Privacy Policy for RefiAlly.com
Effective Date: November 17, 2025
1. Introduction
RefiAlly.com (“we,” “us,” “our”) is a digital platform operated by United Mortgage Corp, a licensed mortgage-origination and refinancing company. At RefiAlly, we provide cash-out refinance, second-mortgage and investment-property financing services. We respect your privacy and are committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information, and your rights with respect to it.
2. Scope
This Policy applies to all information we collect through our website (RefiAlly.com), via applications, phone calls, email, and other communications in connection with our mortgage and refinance services. It also addresses how we handle information of existing customers.
By using our website or engaging our services you acknowledge that you have read and understood this Policy and consent to the practices described herein.
3. Information We Collect
We collect two broad categories of information: Personal Information and Non-Personal / Technical Information:
3.1 Personal Information
We may collect personal information such as:
Identifiers: name, mailing address, email address, telephone number, Social Security number.
Financial information: income, assets, liabilities, credit history, credit scores.
Property information: property address, value, type (single-family, multifamily, investment property), current mortgage amount, payment status.
Employment and demographic information: employer name/address, age, marital status, etc.
Application data: information you submit in connection with a refinance or second mortgage transaction.
Transaction and experience information: account balance, payment history, transaction records, service requests.
3.2 Non-Personal / Technical Information
We also collect data automatically or via third-party tools, including:
IP address, browser type and version, operating system, referring/exit pages, timestamps, and usage data.
Cookies, web beacons, pixel tags, and similar technologies to understand usage of our website, personalize experience, and for analytics/marketing.
Device identifiers and mobile data if you access via mobile device.
4. How We Use the Information
We use the information we collect for the following purposes:
To provide, process and service mortgage, refinance, cash-out and second-mortgage loan products.
To evaluate your creditworthiness, underwriting, property valuation, compliance with applicable laws, and servicing.
To communicate with you: respond to inquiries, send statements, disclosures, marketing communications (with your consent where required).
To personalize your experience on our site, customize content and offers, and improve our website, tools, services and customer support.
For analytics, monitoring and improving website performance, detecting and preventing fraud, ensuring information security.
To comply with legal and regulatory obligations (e.g., anti-money laundering, HMDA (Home Mortgage Disclosure Act), state licensing, and consumer protection rules).
5. How We Share the Information
5.1 With Affiliates and Non-affiliates
We may share your personal information as follows:
With service providers, third-party vendors and partners who assist us in providing our services (e.g., credit bureaus, title/escrow companies, underwriting/valuation providers, technology vendors).
With our affiliates for the purposes of servicing and offering products.
With non-affiliated third parties for our business purposes (consistent with the GLBA and applicable privacy laws).
With government or regulatory authorities where required by law, subpoena or other legal process.
5.2 Marketing and Selling
We will not “sell” your personal information (as defined under CCPA/CPRA) without your affirmative consent. Where applicable and required, we will provide you an opportunity to opt out of certain sharing or sale/disclosure of your personal information.
6. Your Rights
Depending on your state of residence (especially if you are a California resident) you may have certain rights:
Right to know what personal information we have collected, used, disclosed and sold/ shared, and the categories of sources, purposes and third parties.
Right to request deletion of your personal information (subject to certain exceptions such as servicing a loan and regulatory retention).
Right to opt out of the sale or sharing of your personal information for marketing purposes.
Right to receive equal service and pricing even if you exercise your privacy rights.
To exercise these rights, you may contact us at: [Insert contact email / phone]. We will require verification of identity before responding. We respond to requests within the timeframe required by applicable law (e.g., 45 days under CCPA, with extension up to 90 days if needed).
Note: Some information may be exempt from deletion or opt-out if it is subject to GLBA, consumer-reporting laws or other legal retention requirements.
7. Cookies and Tracking Technologies
We use cookies, web beacons, pixel tags and similar technologies to collect information about your browser/device and your interaction with our website. These technologies help us:
Recognize your browser/device and preferences.
Provide and tailor content, offers and advertisements.
Measure and analyze traffic and usage patterns.
You may choose to disable cookies via your browser settings, but this may limit your ability to fully use our website.
8. Data Security and Retention
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration or destruction. These include encryption, secure transmission (e.g., TLS), access controls, and periodic review of our security procedures.
While we strive to protect your data, no method of electronic transmission or storage can be completely secure.
We retain personal information for the period necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, enforce agreements, and as required by applicable state or federal laws.
9. International Users
Our services are intended for users in the United States. If you are located outside the U.S., please be aware that the laws governing your personal data may differ from U.S. law, and we may transfer, process and store your data in U.S. jurisdictions in accordance with this Policy.
10. Children’s Privacy
We do not knowingly collect personal information from children under the age of 18 (or under age 13 if required by applicable law). If we learn we have collected such information without verifiable parental consent, we will take prompt measures to delete that data.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal/regulatory requirements or business operations. We will post the revised Policy on our website with the “Effective Date” updated. When required by applicable law, we will provide notice to you (for example by email or prominent posting). Your continued use of our website or services after the effective date signifies your acceptance of the revised Policy.
12. Contact Us
If you have any questions about this Privacy Policy, our practices, or would like to exercise any rights described herein, please contact: refially@unitedmortgage.com
End of Policy.