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Privacy Policy

Effective Date: July 7, 2023

At www.zapamortgage.com ("we," "us," or "our"), we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website www.zapamortgage.com ("Site") or use our services ("Services"). It also outlines your rights regarding the information we collect and how you can contact us for any inquiries or concerns.

By accessing or using our Site or Services, you agree to the terms outlined in this Privacy Policy. If you do not agree with any part of this policy, please do not use our Site or Services.

1. Information We Collect

1.1. Personal Information

We may collect personal information that you provide to us voluntarily when you contact us through our Site, such as when you fill out a contact form, apply for a mortgage, or request information. This may include:

  • Contact Information: Name, email address, phone number.
  • Financial Information: Income details, credit history, employment information.
  • Identification Information: Social Security Number (SSN), driver's license number.
  • Property Information: Address of the property you are interested in or own.

We only collect personal information that is necessary for the purposes described in this Privacy Policy and to provide you with our Services.

1.2. Non-Personal Information

When you visit our Site, we may automatically collect certain non-personal information about your device and browsing activity. This information may include:

  • Device Information: IP address, browser type, operating system.
  • Usage Data: Pages visited, time spent on pages, referring URLs.
  • Technical Data: Device identifiers, geolocation data.

This data is used to analyze trends, administer the Site, track users’ movements, and gather demographic information for aggregate use. Non-personal information does not personally identify you.

2. Use of Information

We may use the personal information we collect from you for the following purposes:

2.1. To Provide Services

  • Respond to your inquiries and requests.
  • Process and evaluate your mortgage applications.
  • Communicate with you regarding your account or applications.

2.2. To Improve Our Services

  • Understand how our Site and Services are being used.
  • Enhance the functionality and user experience of our Site.
  • Conduct research and surveys to better serve your needs.

2.3. To Send Promotional Communications

  • With your consent, send you promotional emails about our Services, special offers, or other information we think you may find valuable.
  • You can opt out of receiving these communications at any time by following the unsubscribe instructions provided in the emails.

2.4. To Comply with Legal Obligations

  • Fulfill legal requirements, such as responding to subpoenas or court orders.
  • Enforce our Terms of Service and other agreements.

3. Disclosure of Information

We may disclose your personal information to third parties in the following circumstances:

3.1. Service Providers

We may share your personal information with trusted third-party service providers who assist us in operating our Site, conducting our business, or providing Services to you. These service providers have access to your personal information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.

3.2. Compliance with Laws

We may disclose your personal information to comply with applicable laws, regulations, legal processes, or governmental requests. This includes sharing information in response to subpoenas, court orders, or other legal requirements.

3.3. Protection of Rights

We may disclose your information when we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation in which we are involved.

3.4. Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information.

4. Data Security

We take reasonable measures to protect the confidentiality, integrity, and availability of your personal information. These measures include:

  • Encryption: Securing data transmission using SSL/TLS protocols.
  • Access Controls: Limiting access to personal information to authorized personnel only.
  • Regular Audits: Conducting regular security assessments and vulnerability testing.
  • Secure Storage: Storing personal information in secure databases with appropriate safeguards.

However, no security measures can guarantee absolute protection against all potential security threats.

5. Your Rights and Choices

5.1. Access and Correction

You have the right to access, correct, or update your personal information. To do so, please contact us using the information provided below. We will make reasonable efforts to accommodate your request, subject to any legal or contractual obligations.

5.2. Deletion

You may request the deletion of your personal information, subject to certain exceptions. Please contact us to initiate this process.

5.3. Opt-Out of Marketing Communications

You can opt out of receiving promotional emails from us by following the unsubscribe instructions provided in the emails. Even if you opt out, we may still send you non-promotional communications related to your inquiries or the use of our Services.

5.4. Do Not Track

Our Site does not respond to "Do Not Track" signals. However, you can adjust your browser settings to limit or block cookies as you prefer.

6. Children's Privacy

Our Site and Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe that we may have collected personal information from a child, please contact us immediately, and we will take appropriate actions to delete such information.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your personal information, we will securely dispose of it in accordance with applicable laws and regulations.

8. Texas-Specific Disclosures

8.1. Texas Identity Theft Enforcement and Protection Act (ITEPA)

Under Texas law, we are required to protect your personal information and provide you with certain rights in the event of a data breach.

  • Notification: In the event of a data breach involving your personal information, we will notify you as soon as possible and within 60 days of discovering the breach. Notifications will be made via email and/or postal mail, providing details about the breach and steps you can take to protect yourself.
  • Definition of Personal Information: For purposes of ITEPA, personal information includes any information that identifies, relates to, describes, or can be associated with you, including but not limited to your name, address, phone number, Social Security Number, driver's license number, and financial information.

8.2. Texas Business and Commerce Code

  • Right to Opt-Out of Information Sharing: We provide you with the option to opt out of having your personal information sold or shared with non-affiliated third parties. This opt-out does not apply to information shared with affiliated companies or service providers as described in this Privacy Policy.
  • Disclosure Requirements: If required by law, we will disclose your personal information to protect our rights, enforce our agreements, comply with legal obligations, and protect the safety of our users and the public.

9. Third-Party Websites and Links

Our Site may contain links to third-party websites, articles, or resources for your convenience and informational purposes. These links do not signify endorsement or partnership with the linked sites. We have no control over the content, privacy policies, or practices of these third-party websites and cannot assume any responsibility or liability for the accuracy, legality, or authenticity of the information contained within them. Your use of third-party websites is at your own risk and subject to their respective terms and conditions.

10. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time without prior notice. Any changes will be effective immediately upon posting the revised Privacy Policy on our Site. We encourage you to review this Privacy Policy periodically for any updates. Your continued use of our Site or Services after the posting of any modifications constitutes your acceptance of those changes.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us using the following information:

  • Email: info@zapamortgage.com
  • Phone: 832-495-4068
  • Mailing Address: ZAPA.mortgage 5326 W Belfort St, #109 Houston, TX 77035 United States

We value your feedback and are committed to addressing your inquiries promptly and appropriately.

12. Additional Compliance Measures

To ensure full compliance with Texas state laws and other applicable regulations, ZAPA.mortgage implements the following additional measures:

12.1. Employee Training

All employees are trained on privacy policies, data protection best practices, and compliance requirements under Texas law. Regular training sessions are conducted to keep staff updated on any changes in regulations.

12.2. Data Security Audits

Regular security audits are performed to assess the effectiveness of our data protection measures. Vulnerabilities are identified and addressed promptly to maintain robust security standards.

12.3. Incident Response Plan

We have established an incident response plan to handle data breaches or security incidents efficiently. This plan outlines the steps to be taken in the event of a breach, including containment, investigation, notification, and remediation.

12.4. Privacy Officer

A designated Privacy Officer oversees compliance with privacy laws and regulations. The Privacy Officer is responsible for monitoring adherence to this Privacy Policy, managing data protection initiatives, and serving as the primary contact for privacy-related matters.