Privacy Policy.

Introduction

This Privacy Policy describes how Cohen Mortgage, LLC ("we," "us," or "our") collects, uses, and discloses personal information when you visit cohenmortgage.com (the "Site"), submit a loan inquiry, complete a mortgage application, or otherwise interact with us. By using the Site, you agree to the practices described in this policy.

Information We Collect

We collect personal information you provide directly to us, including:

• Contact information: name, email address, phone number, mailing address.
• Financial information: income, employment history, assets, debts, credit history, Social Security number, and other information necessary to evaluate your mortgage application.
• Property information: details about real estate you own, are purchasing, or are refinancing.
• Communication records: emails, text messages, voicemails, and call notes from your interactions with our team.

We also collect information automatically when you visit the Site:

• Device and browser information: IP address, browser type, operating system, referring URL, pages visited, and time spent.
• Cookies and similar technologies: we and our service providers (including Google Analytics and HubSpot) use cookies, web beacons, and similar tools to understand site usage and improve your experience.

How We Use Your Information

We use your information to:

• Evaluate and process mortgage loan applications and pre-qualifications.
• Communicate with you about your inquiry, application, or loan.
• Verify your identity and prevent fraud.
• Comply with applicable laws, regulations, and industry standards governing mortgage lending.
• Improve our services, the Site, and our communications.
• Send you marketing communications about our services (you may opt out at any time).

How We Share Your Information

We may share your information with:

• Wholesale lenders and lending partners with whom we submit your application as part of the loan shopping and underwriting process.
• Service providers who help us operate our business (technology providers, credit reporting agencies, appraisers, title companies, document preparation services, and similar).
• Government agencies and regulators as required by federal and state mortgage lending laws.
• Other parties with your consent or as required by law (subpoena, court order, lawful regulatory request).

We do not sell your personal information.

Information Sharing Under the Gramm-Leach-Bliley Act

As a financial institution under the Gramm-Leach-Bliley Act, we are required to provide a separate privacy notice to consumers regarding the sharing of non-public personal financial information. That notice is provided when you apply for a mortgage with us. The terms of the GLBA notice govern our information practices for loan applicants and customers.

Your Rights and Choices

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

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to applicable legal retention requirements.
• Opt out of marketing communications.
• Withdraw consent for certain processing activities.

To exercise any of these rights, contact us at eddie@cohenmortgage.com. We may need to verify your identity before fulfilling your request.

Cookies and Tracking Technologies

We use cookies and similar technologies to recognize you on return visits, remember your preferences, and analyze how the Site is used. You can control cookies through your browser settings. Disabling cookies may affect Site functionality.

We use Google Analytics to understand site usage. Google Analytics may collect information about your device and browsing patterns. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including legal, regulatory, accounting, and reporting requirements. Mortgage loan files are typically retained for a minimum of three years after loan closing or denial, in accordance with federal law.

Children

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected in the "Effective" date at the top of this page. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or our information practices, contact us at:

Cohen Mortgage, LLC
4030 Smith Rd., Suite 200
Cincinnati, OH 45209
(513) 801-0201
eddie@cohenmortgage.com