THE CLOSING AUTHORITY PRIVACY POLICY

Effective Date: 07/01/2020

The Closing Authority Team ("Company," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (the "Site"), interact with our services, or communicate with us—including through artificial intelligence (AI)-powered text messages, phone calls, and emails.If you have questions or concerns about this policy, please contact us at:
Email: info@tca-team.com

1. Information We Collect

We collect information to provide better services to our users. The types of information we collect include:

1.1. Information You Provide Directly

• Contact Information: Name, address, phone number, email address, and other contact details.
• Application Data: Information you provide when applying for a mortgage, such as employment, income, financial, and credit information.
• Communications: Records of your correspondence with us, including via email, phone, text, or through our website forms.

1.2. Information Collected Automatically

• Log Data: IP address, browser type, operating system, access times, and referring website addresses.
• Usage Data: Information about your use of the Site, including pages viewed, links clicked, and other actions.
• Cookies & Similar Technologies: We use cookies and related technologies to recognize you and customize your experience (see Section 5).

1.3. Information from AI-Powered Communications

• We may collect, record, or transcribe information exchanged via AI-powered text messages, phone calls, emails, or chatbots. These communications may include personal information you provide during interactions with our automated systems.

2. How We Use Your Information

We use your information for purposes including, but not limited to:

• Processing Applications: To process and evaluate your mortgage application or other service requests.
• Communications: To contact you about your application, account, or other inquiries, including through AI-powered or automated systems (see Section 6).
• Personalization: To personalize your experience and deliver relevant content, services, and offers.
• Improvement: To improve our Site, products, and services, including training and enhancing our AI systems.
• Compliance: To comply with legal and regulatory requirements and respond to lawful requests or legal processes.
• Security: To detect, prevent, and address technical issues, fraud, or other misuse.

3. How We Share Your Information

We may share your information as follows:

• With Service Providers: With trusted service providers who assist us in operating our Site, processing applications, or providing other services on our behalf (including providers of AI communications technology).
• Legal Requirements: As required by law, regulation, legal process, or governmental request.
• Business Transfers: In connection with a merger, acquisition, sale of assets, or similar business transfer.
• With Your Consent: With other parties at your direction or with your explicit consent.

We donotsell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your information from unauthorized access, use, alteration, or disclosure. Despite these efforts, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage your cookie preferences through your browser settings. Disabling cookies may affect your ability to use certain features of our Site.

6. AI-Powered Communications

6.1. Nature of Automated Contact
By providing your contact information, you agree that The Closing Authority Team may contact you via AI-powered or automated systems, including text messages, phone calls (which may use prerecorded or AI-generated voices), and email.

6.2. Transparency and Opt-Out
Automated communications will identify themselves as such. You may opt out of receiving AI-powered or automated communications at any time by following the opt-out instructions in the message (e.g., replying "STOP" to a text) or by contacting us at info@tca-team.com 

6.3. Data from AI Interactions
Data collected from AI-powered communications may be used for customer service, application processing, quality assurance, and service improvement.

7. Your Choices and Rights

• Access and Correction: You may request access to or correction of your personal information by contacting us.
• Opt-Out: You may opt out of marketing communications or AI-powered communications at any time.
• Cookies: You can manage cookies via your browser settings.
• Do Not Track: Our Site does not currently respond to "Do Not Track" browser signals.

Depending on your jurisdiction, you may have additional rights under applicable privacy laws (e.g., the CCPA or GDPR). Please contact us for more information.

8. Children’s Privacy

Our Site and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child, please contact us so we can delete it.

9. External Links

Our Site may contain links to external websites not operated by Home First Mortgage. We are not responsible for the privacy practices or content of such sites.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any modifications indicates your acceptance of the updated policy.

11. Contact Us

If you have any questions or requests regarding this Privacy Policy or your personal information, please contact us at:
Email:  info@tca-team.com

By using our Site or communicating with us, you acknowledge that you have read and understood this Privacy Policy.