Overview of Online Privacy Policy for Watermark Capital, Inc. dba Watermark Home Loans

You take online privacy seriously and so does Watermark Capital, Inc., doing business as (dba) Watermark Home Loans (collectively, “we,” “us,” or “our”). We are a company committed to protecting the personal information of visitors to our websites and web pages. This policy is one way of sustaining your trust in our company, our products, and our services.

This Online Privacy Policy applies only to the Watermark Capital, Inc., websites and web pages from which you were directly linked to this policy. This Policy applies only to the collection and use of information you provide online.

Our Online Privacy Policy describes the information we collect from and about you during your visit to our websites and web pages. Our privacy policy also describes how we use information about you, whom we share it with, and how we protect it.

Our websites and web pages may contain links to third-party sites not controlled by Watermark Capital, Inc., or covered by this Online Privacy Policy. We recommend that you check the privacy statement of other sites you visit before providing any personal information.

What Personal Information does Watermark Capital, Inc., Collect Online?

We collect personal information about you from the information you provide to us when you visit our websites and web pages.

The information will depend on the Watermark Capital, Inc., website or web page you visit. This information may include:

• Name
• Address
• Social security number in whole or in part
• Telephone number
• Email address
• Email referral information
• Date of birth
• Current residential information, including mortgage or rent payments
• Income information

Mobile phone numbers and SMS opt-in consent data will not be shared with or sold to unaffiliated third parties or affiliates for their own marketing or promotional purposes under any circumstances. We only share this data with our trusted direct service providers (such as secure communication and call-tracking platforms) strictly to facilitate our own internal communications and marketing attribution on our behalf.

How Do You Use the Personal Information You Collect About Me Online?

We use the personal information we collect online to process your request for services, products, or information. For example, we may use the information you provide when you complete an online Watermark Capital, Inc., Express Credit Application to process and evaluate your application. If you request product information, we may use the information you provide to mail you the information you request.

We may also use the information we collect for analytic purposes, market research, or marketing purposes, as allowed by law.

Do You Share the Personal Information You Collect About Me Online?

We do not sell your personal information to third parties. However, to operate our business and provide you with the best possible experience, we do share your information with trusted partners for standard business, marketing, and loan processing purposes. This sharing includes:

• Service Providers & Vendors: We share data with third-party service providers who assist us with website operations, customer relationship management, loan application processing, and secure communications.
• Marketing & Analytics Partners: We utilize standard third-party marketing and analytics platforms to analyze website traffic, measure the effectiveness of our campaigns, and deliver relevant advertising. These partners may use cookies and similar technologies to collect data about your interactions with our site. You can manage your tracking preferences at any time via our Opt-Out Preferences page.
• Financial Partners: To fulfill your request for financial products, we may share necessary information with trusted third-party investors and financial partners strictly to facilitate, fund, or manage your home loan.

We only share the information necessary for these third parties to perform their specific functions, and they are obligated to maintain the confidentiality and security of your data.

Do You Use Cookies or Other Online Technologies to Collect Information About Me?

When you browse or visit one of our websites, we may store certain information on your computer. This information may be in the form of a small text file called a “cookie” and can help us to tailor our sites to your individual preferences and save you time if you visit the site again. For example, cookies may include the country webpage you prefer or your language preference. Where specific programs associated with our website require a user ID and password, you have the option of requesting that we save your user ID and password so that you will not have to re-enter that information the next time you access the website. This is accomplished by the placement of a cookie on your computer.

We may also use cookie technology or other online tracking technologies, like web beacons, to gather anonymous, aggregate information about your visit to our websites. This information allows us to measure site activity and to create ideas for improving our sites and may include the time and length of your visit, the web pages you look at on our sites, the website you visited before coming to ours, and your internet service provider. If we provide you a link from a Watermark Capital, Inc., site to another site, we may track the fact that you navigated to that other site from ours, and we may track your activity while on that site. This will help us understand which links are helpful to you when you visit our site and will help us provide you with links that may be of interest to you when you visit our site again.

Children’s Privacy

Our website and services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete such information from our records immediately.

What Steps Do You Take to Protect Personal Information About Me?

We restrict access to the information obtained from our websites and web pages to our employees, agents, and contractors. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. Please note that while Watermark Capital will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.

U.S. State Privacy Rights

Because we operate in multiple states, you may have specific rights regarding your personal information depending on your state of residence (including, but not limited to, laws in California, Colorado, Texas, and Virginia). These rights may include the right to request access to, correction of, or deletion of your personal data, as well as the right to opt out of the sale or sharing of your personal information for cross-context behavioral advertising. We do not sell your personal information. To exercise your rights, or to direct us to limit the use and disclosure of your information, please visit our Opt-Out Preferences page or contact us using the information provided below. We will not discriminate against you for exercising your privacy rights.

How Can I Change or Update the Personal Information You Collected About Me Online?

If you have questions about the information you provided, or wish to update or delete your information, please contact us so that we may assist you:

Email: info@watermarkhomeloans.com
Toll-Free Phone: 1.800.896.9374

Your Consent

By using this website, you consent to the terms of our Online Privacy Policy and to Watermark Capital’s processing of personally identifiable information for the purposes given above. We reserve the right to alter the privacy policy at our discretion. Any changes to this policy will be posted on our websites in a timely manner.