Applicants (Clients)

 

Introduction:

 

Ryan Murray Financial Services LLC DBA Murray Mortgage Solutions (also referred to as “We” or “Us” or “Company”) and its employees use your (also referred to as “Client” or “Customer” or “You”) nonpublic personal information you provide to provide our services. Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

Information We Collect:

 

We collect nonpublic personal information necessary to provide our services, which may include:

• Identifying details: name, age, marital status, Social Security number, home address, phone number, and email address.

• Financial data: income, assets, liabilities, credit score, and tax information.

• Employment history and homeownership status.

• Information from consumer reporting agencies.

• Data related to your mortgage inquiry or application.

 

How We Use your Information:

 

For everyday purposes:

• Provide mortgage brokerage services.

• Maintain internal records and improve our products and services.

• Fulfill regulatory and legal obligations.

• Follow up with you for quality assurance or updates.

•  Inform you of beneficial refinancing opportunities designed to improve your financial health.

 

To market our services to you:

• Send updates about mortgage products and services

• Share educational resources, articles, and tools to help you achieve financial goals.

• Share our Monthly Newsletter

• Inform you about company updates, new services, or promotional offers.

• Invite you to events, webinars, or other informational sessions about home financing.

 

Post-Closing marketing photos and social media:

 

• As part of our post-closing marketing efforts, we may share celebratory content, such as "Loan Closed" announcements, on our social media platforms and website.

• To protect your privacy, we do not disclose any personal information such as your name, specific address, or identifying details.

• Only general information, such as the city of the property and an exterior photo (if applicable), will be shared.

• If you prefer not to have a photo of your property included in these marketing posts, or would like an existing post removed, you can opt out at any time by contacting us at the number or email provided at the end of this document.

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Reasons we can share your personal information and what you can limit overview: 

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• For Everyday Business Purposes: This includes processing your transactions, maintaining your account, improving our products and services, reporting to credit bureaus, quality assurance, follow-ups, and abiding by applicable laws and regulations. Can you limit sharing? No, this information is essential for providing our services and cannot be limited.

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• For Our Marketing Purposes: We may use your personal information to offer you products and services. Can you limit sharing? Yes, you can limit sharing for marketing purposes.

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• For Joint Marketing with Other Financial Companies: We do not share your information for joint marketing with other financial companies. Can you limit sharing? This does not apply since we do not share for joint marketing.

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• For Our Affiliates' Everyday Business Purposes: This refers to sharing information about your transactions and experiences with our affiliates. Can you limit sharing? No, we do not share this information with affiliates.

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• For Our Affiliates to Market to You: We do not share your personal information with our affiliates to market their services to you. Can you limit sharing? This does not apply since we do not share for marketing purposes.

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• For Non-Affiliates to Market to You: We do not share your personal information with nonaffiliated companies to market their products to you. Can you limit sharing? This does not apply since we do not share for marketing purposes.

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How We Collect Your Information:

 

We collect your information securely using Arive, a third-party Point of Sale/Loan Origination system. By submitting your information through Arive, you acknowledge and agree to their privacy practices in addition to ours. Arive operates in compliance with federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA). For more details, please refer to Arive's Privacy Policy here.  We may also collect your information through our company website, email, and telephone (including texts and/or calls). We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 

How We Share your Information:

 

We share your information with various unaffiliated third parties to provide our services and fulfill the requirements of your mortgage transaction. This includes, but is not limited to:

 

• Wholesale lending partners for loan underwriting and approval.

• Title companies to ensure proper title transfers and issue title insurance.

• Insurance companies for verifying or issuing necessary insurance policies and/or quotes.

• Real estate brokers and agents directly involved in your transaction.

• Appraisers for property valuation purposes.

• Credit reporting agencies to verify your creditworthiness.

• Internal Use: We may use secure internal systems, such as email platforms or productivity tools, to process and manage your information.

• Data Management: Client information is securely handled and may be stored or managed using internal systems for record-keeping, communication, and compliance purposes.

 

 

How We Protect your Information:

 

We maintain a comprehensive Physical and IT Security plan. It includes safety measures such as a firewall barrier, secure data encryption techniques, and multi-factor authentication procedures. Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. We recommend that you do not send any confidential information and/or nonpublic personal information by e-mail. We have more secure options for you to utilize. If you do choose to send confidential information and/or nonpublic personal information to us via e-mail, you accept all risk that such information may be intercepted by a third party.

 

Children’s Privacy:

 

We do provide services to anyone under the age of 18 and therefore don’t collect their nonpublic personal information. Only adults can legally enter into a contract, including a Mortgage Note or related documents.

 

Retention of Personal Information:

 

Nonpublic personal information about you will be maintained while you are a client, and for the required period thereafter that records are required to be maintained by federal and state securities laws. We retain client information as long as it is necessary to provide ongoing services and maintain our business relationship. After that time, information will be securely destroyed.

 

Changes in Control or Ownership:

 

Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of our company. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

 

Agreement:

 

By submitting a mortgage application with Murray Mortgage Solutions, you consent to the collection, use, and sharing of your personal information as outlined in this policy. We reserve the right to modify this Privacy Policy at any time, and your continued interaction with us indicates acceptance of any updates. You acknowledge our right at to modify this Privacy Statement at any time. Your continued use of this site following the posting of future changes to these terms indicates your acknowledgment and acceptance of all changes.

 

Right to Opt-Out:

 

If you wish to limit the use of your information for marketing purposes, including post-closing marketing photos, please contact us at:

• Phone: 231-838-7068

• Email: ryan@murraymsolutions.com

• Opt-Out Online Here