Who we are
This policy applies to Keystone Capital Mortgage and to this website. You can reach us at lending@keystonecapitalmortgage.com, by phone at (215) 555-0145, or by mail at 1701 Market Street, Suite 1450, Philadelphia, PA 19103.
Information we collect
We only collect what we need to respond to you and provide our services.
- Contact details you give us, such as your name, email address, phone number and address.
- Details about the service you are requesting, entered in quote, booking or contact forms.
- Technical data such as browser type, device and pages visited, collected through cookies you allow.
- Records of our communications with you, including calls, emails and messages.
How we use your information
We use personal information to:
- Respond to enquiries and prepare quotes or appointments.
- Deliver, schedule and follow up on the services you request.
- Send service reminders and, where you have agreed, occasional offers.
- Improve our website and meet our legal and regulatory obligations.
Sharing
We do not sell your personal information. We share it only with trusted providers who help us run our business, such as scheduling, payment and email platforms, and only under agreements that require them to protect it. We may disclose information where the law requires it.
Retention and security
We keep information only as long as we need it for the purposes above or as required by law. We use administrative, technical and physical safeguards appropriate to the sensitivity of the data.
Your choices and rights
Depending on where you live, you may have the right to access, correct, delete or restrict the use of your personal information, and to opt out of marketing at any time. Contact us using the details above and we will respond within 30 days.
Mortgage applications and credit information
When you apply for pre-qualification or pre-approval we collect the information required to evaluate a mortgage application, including income, employment, assets, liabilities and credit history. Pre-qualification uses a soft credit inquiry that does not affect your score. A full pre-approval uses a hard inquiry, and we tell you before that happens.
We share application information with the parties required to complete a mortgage transaction: credit reporting agencies, appraisers, title and settlement agents, mortgage insurers, investors and, where applicable, the relevant government agency. We do not sell your information and we do not pass it to lead networks.
- Credit reports and scores from the three national consumer reporting agencies
- Income and asset documentation you provide or authorize us to retrieve
- Property information including appraisal, title and insurance detail
- Records required by the Home Mortgage Disclosure Act and applicable state law
Your rights under federal law
Under the Fair Credit Reporting Act you may request a free copy of any credit report used in a decision about your application, and you may dispute inaccurate information with the reporting agency. Under the Equal Credit Opportunity Act you are entitled to a written statement of the specific reasons for an adverse action within 30 days of a completed application.
Changes to this policy
We may update this policy from time to time. The date at the top of this page shows when it last changed.
Demonstration site. This document is sample content written for a demonstration website and is not legal advice or a binding agreement with any institution.