Privacy Policy

This policy explains what information ATW Enterprise LLC, doing business as Lending by Angela, collects from you, why we collect it, who we share it with, and the choices you have. It applies to lendingbyangela.com, our landing pages and forms, and the calls, texts and emails we exchange with you.

Angela Whittaker is a licensed Mortgage Loan Officer (NMLS #1927081) and a licensed California real estate salesperson (CA DRE #02107666), operating under Direct Realty and Mortgage (NMLS #703421, CA DRE #01704087).

Information we collect

What you give us

When you submit a form, call, text or email us, we collect what you choose to provide. Depending on which form you use, that may include:

• Name, phone number and email address
• Property address and details about the property
• Your timeline, goals and current situation — whether you are buying, selling, refinancing or investing
• Whether you are working with a real estate agent, and whether you are already pre-approved
• Information about your mortgage, such as an estimated balance or how long you have owned the home
• Anything else you tell us in a message or on a call

What we collect if you apply for a loan

If you move forward with a mortgage application, we collect the information a lender requires to evaluate it. This includes income, employment, assets, debts, Social Security number and credit history. This is financial information protected under the Gramm-Leach-Bliley Act, and we handle it accordingly.

What we receive from others

To evaluate a mortgage application we also obtain information about you from sources other than you directly:

• Consumer reporting agencies — your credit report, credit score and related information about your creditworthiness
• Employers, payroll providers and financial institutions — verification of employment, income, deposits and assets
• Appraisers, title companies and escrow — property value, ownership, liens and transaction details
• Public records and property data services — ownership, recorded documents and property characteristics
• Your transactions with us — payment history, account activity and loan file records

What we collect automatically

Our pages use cookies and similar technologies, including advertising pixels from Meta and Google, to understand how people find and use our site and to measure our advertising. These may collect your IP address, browser and device type, the pages you visit, and how you arrived. You can control cookies through your browser settings and adjust ad personalization through each platform's own settings.

How we use your information

• To respond to you and answer what you asked
• To evaluate and process a mortgage application, and to communicate with lenders, underwriters and escrow on your file
• To prepare a home value analysis, cash offer, or other estimate you requested
• To send you information about loan programs, market conditions and services, where you have consented to receive it
• To meet our legal, licensing, recordkeeping and anti-fraud obligations
• To measure and improve our advertising and our website

We do not sell your personal information, and we do not share it with third parties for their own independent marketing.

Calls, texts and emails

When you check a consent box on one of our forms, you agree to receive messages at the number you provided. We use two separate consents:

• Service messages — replies to your inquiry, appointment confirmations, document requests and updates on your file.
• Marketing messages — market updates, program announcements and promotional offers.

Message frequency varies. Message and data rates may apply. Reply STOP to any text to opt out, or HELP for assistance. You can unsubscribe from marketing email using the link in any message, or by emailing us. Opting out of marketing does not stop messages about an active loan file.

We do not share or sell mobile numbers or SMS consent to third parties for marketing.

Who we share information with

We share your information only as needed to do the work you asked for, or where the law requires it:

• Lenders, brokers and investors we submit your application to
• Our supervising brokerage, Direct Realty and Mortgage
• Service providers who operate on our behalf — credit reporting agencies, appraisal management companies, title and escrow, our loan origination system and our customer relationship management software. They may use your information only to perform services for us.
• Regulators, auditors and law enforcement, where required by law, subpoena or licensing obligation

How we protect it

We use administrative, technical and physical safeguards to protect the information we hold, including access controls and encrypted transmission of application data. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

We keep your information for as long as needed to serve you and to satisfy the recordkeeping periods required of licensed mortgage and real estate professionals, then dispose of it securely.

Your California privacy rights

If you are a California resident, the California Consumer Privacy Act as amended by the CPRA gives you the right to:

• Know what personal information we have collected about you, where it came from, and who we shared it with
• Request a copy of that information
• Request that we delete it
• Request that we correct information that is inaccurate
• Limit how we use sensitive personal information
• Not be discriminated against for exercising any of these rights

To make a request, contact us using the details below. We will verify your identity before responding. Some information is subject to retention requirements under financial and real estate law and cannot be deleted on request.

Financial information we collect and handle in connection with a mortgage application is governed primarily by the Gramm-Leach-Bliley Act rather than the CCPA, and is treated under the standards that law sets.

Children

Our services are for adults. We do not knowingly collect information from anyone under 18. If you believe a child has provided us information, contact us and we will delete it.

Other websites

Our pages may link to lender portals, application software, home search tools and social media. Those services have their own privacy policies, and this one does not cover them.

Changes to this policy

We may update this policy as our services or the law change. The date at the top reflects the most recent version. Material changes will be posted here.

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