protect the security of your information

4. How We Share Your Information

As a mortgage brokerage, we share your information with third parties as necessary to facilitate your loan. We do not sell your personal information. We may share your information with:

4.1 Lender Partners

We submit your loan application to wholesale lenders and mortgage investors on your behalf. Each lender partner has its own privacy practices and policies.

4.2 Service Providers

We work with third-party vendors who assist in our operations, including title companies, appraisers, credit reporting agencies, loan origination software providers, and document management platforms. These providers are bound by confidentiality obligations.

4.3 Legal and Regulatory Requirements

We may disclose your information when required to do so by law, regulation, court order, or in response to a lawful request from government authorities, including the North Carolina Office of the Commissioner of Banks, the South Carolina Department of Consumer Affairs, and the Virginia Bureau of Financial Institutions.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of business assets, your information may be transferred as part of that transaction. We will notify you of any such change and the applicable privacy choices.

5. Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage broker, Harvest Mortgage Group is subject to the Gramm-Leach-Bliley Act (GLBA). Under the GLBA, we are required to:

• Tell you what nonpublic personal information we collect
• Tell you how we use and share that information
• Allow you to opt out of certain disclosures to nonaffiliated third parties

You have the right to opt out of our sharing of your nonpublic personal information with nonaffiliated third parties for marketing purposes. To opt out, please contact us using the information in Section 11 below.

Note: We cannot limit disclosures required for your loan transaction (e.g., sharing with lenders to process your application) or disclosures required by law.

6. Data Retention

We retain your personal and financial information for as long as necessary to fulfill the purposes outlined in this policy, comply with applicable federal and state laws (including RESPA, HMDA, and NMLS recordkeeping requirements), and resolve any disputes. Mortgage loan records are typically retained for a minimum of three (3) years following the closing or denial of a loan application, or longer if required by law.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure transmission protocols (SSL/TLS encryption) for online data submission
• Access controls limiting information to authorized personnel only
• Use of regulated and compliant loan origination software
• Regular review of our data collection and storage practices

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your state of residence and applicable law, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request deletion of your information, subject to legal retention requirements
• Opt-Out: Opt out of sharing your information with nonaffiliated third parties for marketing purposes
• Complaint: File a complaint with your state regulatory agency if you believe your rights have been violated

North Carolina residents may contact the NC Office of the Commissioner of Banks.

South Carolina residents may contact the SC Department of Consumer Affairs.

Virginia residents may contact the Virginia Bureau of Financial Institutions.

9. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. You may set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. Note that disabling cookies may affect certain features of our website.

10. Third-Party Links

Our website and social media content may contain links to third-party websites, including lender partners and real estate platforms. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or need to report a privacy concern, please contact us:

12. SMS/Text Messaging Policy (TCPA)

By providing your mobile phone number, you explicitly consent to receive SMS/text messages from Harvest Mortgage Group LLC for informational, transactional, and marketing purposes. Message and data rates may apply. Message frequency varies.

Opt-Out: You may opt out of receiving text messages at any time by replying "STOP" to any message you receive from us. After you send the SMS message "STOP", we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

13. Patriot Act / Customer Identification Program (CIP) Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR APPLYING FOR A LOAN: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or applies for a loan. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

14. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the Effective Date at the top of this document and, where appropriate, notify you via email or a prominent notice on our website. Your continued use of our services after any changes indicates your acceptance of the revised policy.

ACKNOWLEDGMENT

By engaging the services of Harvest Mortgage Group LLC, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.