Privacy Policy & Legal Protection Statement

Last Updated: 4/12/2025

At Circle Home Loans, Trust Is the Foundation of Our Business

We don’t just handle loans — we handle people, relationships, and personal data. Protecting your privacy and safeguarding your information is core to who we are.

This Privacy Policy outlines how we collect, use, and protect your personal information. It applies to all interactions with Circle Home Loans via web, phone, in-person, email, webinar, or co-marketing campaigns.

Information We Collect

We collect nonpublic personal information as needed to provide lending and consultation services. This may include:

Information you provide via online forms, applications, calls, or meetings — e.g., name, address, phone number, email, Social Security Number, financial and employment data Information from your transactions with us or affiliates — e.g., account activity, loan history, payment data Information from third parties — such as credit bureaus, verification services, or public databases Website data — including analytics, user behavior, session info, and browser/device details (cookies may be used)

How We Use and Share Information

We only use your information to provide services you request, communicate with you, or comply with legal/regulatory requirements.

We do not sell your information. We never share it outside of what’s necessary to:

Process your loan application Verify identity, employment, and credit Communicate via email, text, or phone (with consent) Conduct legally permissible co-marketing (see below) Improve our systems, marketing, and services

Any third party we work with (e.g., appraisers, title companies, processors) is bound by confidentiality and data protection obligations.

Co-Marketing, Reinvestment & RESPA Compliance

Circle Home Loans complies fully with the

Real Estate Settlement Procedures Act (RESPA)

.

We do not offer or accept anything of value in exchange for referrals. We may reinvest company profits into general buyer education, webinars, marketing, or brand awareness efforts in select local markets. Co-marketing with Realtors or affiliated parties is only conducted on a proportional cost-share basis, consistent with fair market value and clearly documented. Any buyer referrals made to real estate agents are based on alignment, not compensation.

Your Choices & Consent

By using our website, submitting forms, or providing your contact info, you consent to the use of your data as outlined. You may:

Opt-out of marketing emails or texts at any time Request to review, correct, or delete your data Decline cookies or tracking from our website (via browser settings)Limit information sharing as allowed by law (under GLBA/CCPA)

Text Messaging (TCPA Disclosure)

By providing your phone number, you consent to receive calls and text messages related to your inquiry or account from Circle Home Loans, including via automated systems. Message and data rates may apply. You can opt out by replying “STOP.”

Website Links & External Partners

Our site or marketing may include links to third-party tools, partners, or co-hosted events. We are not responsible for the content, policies, or practices of those external sites. Use them at your own discretion.

Data Security

We use secure servers, encryption, internal access controls, and industry-standard protections to keep your information safe. Our employees are trained in confidentiality and data privacy best practices.

Policy Updates

This Privacy Policy may be updated periodically. Continued use of our services after changes are posted means you accept the revised terms.

Contact Us

Circle Home Loans

📞 615-601-6560

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[email protected]

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www.circlehomeloans.com