Last Updated: May 20, 2025
INTRODUCTION
A&D Home Lending (“A&D,” “we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website https://www.adhomelending.com/ and engage with our mortgage lending services.
Please read this Privacy Policy carefully. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by all the terms outlined in this Privacy Policy. If you do not agree with our policies and practices, please do not use our website or services.
INFORMATION WE COLLECT
Personal Information
We may collect the following types of personal information:
- Contact Information: Name, email address, phone number, mailing address
- Identification Information: Date of birth, social security number, government-issued identification
- Financial Information: Income details, employment information, credit history, bank account information, asset information, debt obligations
- Property Information: Information about properties you’re interested in financing
- Communication Preferences: Your opt-in selections and communication history
How We Collect Information
We collect information from you when you:
- Register on our website
- Complete a mortgage pre-qualification or application form
- Request information about mortgage products
- Subscribe to updates or newsletters
- Contact us via phone, email, or chat
- Use our mortgage calculators or tools
- Apply for employment
Cookies and Tracking Technologies
We use cookies, web beacons, pixels, tags, and similar tracking technologies to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features on our website.
HOW WE USE YOUR INFORMATION
We may use the information we collect to:
- Process and evaluate mortgage applications
- Provide, maintain, and improve our services
- Respond to your inquiries and fulfill your requests
- Send you marketing communications (with your consent)
- Verify your identity and prevent fraud
- Comply with legal and regulatory requirements
- Analyze usage patterns and optimize user experience
- Conduct internal research and development
COMMUNICATION CONSENT AND PREFERENCES
Text Message Communications
When you provide your mobile phone number and consent to receive text messages:
- You explicitly agree to be contacted by text message from A&D Home Lending regarding mortgage information, rate alerts, application status updates, and other lending services
- Message frequency varies depending on your loan application status and account preferences
- Message and data rates may apply according to your wireless carrier plan
- You can opt out at any time by replying “STOP” to any text message you receive from us
- For support, you may reply “HELP” to any message or contact us at [email protected]
Our complete Privacy Policy provides full details about how we handle your personal information.
Email Communications
When you provide your email address:
- You agree to receive emails from A&D Home Lending containing mortgage information, rate updates, and relevant financial services
- You can unsubscribe from our email communications at any time by clicking the “Unsubscribe” link at the bottom of any email we send
Communication Records
We maintain detailed records of your communication preferences and consent, including:
- Date and time of consent
- Source of consent (specific form, checkbox, etc.)
- IP address at time of consent
- Full record of consent language shown at time of opt-in
DISCLOSURE OF YOUR INFORMATION
Data Protection Commitment: A&D Home Lending will not sell or share your personal information with third parties for promotional or marketing purposes. This protection applies to all users regardless of location.
We may share your personal information only in the following limited circumstances:
- Service Providers: Third parties that perform essential services on our behalf, such as loan processing, credit verification, document preparation, and customer service, solely for the purpose of providing these services
- Business Partners: Title companies, escrow companies, appraisers, or other service providers necessary to complete mortgage transactions, strictly for transaction-related purposes
- Financial Institutions: Lenders, investors, and loan servicers who may purchase, fund, or service your loan as required to process and maintain your mortgage
- Legal Requirements: When required to comply with applicable law, regulatory requirements, legal process, or governmental requests
- Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business
YOUR PRIVACY RIGHTS
Depending on your location, you may have certain rights regarding your personal information, which may include:
- Access to your personal information
- Correction of inaccurate information
- Deletion of your personal information
- Restriction or objection to processing
- Data portability
- Withdrawal of consent
To exercise any of these rights, please contact us using the information provided in the “Contact Us” section below.
DATA SECURITY
We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
RETENTION OF YOUR INFORMATION
We retain your personal information 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. For mortgage applications and funded loans, we typically retain information for the legally required period established by federal and state regulations.
THIRD-PARTY WEBSITES AND SERVICES
Our website may contain links to third-party websites and services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of any third-party sites you visit.
CHILDREN’S PRIVACY
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date. You are advised to review this Privacy Policy periodically for any changes.
CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:
- The right to know what personal information we collect, use, disclose, and sell
- The right to delete certain personal information
- The right to opt-out of the sale of personal information
- The right to non-discrimination for exercising your privacy rights
Please refer to our California Privacy Notice accessible on our website for more detailed information about your California privacy rights.
FAIR CREDIT REPORTING ACT NOTICE
As part of our mortgage services, we may obtain and use consumer reports and the information contained in such reports. We are committed to complying with the Fair Credit Reporting Act (FCRA) regarding the use of such information. For more information about the FCRA, visit www.consumerfinance.gov/learnmore.
CONTACT US
If you have any questions about this Privacy Policy or our privacy practices, please contact us at:
A&D Home Lending 425 E. Colorado St. Suite 565 Glendale, CA 91205 Email: info(at)adhomelending(dotted)com Phone: (866)992-6998
YOUR CONSENT
By using our website and services, providing your information, and selecting any opt-in checkboxes, you consent to the collection and use of information in accordance with this Privacy Policy. For text message communications, your checking the box labeled “I agree to be contacted by text message from A&D Home Lending regarding mortgage services and updates. Msg/data rates may apply. Msg frequency varies. Reply STOP to unsubscribe. See our Privacy Policy for details.” constitutes your express written consent.