Privacy Policy

Introduction

Partners Elite Financial Inc. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your personal information when you visit our website (partnersef.com), use our services, submit inquiries, or interact with us in any way.

By using our Site or providing us with your information, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Site or services.

We Do Not Sell Your Personal Information

We only share your information as described in this Privacy Policy, such as with wholesale mortgage lenders to process your loan application, or as required by law. We will never sell your data to data brokers, advertisers, or other third parties for their own commercial purposes.

SMS / Mobile Messaging & Opt-In Data

When you opt in to receive SMS/MMS messages from Partners Elite Financial Inc., we use your phone number and consent record only to send you informational and transactional messages related to your inquiry, consultation, or mortgage file. Message and data rates may apply, and message frequency varies. You may opt out at any time by replying STOP to any message, or reply HELP for assistance. Opting out will not affect any other services you receive from us.

Information We Collect

We may collect the following types of information:

How We Use Your Information

We use the information we collect for the following purposes:

• To provide mortgage services: To evaluate your loan eligibility, process applications, and connect you with appropriate wholesale lenders and loan programs.
• To respond to your inquiries: To answer your questions, provide rate quotes, schedule consultations, and follow up on requests.
• To improve our Site: To analyze usage trends, troubleshoot issues, and enhance the user experience.
• To comply with legal obligations: To meet regulatory requirements, respond to legal requests, and protect our rights and the rights of others.
• To send communications: To send you updates about your application, market information, or other service-related notices (you may opt out of marketing communications at any time).
• To prevent fraud: To verify identity, detect unauthorized activity, and maintain the security of our systems.

How We Share Your Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

• Wholesale lenders and partners: To process your mortgage application, we may share your information with wholesale mortgage lenders, underwriting services, appraisers, title companies, and other necessary service providers involved in your transaction. These parties are bound by confidentiality and data protection obligations.
• Service providers: We may use trusted third-party vendors for website hosting, analytics, email delivery, customer relationship management (CRM), and data storage. These providers have access only to the information necessary to perform their functions and are contractually prohibited from using it for other purposes.
• Legal compliance: We may disclose information if required to do so by law, court order, or governmental regulation, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to the same privacy protections.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption in transit (SSL/TLS), secure data storage, access controls, and regular security reviews.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. You share information with us at your own risk.

Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience, analyze traffic, and understand how visitors interact with our content. We use Google Analytics to collect anonymized usage data. You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our Site.

We may also use third-party widgets or scripts (such as chat widgets or loan application tools) that may set their own cookies. These third-party services are governed by their own privacy policies.

Your Rights and Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access and correction: You may request access to the personal information we hold about you and request corrections of inaccurate information.
• Deletion: You may request that we delete your personal information, subject to legal and regulatory retention requirements.
• Opt-out of marketing: You may opt out of receiving marketing emails or SMS messages by following the unsubscribe instructions in any message or by contacting us directly.
• Non-discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please contact us using the information provided below. We will respond to verified requests within the timeframes required by applicable law.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory obligations (including mortgage lending record-keeping requirements), to resolve disputes, and to enforce our agreements. Mortgage lending regulations may require us to retain certain records for several years after a loan transaction is completed.

Children's Privacy

Our Site and services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately and we will take steps to delete such information.

Third-Party Websites

Our Site may contain links to third-party websites, including NMLS Consumer Access, lender portals, and other resources. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. We will post the revised policy on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Regulatory Disclosure

Partners Elite Financial Inc. is a licensed mortgage broker. Company NMLS #1830849 · Michael Callaham Jr., NMLS #379732. Licensed in Florida, Oregon, Washington. You may verify our licensing status through NMLS Consumer Access.