Privacy Policy
Privacy Compliance Package
Valorem Lending LLC
Website Privacy Policy, U.S. Consumer Financial Privacy Notice, California Notice at Collection, and SMS Terms and Consent Notice
Prepared for website publication and customer-facing disclosure use. This package is designed to be short, professional, flexible for future operations, and aligned with core federal and state mortgage privacy requirements.
- Legal Entity: Valorem Lending LLC
- NMLS: 2113868
- Operating States: AZ, CA, CO, FL, GA, ID, LA, MD, NC, OR, PA, SC, TN, TX, WA, VA
- Current Channels Covered: Website leads, mortgage applications, phone calls, SMS, loan servicing and investor-related disclosures
- Insert Before Publication: Effective date, mailing address, privacy email, phone number, website URL
Important implementation note: if you introduce website analytics, cookie banners, targeted advertising, or marketing text campaigns later, update your website footer, webform disclosures, and internal operating procedures at the same time.
1. Website Privacy Policy
Effective Date: March 30, 2026
Valorem Lending LLC ("Valorem," "we," "our," or "us") respects your privacy and is committed to protecting personal information. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, contact us, apply for a mortgage, use our services, or otherwise interact with us. This Policy is supplemented by our U.S. Consumer Financial Privacy Notice, California Notice at Collection, and SMS Terms and Consent Notice.
Information We Collect
- We may collect personal information such as your name, contact information, date of birth, Social Security number, driver's license or other government-issued identification, mortgage application data, credit information, income and employment information, asset and bank information, property and transaction information, document and e-signature records, communications, call recordings, and information about your device, browser, IP address, and use of our website.
- We may collect information directly from you and from credit bureaus, verification providers, employers, financial institutions, public records, settlement service providers, service providers, investors, counterparties, and other lawful sources.
How We Use Information
- Respond to your inquiry and communicate with you about products, services, applications, loans, accounts, and customer support.
- Take, process, underwrite, fund, close, sell, assign, transfer, participate, securitize, service, subservice, or otherwise administer mortgage loans and related rights.
- Verify identity, creditworthiness, income, assets, employment, occupancy, property, and other eligibility information.
- Operate, secure, monitor, personalize, troubleshoot, and improve our website, systems, and services.
- Send transactional communications and, where permitted by law, marketing communications.
- Comply with legal, investor, audit, regulatory, reporting, recordkeeping, fraud-prevention, and security obligations.
How We Disclose Information
- To service providers and vendors that support our lending, servicing, compliance, technology, communications, document, verification, and customer relationship functions.
- To credit bureaus, consumer reporting agencies, verification providers, settlement service providers, warehouse lenders, investors, purchasers, assignees, participants, servicers, subservicers, and other mortgage counterparties in connection with underwriting, funding, sale, transfer, participation, securitization, servicing, or collection of loans.
- To auditors, insurers, attorneys, accountants, regulators, law enforcement, courts, and other parties as required or permitted by law.
- To parties involved in an actual or proposed merger, acquisition, financing, sale of assets, or similar corporate transaction.
We do not sell personal information to third parties for their own independent marketing. We do not share mobile opt-in data, SMS consent records, or similar mobile messaging information with third parties or affiliates for their own marketing or promotional purposes. We may share that information with vendors and providers that help us deliver messaging, customer support, security, compliance, or account and loan communications.
Cookies, Calls, Texts, Security, and Rights
- We may use cookies, pixels, session tools, analytics tools, chat tools, and similar technologies to operate, secure, measure, personalize, and improve our website and communications and, where permitted by law, for our own marketing and remarketing.
- We may contact you by phone, email, or text using the contact information you provide or that we lawfully obtain. Marketing calls or texts that require consent will be sent only if the required consent has been obtained. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts and HELP for help. Consent to receive marketing calls or texts is not a condition of applying for or obtaining credit.
- We and our service providers may monitor and record calls for quality assurance, training, servicing, security, and compliance purposes.
- We maintain administrative, technical, and physical safeguards designed to protect personal information and retain information for as long as reasonably necessary for lending, servicing, secondary-market, compliance, audit, legal, dispute-resolution, security, and business purposes.
- Depending on applicable law and your relationship with us, you may have rights to request access to, correction of, or deletion of certain personal information, and to opt out of certain sales, sharing, or targeted advertising. Some rights may not apply to information subject to federal financial privacy laws or other legal exemptions.
Our website and services are not directed to children under 13, and we do not knowingly collect personal information from them. We may update this Privacy Policy from time to time by posting an updated version with a revised effective date.
Contact Us: Valorem Lending LLC, NMLS #2113868 | [INSERT MAILING ADDRESS] | info@valoremlending.com | 855-825-6736 | [INSERT WEBSITE]
2. U.S. Consumer Financial Privacy Notice
Model-style GLBA notice for consumer financial privacy disclosures
FACTS: What does Valorem Lending LLC do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include Social Security number, income, bank account and asset information, employment information, credit history and credit scores, and mortgage application and transaction information. When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. The table below shows the reasons financial companies can share, the reasons Valorem chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does Valorem share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes, to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We do not share |
| For our affiliates' everyday business purposes, information about your transactions and experiences | No | We do not share |
| For our affiliates' everyday business purposes, information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
- Questions? Call 855-825-6736 or email info@valoremlending.com.
- Who is providing this notice? Valorem Lending LLC, NMLS #2113868.
- How does Valorem protect my personal information? We use security measures that comply with federal law, including computer safeguards, secure systems, and secured files and facilities.
- How does Valorem collect my personal information? We collect it, for example, when you apply for a loan, provide income, asset, employment, property, or contact information, or otherwise communicate with us about a financial product or service. We also collect it from credit bureaus, verification providers, service providers, and other companies.
- Why can't I limit all sharing? Federal law gives you the right to limit only certain affiliate and nonaffiliate marketing-related sharing. State laws and individual companies may give you additional rights.
- Affiliates: companies related by common ownership or control. Valorem Lending LLC has no affiliates.
- Nonaffiliates: companies not related by common ownership or control. Valorem does not share with nonaffiliates so they can market to you.
- Joint marketing: a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Valorem does not jointly market.
3. California Notice at Collection
Effective Date: March 30, 2026
This Notice at Collection applies to California residents and supplements the Valorem Lending LLC Privacy Policy and U.S. Consumer Financial Privacy Notice.
We may collect identifiers and contact information; government identifiers; financial, commercial, application, credit, income, employment, asset, bank, property, and transaction information; internet or other electronic network activity information; audio, call recording, and communication information; document and e-signature information; inferences drawn from personal information; and sensitive personal information, including Social Security number, driver's license or other government ID, and financial account information.
We collect and use personal information to respond to inquiries and provide customer service; take, process, underwrite, fund, close, sell, transfer, participate, securitize, service, or collect mortgage loans and related rights; verify identity, eligibility, income, assets, employment, property, occupancy, and credit information; communicate with you about your inquiry, application, loan, account, or relationship with us; prevent fraud, protect security, and troubleshoot systems; comply with legal, audit, investor, and regulatory requirements; and market our own products and services where permitted by law.
We retain personal information for as long as reasonably necessary for the purposes described above and for legal, regulatory, audit, investor, recordkeeping, dispute-resolution, enforcement, and security purposes. Retention periods vary by category and applicable obligations.
We do not sell personal information, and we do not share personal information for cross-context behavioral advertising. We do not use or disclose sensitive personal information except as reasonably necessary to provide services, process transactions, ensure security, comply with law, or as otherwise permitted by applicable law.
- Subject to applicable exemptions, California residents may have rights to request access to, correction of, or deletion of certain personal information, to know about collection and disclosure practices, and to limit certain uses of sensitive personal information.
- To submit a request, contact info@valoremlending.com, 855-825-6736, or https://valoremlending.com/index.php/contact.
- We may need to verify your identity before acting on a request.
- We will not unlawfully discriminate against you for exercising rights available under California law.
4. SMS Terms and Consent Notice
Effective Date: March 30, 2026
This SMS Terms and Consent Notice applies to text messages sent by or on behalf of Valorem Lending LLC.
Valorem may send you text messages relating to your inquiry, application, loan, account, servicing, customer support, fraud prevention, or other relationship-based communications. If Valorem offers marketing texts in the future, those messages will be sent only where permitted by law and after any consent required by law has been obtained.
By opting in to a Valorem text messaging program, you agree to receive text messages from Valorem at the mobile number you provided. Your consent applies only to the specific message program or category for which you opted in. Consent to receive marketing text messages is not a condition of applying for or obtaining credit.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help. You may also contact us at 855-825-6736 or info@valoremlending.com.
We do not sell or share your mobile number, SMS opt-in data, or related consent information with third parties or affiliates for their own marketing or promotional purposes. We may share your mobile number and SMS consent information with vendors and providers that help us deliver messaging, customer support, security, compliance, or account and loan communications.
Recommended Webform Language
Relationship / transactional texts: By providing my mobile number, I agree that Valorem Lending LLC may call or text me at the number provided regarding my inquiry, application, loan, account, or related services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Consent is not a condition of applying for or obtaining credit. See Privacy Policy and SMS Terms.
