Privacy Policy

Privacy Policy

Shannon McAlister NMLS 885982 / Home-owners-pdx.com / Luminate Home Loans NMLS #150953 (“we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.homeownerspdx.com or engage with our services. By accessing or using our website and services, you agree to this Privacy Policy. If you do not agree with the terms of this policy, please do not access the website or use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

  • Apply for a mortgage loan or other financial products
  • Fill out forms on our website
  • Subscribe to newsletters or other communications
  • Contact support

The personal information we collect may include:

  • Name
  • Address
  • Email address
  • Phone number
  • Social Security Number
  • Financial information (income, credit history, assets)
  • Employment information

Non-Personal Information

We may also collect non-personal information automatically when you visit our website, such as:

  • IP address
  • Browser type and version
  • Pages visited and time spent on the website
  • Device information
  • Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for various purposes, including:

  • Processing your mortgage applications and transactions
  • Verifying your identity and preventing fraud
  • Communicating with you about your account or transactions
  • Providing customer support
  • Sending promotional materials or newsletters (with your consent)
  • Improving our website and services
  • Complying with legal obligations

3. How We Share Your Information

We may share your personal information with:

Affiliates and Subsidiaries

  • For purposes consistent with this Privacy Policy.

Service Providers

  • Third-party vendors who assist us in providing services, such as credit bureaus, appraisal companies, and IT service providers.

Legal Requirements

  • To comply with legal obligations, court orders, or governmental requests.

Business Transfers

  • In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business.

With Your Consent

  • We may disclose your personal information for other purposes only with your explicit consent.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

  • Enhance user experience
  • Analyze website usage
  • Deliver personalized content and advertising

You can manage your cookie preferences through your browser settings. However, disabling cookies may affect the functionality of our website.

5. Your Rights and Choices

Marketing Communications

  • You can opt out of receiving promotional emails by following the unsubscribe instructions in the email or by contacting us directly.

Access and Correction

  • You may request access to or correction of your personal information by contacting us.

6. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

Right to Know

  • You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.

Right to Delete

  • You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.

Right to Opt-Out

  • You have the right to opt out of the sale or sharing of your personal information.

Right to Correct

  • You have the right to request the correction of inaccurate personal information that we maintain about you.

Right to Limit Use of Sensitive Personal Information

  • You can direct us to limit the use of your sensitive personal information to that which is necessary to perform the services or provide the goods.

Right to Non-Discrimination

  • We will not discriminate against you for exercising any of your CCPA/CPRA rights.

Exercising Your Rights

To exercise your rights under the CCPA/CPRA, please contact us using one of the following methods:

Verification Process

When you submit a request, we may need to verify your identity to protect your personal information. We will ask you to provide information that matches our records.

7. AI-Generated Content

Artificial Intelligence Disclaimer

Some content on this website may be generated or assisted by artificial intelligence (AI) technologies. While we strive to ensure the accuracy and usefulness of all information provided, we cannot guarantee that AI-generated content is free from errors or omissions. We encourage you to verify any information obtained from our website before relying upon it.

User Responsibility

You acknowledge and agree that your use of any AI-generated content is at your own risk. Shannon McAlister / Home-owners-pdx.com / Luminate Home Loans shall not be held liable for any actions taken based on AI-generated content, nor for any interpretations or conclusions drawn by you from such content.

Indemnification

You agree to indemnify and hold harmless Shannon McAlister / Home-owners-pdx.com / Luminate Home Loans and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys’ fees, arising out of your use of AI-generated content or your interpretation thereof.

8. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, firewalls, and secure socket layer technology. However, no method of transmission over the internet or electronic storage is completely secure.

9. Third-Party Websites

Our website may contain links to third-party websites or resources. These links are provided for your convenience only and do not signify our endorsement of such websites. We have no control over the content or privacy practices of those sites and accept no responsibility for them. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us to have it removed.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be effective immediately upon posting the revised policy on this page. Your continued use of our website and services after such modifications constitutes your acknowledgment of the modified Privacy Policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us:

By using our website and services, you acknowledge that you have read and understand this Privacy Policy and agree to its terms.