Privacy Policy

1. Introduction

Beehive Mortgage, LLC ("we," "us," "our," or "Company") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

2. Information We Collect

2.1 Personal Information You Provide

We may collect personal information that you voluntarily provide to us, including but not limited to:

• Name (first and last)
• Email address
• Phone number (including mobile number for SMS services)
• Mailing address
• Social Security Number (for mortgage applications)
• Financial information (income, assets, debts, credit history)
• Employment information
• Property information
• Government-issued identification

2.2 Information Automatically Collected

When you access our website or platform, we may automatically collect certain information, including:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent on pages
• Referring website or source
• Date and time of access

2.3 SMS and Communication Data

If you enroll in our SMS two-factor authentication service, we collect:

• Mobile phone number
• SMS consent and opt-in status
• SMS delivery and response data

3. How We Use Your Information

We use the information we collect for the following purposes:

• Mortgage Services: To process loan applications, verify identity, assess creditworthiness, and provide mortgage-related services
• Authentication: To provide secure two-factor authentication via SMS for platform access
• Communication: To respond to inquiries, provide customer support, and send service-related notifications
• Compliance: To comply with legal obligations, including federal and state mortgage lending regulations
• Security: To protect against fraud, unauthorized access, and other security threats
• Improvement: To analyze usage patterns and improve our services and website

4. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

4.1 Service Providers

We may share information with third-party vendors who perform services on our behalf, such as:

• Credit reporting agencies
• Loan processing and underwriting services
• Title and escrow companies
• Appraisal services
• SMS and communication service providers
• Cloud hosting and data storage providers

4.2 Legal Requirements

We may disclose information when required by law, regulation, legal process, or governmental request, including to comply with mortgage lending regulations.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4.5 No Sale of Personal Information

We do not sell your personal information to third parties for marketing purposes. Your phone number will never be shared with third parties for their marketing use.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure authentication protocols including two-factor authentication
• Regular security assessments and monitoring
• Access controls limiting employee access to personal information
• Employee training on data protection practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. For mortgage-related records, we retain information as required by federal and state regulations, which may be up to 7 years or longer after the loan is paid off or the application is withdrawn or denied.

7. Your Rights and Choices

7.1 Access and Correction

You have the right to request access to your personal information and to request corrections to any inaccurate information.

7.2 SMS Opt-Out

You may opt out of SMS messages at any time by replying STOP to any message or by contacting us directly. See our SMS Terms & Conditions for more details.

7.3 Email Communications

You may opt out of promotional emails by clicking the unsubscribe link in any email or by contacting us directly.

7.4 California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information (note: we do not sell personal information).

7.5 Do Not Track

Our website does not currently respond to "Do Not Track" browser signals.

8. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device that help us improve our services and your experience. You can control cookie preferences through your browser settings, though disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete that information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

12. GLBA Privacy Notice

As a mortgage lender, Beehive Mortgage, LLC is subject to the Gramm-Leach-Bliley Act (GLBA). We provide a separate GLBA Privacy Notice to loan applicants and customers as required by federal law, which describes our information sharing practices in more detail.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or have concerns about our privacy practices, please contact us: