Introduction
Mortgage Genius ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.azwm.com or use our services.
As a licensed mortgage broker (NMLS #2280851), we are subject to strict federal and state regulations regarding the protection of consumer financial information, including the Gramm-Leach-Bliley Act (GLBA) and state privacy laws.
Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us, including:
- Name, email address, phone number
- Mailing address and state of residence
- Social Security Number (for loan applications)
- Employment and income information
- Credit history and financial information
- Property information and loan preferences
- Any other information you choose to provide
Automatically Collected Information
When you visit our website, we automatically collect certain information:
- IP address and browser type
- Operating system and device information
- Pages viewed and time spent on pages
- Referring website and search terms
- Cookies and similar tracking technologies
How We Use Your Information
We use the information we collect for the following purposes:
- Processing and underwriting mortgage loan applications
- Providing customer service and responding to inquiries
- Communicating about your loan status and updates
- Sending marketing communications (with your consent)
- Improving our website and services
- Complying with legal and regulatory requirements
- Preventing fraud and protecting security
- Analyzing website usage and trends
Information Sharing and Disclosure
We may share your information with:
- Lenders and Investors: To process your loan application
- Credit Bureaus: To obtain credit reports and verify information
- Service Providers: Third parties who perform services on our behalf (e.g., title companies, appraisers, attorneys)
- Government Agencies: As required by law or regulatory requirements
- Business Partners: With your consent for specific purposes
- Legal Requirements: To comply with legal obligations, court orders, or government requests
We do not sell your personal information to third parties.
Data Security
We implement industry-standard security measures to protect your information, including:
- Encryption of sensitive data in transit and at rest
- Secure server infrastructure and firewalls
- Regular security audits and vulnerability assessments
- Employee training on data protection practices
- Access controls and authentication measures
However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Provide personalized content and advertising
- Improve website functionality and user experience
You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.
We use Google Analytics to track website usage. For more information about Google's privacy practices, visit Google Privacy Policy.
Your Privacy Rights
Depending on your location, you may have the following rights:
- Access: Request access to your personal information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your information (subject to legal requirements)
- Opt-Out: Opt out of marketing communications
- California Residents: Additional rights under CCPA (see below)
To exercise these rights, contact us at privacy@azwm.com or call (602) 753-9600.
California Privacy Rights (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected
- Right to know if personal information is sold or disclosed
- Right to opt-out of the sale of personal information
- Right to request deletion of personal information
- Right to non-discrimination for exercising privacy rights
We do not sell personal information. To submit a request, call (602) 753-9600 or email privacy@azwm.com.
Gramm-Leach-Bliley Act (GLBA) Notice
As a financial institution, we are required to provide you with this notice about our privacy practices. We collect nonpublic personal information about you from:
- Information we receive from you on applications or other forms
- Information about your transactions with us or others
- Information we receive from consumer reporting agencies
We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.
Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete it promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us: