Privacy Policy
Last updated: March 1, 2025
Introduction
Cedar Home Loans ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
We collect information that you provide directly to us, including:
- Personal information (name, address, email, phone number)
- Financial information (income, assets, debts)
- Employment information
- Property information
How We Use Your Information
We use the information we collect to:
- Process your mortgage application
- Verify your identity and information
- Communicate with you about your application
- Comply with legal and regulatory requirements
Information Sharing
We may share your information with:
- Mortgage service providers
- Credit reporting agencies
- Government regulators
- Other financial institutions
All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with, or sold to, any third parties for any purpose.
Text Messaging (SMS/MMS)
If you provide your phone number and consent to receive text messages from Cedar Home Loans:
- Message types: You may receive account notifications, application status updates, appointment reminders, and customer care messages via SMS/MMS.
- Message frequency: Message frequency varies.
- Costs: Message and data rates may apply. Check with your mobile carrier for details.
- Opt-out: You can opt out at any time by replying STOP to any message. You will receive a one-time confirmation, after which no further messages will be sent.
- Help: Reply HELP to any message, or contact us at privacy@cedarhomeloan.com.
- No third-party sharing: Text messaging originator opt-in data and consent will not be shared with or sold to any third parties or affiliates for any purpose. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
- Consent: Consent to receive text messages is not a condition of obtaining any goods or services.
Security
We implement appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, so we cannot guarantee absolute security.
Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your information
- Opt-out of certain data sharing
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track activity on our website and collect certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
Contact Us
For questions about this Privacy Policy, please contact us at privacy@cedarhomeloan.com.