PRIVACY POLICY

ALLEGIANCE HOME LENDING ONLINE PRIVACY POLICY
Safeguarding your privacy is important to us. This Online Privacy Policy explains how we collect, use, share, and protect nonpublic personal information (“NPI”) obtained through our website in connection with providing mortgage-related services. We maintain administrative, technical, and physical safeguards designed to protect the confidentiality of your information and to comply with applicable federal and state privacy requirements.

Information We Collect
1. Information You Provide Directly Includes information submitted through online forms, applications, email inquiries, or conversations. Examples: name, address, phone, email, Social Security Number, employment details, income, and other financial information.
2. Information About Your Transactions With Us Includes loan inquiry details, application information, account history, and communication records.
3. Information From Third Parties Includes information from credit reporting agencies, employers, financial institutions, and service providers for verification and eligibility assessment.
4. Website & Technical Information Includes IP address, device type, browser details, pages viewed, and interactions with forms. Used to secure and improve the website.

Cookies and Tracking Technologies

Our website uses cookies, tags, pixels, and similar tracking technologies to operate the site, enhance functionality, and analyze usage. Browser settings may be used to control cookies, though disabling them may impact site function.

How We Use Your Information

We use information to:
• Respond to inquiries and provide mortgage services
• Verify identity and submitted data
• Process applications and evaluate eligibility
• Maintain internal business and regulatory records
• Comply with legal, reporting, and audit requirements
• Improve website security and performance

Information We Share
We do not sell or share information with non-affiliated third parties for marketing purposes.

We may disclose information to:
• Service providers assisting in mortgage processing
• Credit reporting agencies
• Investors, lenders, or other third parties as permitted by law
• Government agencies and regulators, when required
• Technology/security vendors supporting our website

Data Retention

We retain personal information only as long as necessary to meet the purpose for which it was collected or to satisfy legal, regulatory, and record‑keeping obligations.

Third-Party Links

Our website may link to third‑party websites. We do not control and are not responsible for their content, security, or privacy practices. Review the privacy policy of any site you visit.

Your Privacy Rights and Contact Information

If you have questions about our privacy practices or wish to request information or corrections, contact:

Allegiance Home Lending-a dba of J & D Home Loans, Inc. In California, we have a forced name:  J&D Home Loans Inc., WHICH WILL DO BUSINESS IN CA AS ALLEGIANCE HOME LENDING.

Attn: Compliance Officer David Sonson
Phone: 866.722.2171
Email: dsonson@allegiancelending.com

Requests should include sufficient information for us to reasonably verify your identity.

Residents of certain states, including California, may have additional rights regarding their personal information, including the right to request access to, deletion of, or correction of personal information, and the right to limit certain uses of personal information. Requests may be submitted using the contact information above.

Changes to This Policy
This policy may be updated periodically. Changes will be posted on this page with a revised effective date.

Effective Date: October 18, 2026