PRIVACY POLICY

Osprey Mortgage Lending ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and protect the information we obtain from and about you when you apply for a mortgage loan, use our services, visit our website, or otherwise interact with us.

By using our services or providing us with your information, you agree to the terms of this Privacy Policy.

We may collect various types of information, including:

• Personal Identifiable Information (PII): This includes information that can be used to identify you directly, such as your name, address, phone number, email address, date of birth, social security number, marital status, and government-issued identification numbers.
• Financial Information: This is crucial for mortgage lending and may include income details, employment history, bank account numbers, credit history, credit scores, assets, liabilities, tax returns, and other financial statements.
• Property Information: Details about the property you intend to finance, such as its address, value, type, and related appraisal or inspection reports.
• Technical and Usage Information: When you visit our website or use our online services, we may automatically collect information such as your IP address, browser type, operating system, referring URLs, pages viewed, and access times. This helps us understand how our services are used and improve your experience.
• Communication Information: Records of your communications with us, including emails, phone calls, and SMS messages.

We collect information through various methods:

• Directly from You: When you provide it to us voluntarily, such as when you fill out loan applications, communicate with our loan officers, or sign up for services.
• From Third Parties: We obtain information from credit bureaus, employers, financial institutions, appraisers, title companies, and other third parties involved in the mortgage lending process, as necessary and permitted by law.
• Automatically: Through cookies, web beacons, and similar technologies when you visit our website.

We use the information we collect for the following purposes:

• Mortgage Loan Processing and Services: To process your loan application, assess your eligibility for a mortgage, underwrite loans, facilitate loan closing, and service your loan.
• Credit Assessment: To evaluate your creditworthiness and financial standing.
• Communication: To communicate with you regarding your loan application status, required documents, loan terms, payment information, and other service-related matters.
• Customer Support: To provide assistance and respond to your questions and requests.
• Service Improvement: To analyze usage patterns, troubleshoot issues, and improve the quality and functionality of our services and website.
• Compliance and Legal Obligations: To comply with applicable laws, regulations (such as the Truth in Lending Act, Fair Credit Reporting Act, etc.), and legal processes, and to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others.
• Fraud Prevention: To detect, prevent, and investigate fraudulent or unauthorized activities.

We may disclose your information to the following categories of recipients:

• Lenders and Underwriters: To financial institutions and their underwriting departments for loan approval and funding.
• Credit Bureaus: To obtain your credit report and credit score, and to report your payment history.
• Appraisers and Title Companies: To facilitate property valuation and ensure clear title to the property.
• Attorneys and Escrow Agents: As necessary for loan closing and legal compliance.
• Loan Servicing Partners: To entities that may service your loan after closing, including collecting payments and managing escrow accounts.
• Investors: If your loan is sold to an investor in the secondary mortgage market, as permitted by law.
• Service Providers: To third-party vendors, consultants, and other service providers who perform services on our behalf, such as IT support, data hosting, and analytics. These parties are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.
• Legal and Regulatory Authorities: When required by law, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

We implement reasonable administrative, technical, and physical safeguards to protect the personal information we collect from unauthorized access, use, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption, access controls, secure data storage, and regular security assessments. Despite our efforts, no security system is impenetrable, and we cannot guarantee the absolute security of your information.

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

• Access: Request access to the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal information.
• Deletion: Request deletion of your personal information, subject to certain exceptions (e.g., legal obligations).
• Restriction: Request restriction of the processing of your personal information.
• Portability: Request a copy of your personal information in a structured, commonly used, and machine-readable format.
• Object: Object to the processing of your personal information for certain purposes.

To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law.

Communications sent via email are not always secure. While we take measures to protect your information, we cannot guarantee the security of information transmitted via email. We advise against sending highly sensitive personal or financial information via unencrypted email. If you choose to communicate with us via email, you do so at your own risk. We will use your email address to send you information related to your loan application, service updates, and other relevant communications. You may opt-out of marketing emails at any time by following the unsubscribe instructions included in the email.

By providing your mobile number and opting in, you agree to receive SMS messages from Osprey Mortgage Lending regarding your loan application, status updates, document requests, payment reminders, and other service-related information. Message and data rates may apply. Message frequency will vary. You can opt-out of receiving SMS messages at any time by replying "STOP" to any message you receive from us. For help, reply "HELP". We do not share your mobile number with third parties for marketing purposes. Please note that SMS messages are not always secure, and we advise against sending highly sensitive personal or financial information via SMS.

Our website may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to the practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children without parental consent. If we become aware that we have inadvertently collected personal information from a child without proper consent, we will take steps to delete such information.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated Privacy Policy on our website with a revised "Last Updated" date. We encourage you to review this policy periodically. Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

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

Osprey Mortgage Lending, LLC

5364 Osprey Street

Coconut Creek, FL 33073

Office number 954-905-7526