Privacy Policy

Qualified Home Mortgage (QHM) is powered by and operates under NEXA Mortgage, LLC (NMLS #1660690). This Privacy Policy applies to both QHM and NEXA Mortgage. By using this website, you acknowledge that all loans and related services are arranged through NEXA Mortgage, LLC, and you consent to the data practices described below.

NEXA Mortgage values its users' privacy. This Privacy Policy will help you understand how we collect and use personal information from those who visit our website or make use of our services, and what we will and will not do with the information we collect. This Policy has been designed and created to ensure those affiliated with NEXA Mortgage of our commitment and realization of our obligation to protect your privacy.

We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit our page or contact our support team. If at any point in time NEXA Mortgage decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users will be notified. Users at that time will have the option as to whether to permit the use of their information in this separate manner.

This Policy applies to NEXA Mortgage, and it governs any and all data collection and usage by us. Through the use of our services, you are therefore consenting to the data collection procedures expressed in this Policy.

Please note that this Policy does not govern the collection and use of information by companies that NEXA Mortgage does not control nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.

Specifically, this Policy will inform you of the following:

• What personally identifiable information is collected from you through our website and services;
• Why we collect personally identifiable information and the legal basis for such collection;
• How we use the collected information and with whom it may be shared;
• What choices are available to you regarding the use of your data; and
• The security procedures in place to protect the misuse of your information.

INFORMATION WE COLLECT

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services.

• Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and or services and to deliver the services you have requested.
• Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.
• In addition, NEXA Mortgage may have the opportunity to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using. IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.

Our site and services will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed service forms, and emails. It is our intent to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy.

WE ARE COLLECTING YOUR DATA FOR SEVERAL REASONS:

• To better understand your needs and provide you with the services you have requested;
• To fulfill our interest in improving our services and products;
• To send you promotional emails containing information we think you may be interested in when we have your consent to do so;
• To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
• To customize our website according to your online behavior and personal preferences.

The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional entities or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

USE OF INFORMATION COLLECTED

NEXA Mortgage does not now, nor will it in the future, sell, rent or lease any of its customer lists and or names to any third parties.

NEXA Mortgage may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and or services that may be available to you.

NEXA Mortgage may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

DISCLOSURE OF INFORMATION

NEXA Mortgage may not use or disclose the information provided by you except under the following circumstances:

• As necessary to provide services or products you have ordered;
• In other ways described in this Policy or to which you have otherwise consented;
• In the aggregate with other information in such a way so that your identity cannot reasonably be determined;
• As required by law, or in response to a subpoena or search warrant;
• To outside auditors who have agreed to keep the information confidential;
• As necessary to enforce the Terms of Service;
• As necessary to maintain, safeguard and preserve all the rights and property of NEXA Mortgage.

NON-MARKETING PURPOSES

We maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and or changes in NEXA Mortgage's products and services). In certain circumstances, we may use our website, social media accounts, or other public means to post a notice.

CHILDREN UNDER THE AGE OF 13

NEXA Mortgage's website is not directed to and does not knowingly collect personal identifiable information from children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use our website.

UNSUBSCRIBE OR OPT-OUT

All service users and visitors to our website have the option to discontinue receiving communications from us by way of email. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to [email protected]. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. NEXA Mortgage will continue to adhere to this Policy with respect to any personal information previously collected.

LINKS TO OTHER WEBSITES

Our website may contain links to affiliate and other websites. NEXA Mortgage does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website and services.

NOTICE TO EUROPEAN UNION USERS

NEXA Mortgage's operations are located in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

SECURITY

NEXA Mortgage takes precautions to protect your information. When you submit sensitive information your information is protected both online and offline. When we collect sensitive information (e.g. credit card information) that information is limited and secured. Only employees who need the information to perform a specific job (e.g., billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control.

ACCEPTANCE OF TERMS

By using our website and/or by signing a service agreement you are accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions then you should refrain from further use of our sites and offers. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions will mean that you agree and accept such changes.

HOW TO CONTACT US

If you have any questions or concerns regarding this Privacy Policy Agreement, please feel free to contact us at the following:

Email: [email protected]

---

Disclaimer: Qualified Home Mortgage (QHM) is a marketing brand powered by NEXA Mortgage, LLC, NMLS #1660690. All loans are arranged through NEXA Mortgage, an Equal Housing Lender. This Privacy Policy applies to both QHM and NEXA Mortgage as the licensed entity responsible for loan origination and compliance.