Privacy Policy
Privacy Policy
Last Updated: 11/27/2024
At Charles Munoz, your privacy and trust are important to us. We are committed to protecting your personal information and using it responsibly in accordance with federal and state regulations. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you engage with our mortgage services.
Information We Collect
We may collect personal information from you when you visit our website, complete a loan application, communicate with us via phone or email, or use our services. This may include:
Name, address, phone number, and email
Social Security number and date of birth
Employment and income information
Credit and financial history
Property and loan-related details
We collect this information to provide accurate loan recommendations, complete your application, and comply with legal and regulatory obligations.
How We Use Your Information
Your personal information is used solely for the purpose of delivering the mortgage services you request. This includes:
Evaluating your eligibility for loan programs
Processing loan applications and supporting documents
Communicating updates, disclosures, and loan decisions
Responding to inquiries and customer support requests
Meeting legal and compliance requirements
We do not sell your personal information to third parties. We may share your data with trusted service providers such as credit bureaus, lenders, or title companies—only as necessary to fulfill our services and regulatory obligations.
How We Protect Your Information
We take security seriously. We implement physical, electronic, and procedural safeguards to protect your personal data from unauthorized access, disclosure, or misuse. These measures include encrypted data storage, secure file transmission, access controls, and regular audits to ensure compliance with privacy best practices.
Your Choices and Rights
You have the right to review, update, or request the deletion of your personal information by contacting us directly. You may also opt out of receiving marketing communications at any time by following the unsubscribe instructions in our emails or by notifying us.
Cookies and Website Tracking
Our website may use cookies and similar tracking technologies to improve your browsing experience, understand how users interact with our site, and personalize content. These technologies do not collect sensitive personal data. You can adjust your browser settings to limit or disable cookies at any time.
Third-Party Links
Our website may contain links to external websites. Please be aware that we are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any external websites you visit.
Policy Updates
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we do, the revised policy will be posted on this page with the updated effective date.
Contact Us
If you have any questions about our Privacy Policy or how your personal information is handled, please contact:
