PRIVACY POLICY
Last updated February 19, 2026
This Privacy Notice for Shred Mortgage, Ltd (doing business as Shred Mortgage) ("we," "us," or "our"),
describes how and why we may access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"),
including when you:
- Visit our website at https://www.shredmortgage.com or any website of ours that links to this Privacy Notice
- Use our mortgage brokerage services as a mortgage brokerage that originates consumer home loans through wholesale mortgage lenders
- Engage with us in other related ways, including marketing or events
Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices.
We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices,
please do not use our Services. If you still have any questions or concerns, please contact us at
info@shredmortgage.com.
SUMMARY OF KEY POINTS
This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by using our
table of contents
below.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about
personal information you disclose to us.
Do we process any sensitive personal information? We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Learn more about
sensitive information we process.
Do we collect any information from third parties? We may receive personal information from mortgage lenders, credit reporting agencies, verification services, marketing partners, analytics providers, and other service providers involved in the mortgage application or website operation process.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, to process mortgage-related transactions, and to comply with law. We may also process your information for other purposes with your consent. Learn more about
how we process your information.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about
when and with whom we share your personal information.
How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure. Learn more about
how we keep your information safe.
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about
your privacy rights.
How do you exercise your rights? The easiest way to exercise your rights is by visiting
https://www.shredmortgage.com/contact
, by emailing us at
info@shredmortgage.com
, or by calling us at 800-776-8123.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, when you apply for mortgage-related services, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:
- names
- phone numbers
- email addresses
- mailing addresses
- contact preferences
- mortgage application information
- employment and income information
- asset and liability information
- government-issued identification information
Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we may process the following categories of sensitive information:
- financial data
- information revealing race or ethnic origin where required or voluntarily provided in connection with mortgage lending compliance
- credit worthiness data
- social security numbers or other government identifiers
- citizenship or immigration status where applicable to mortgage processing
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.
We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity
(like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics,
operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services,
and other technical information. This information is primarily needed to maintain the security and operation of our Services,
and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies.
The information we collect includes:
- Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports, and hardware settings).
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, to facilitate mortgage applications and related services, and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
- To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
- To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
- To process mortgage applications and related services. We may process your information to evaluate your eligibility, submit your information to lenders, assist with underwriting, coordinate with third-party providers, and facilitate loan origination and closing activities.
- To respond to user inquiries and offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
- To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
- To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.
3. FINANCIAL INFORMATION PRIVACY
As a mortgage brokerage, Shred Mortgage, Ltd may collect financial information necessary to originate and process mortgage loan applications.
This information may include credit history, income verification, asset information, employment details, government-issued identification,
and other information required by mortgage lenders, investors, insurers, settlement service providers, and regulators.
We may share this information with licensed mortgage lenders, credit reporting agencies, verification service providers,
title and escrow companies, appraisal and settlement service providers, compliance vendors, technology providers,
and other parties necessary to process, underwrite, close, service, or audit a mortgage loan application or transaction.
We handle non-public personal information in accordance with applicable financial privacy laws, including the Gramm-Leach-Bliley Act (GLBA), where applicable.
We may need to share your personal information in the following situations:
- Mortgage-Related Processing. We may share your information with wholesale mortgage lenders, investors, loan processing providers, credit bureaus, verification service providers, title companies, escrow companies, appraisal management companies, insurers, compliance vendors, and other service providers involved in the mortgage application or transaction process.
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- When we use Google Maps Platform APIs. We may share your information with certain Google Maps Platform APIs (for example, Google Maps API or Places API) if these features are used on the website.
- Legal Compliance. We may disclose your information where required to do so by law or where we believe such action is necessary to comply with legal obligations, protect and defend our rights or property, prevent fraud, or protect users or the public.
We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services.
Some online tracking technologies help us maintain the security of our Services, prevent crashes, fix bugs, save your preferences,
and assist with basic site functions.
We may also permit certain third parties and service providers to use tracking technologies on our Services for analytics and website performance purposes.
To the extent required by applicable law, you may be able to control these technologies through your browser settings or applicable consent tools on the site.
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies.
If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.
6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice,
unless a longer retention period is required or permitted by law (such as tax, accounting, mortgage, licensing, compliance, audit,
or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than sixty (60) months
past the start of the idle period of the user's account, unless a longer period is required by law or necessary for mortgage-related compliance and record retention.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information,
or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store
your personal