Privacy Policy for Express Mortgage & Capital, LLC

Effective Date: March 3, 2025

Introduction

At Express Mortgage & Capital, LLC (“Company,” “we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our services, including our website, mobile applications, and other platforms that link to this policy (collectively, the “Service”).

By using our Service, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

Information We Collect

We collect various types of personal information to provide and improve our services, including:

• Contact Information: Your name, email address, mailing address, and phone number.
• Profile Information: Username, password, photograph, interests, mortgage investment experience, and preferences.
• Financial Information: Stated income, cash liquidity positions, credit score range, economic standing, bankruptcy and foreclosure history, financial account numbers, or payment card information.
• Usage Information: Data about how you interact with our services, including content uploads and user activity.
• Geolocation Information: Location data when authorized through our application.
• Marketing Information: Preferences for receiving promotional communications and interactions with our messages.

How We Use Your Information

We use the personal information collected for the following purposes:

• Service Provision: To operate, maintain, and improve our services, including processing mortgage applications and providing customer support.
• Communication: To send updates, security alerts, support messages, and information about our services.
• Personalization: To understand your preferences and enhance your experience.
• Marketing: To send promotional messages about our offerings (with opt-out options available).
• Research & Development: To analyze and improve our services and develop new features.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes.

How We Share Your Information

We do not share your personal information without your consent, except in the following situations:

• Affiliates: Our corporate parent, subsidiaries, and affiliates may receive information for purposes consistent with this Privacy Policy.
• Service Providers & Professional Advisors: Third-party vendors providing services such as customer support, hosting, analytics, and marketing.
• Partners: We may share your information with business partners when necessary for service fulfillment.
• Legal Compliance: To comply with legal obligations, protect rights, or prevent fraud or abuse.

Your Choices & Rights

You have options regarding your personal information:

• Access & Updates: You can review and update your personal details by contacting us.
• Opt-Out of Marketing: You may opt out of promotional emails using the unsubscribe link.
• Cookies & Tracking Technologies: Adjust browser settings to remove or reject cookies, though this may impact service functionality.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission or storage is entirely secure.

International Data Transfers

Your personal information may be transferred to and processed in other countries with different data protection laws. We take appropriate measures to ensure your data remains protected.

Children’s Privacy

Our services are not directed at individuals under 18 years old, and we do not knowingly collect personal information from minors. If we discover such collection, we will promptly delete the data.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be reflected by an updated “Effective Date” at the top of this page. We encourage you to review this Privacy Policy regularly.

Contact Information

If you have any questions about this Privacy Policy, please contact us at:

Express Mortgage & Capital, LLC
15565 Northland Dr #408
Southfield, MI 48075
Phone: 843-298-3107
Email: support@expressmortgagecapital.com