Privacy Policy

Alphanous Loan Solutions Corp. ("Company", "we", "us", or "our") is committed to protectingthe privacy and security of our clients’ personal and financial information. This Privacy Policy describes the types of information we collect, how it is used and shared, and the steps we take to safeguard it. Our privacy practices are designed to comply with applicable federal, state, and international regulations. By using our services, you agree to the terms outlined in this Privacy Policy.

We collect various types of personal, financial, and credit-related information from our clients to

facilitate the mortgage loan process. The information we gather includes:

A. Financial Information

◘ Bank account details and statements.

◘ Income verification (e.g., tax returns, pay stubs, W-2s, 1099s).

◘ Loan-related documents, including existing mortgage information.

◘ Credit and debt obligations, including outstanding balances and payment history.

B. Personal Information

◘ Full legal name, date of birth, and Social Security Number (SSN).

◘ Contact details, including address, email, and phone number.

◘ Employment details, job title, employer, and work history.

◘ Residential history and property ownership records.

C. Credit Information

◘ Credit history and credit scores obtained from credit reporting agencies.

◘ Public records related to creditworthiness, including bankruptcy filings and liens.

◘ Debt repayment history and financial standing.

Our company collects information through various secure methods, including:

◘ Secure Online Portals: Clients upload documents through encrypted digital platforms.

◘ Email Communications: Encrypted email exchanges for document submission.

◘ Direct Interactions: Phone calls, in-person meetings, and correspondence.

◘ Third-Party Sources: Credit bureaus, lenders, financial institutions, and public records.

All collected data is securely stored using advanced encryption technologies, firewalls, and

multi-layered access control protocols to prevent unauthorized access, misuse, or loss.

We use client information strictly for the purpose of mortgage loan processing and related

services, including but not limited to:

◘ Loan Processing & Underwriting: Submitting applications, verifying financial

information, and securing approvals.

◘ Regulatory Compliance: Adhering to federal, state, and industry regulations, including

anti-fraud measures.

◘ Fraud Prevention & Risk Assessment: Detecting suspicious activities and preventing

fraudulent transactions.

◘ Customer Support & Communication: Responding to inquiries, providing updates, and

assisting with loan applications.

◘ Legal Obligations: Responding to law enforcement or legal proceedings when required

by law.

We do not sell, rent, or share personal data for marketing or commercial purposes outside of the

scope necessary for loan processing and compliance.

To facilitate mortgage loan processing, we may share necessary information with trusted third-

party service providers, including:

◘ Lenders and Financial Institutions: For loan approval, underwriting, and funding.

◘ Credit Reporting Agencies: To obtain and verify credit history.

◘ Title Companies and Escrow Agents: To process real estate transactions.

◘ Regulatory Authorities: When required by law or to comply with legal obligations.

Each third-party entity must adhere to strict confidentiality agreements and comply with all

relevant data protection laws.

Alphanous Loan Solutions Corp. operates in strict compliance with:

◘ Gramm-Leach-Bliley Act (GLBA): Mandating the protection of consumer financial

information.

◘ Fair Credit Reporting Act (FCRA): Regulating the collection and distribution of credit

information.

◘ General Data Protection Regulation (GDPR) (for European clients): Ensuring

international data protection standards.

◘ State-Specific Privacy Laws: Complying with consumer protection regulations in

Massachusetts, Florida, and Rhode Island.

We continually update our policies and procedures to reflect any changes in legal and regulatory

requirements.

A. Data Retention

We retain client data only for as long as necessary to:

◘ Complete the mortgage loan process and related transactions.

◘ Fulfill legal and regulatory obligations.

◘ Resolve disputes and prevent fraud.

Once information is no longer needed, we securely dispose of it using data destruction best

practices, including secure deletion and document shredding.

B. Client Rights

Under applicable data protection laws, clients have the right to:

1. Access: Request a copy of their personal data held by us.

2. Correction: Request corrections for any inaccurate or outdated information.

3. Deletion: Request data removal, subject to legal and operational limitations.

4. Opt-Out: Restrict or withdraw consent for certain types of data processing.

Clients can exercise these rights by contacting us via the details provided below.

We take comprehensive steps to protect client data, including:

◘ Encryption: Secure encryption protocols for data transmission and storage.

◘ Access Control: Role-based access controls and multi-factor authentication.

◘ Network Security: Firewalls, intrusion detection, and routine vulnerability assessments.

◘ Employee Training: Regular training on data privacy, security policies, and legal

compliance.

Our services are not intended for individuals under the age of 18, and we do not knowingly

collect or store personal information from minors.

We may periodically update this Privacy Policy to reflect changes in our business practices, legal

obligations, or security measures. Clients will be notified of significant updates via email or

through our website.

For any questions, concerns, or requests regarding this Privacy Policy, please contact us:

Email: [Insert Contact Email]

Phone: [Insert Contact Number]

Mailing Address: [Insert Office Address]

By using our services, you acknowledge that you have read, understood, and agreed to this

Privacy Policy, including our practices regarding data collection, use, and disclosure as described

herein.