Privacy Policy

Last updated: November 2026

Who this policy covers

This policy explains how Simply Approved Mortgages LLC (NMLS# 2620881), a mortgage broker and not a direct lender, collects, uses, shares, and protects personal information gathered through this website, our forms and chat tools, and the mortgage application process. As a financial institution, we also provide the privacy notice required by the Gramm-Leach-Bliley Act (GLBA) and Regulation P to customers who apply for a loan.

Information we collect

• Information you give us: name, phone, email, property address, loan purpose and occupancy, income and employment details, assets and debts, and documents you choose to upload.
• Information from others, with your authorization: consumer credit reports, identity and employment verifications, property valuation and public-record data, and information from settlement providers involved in your transaction.
• Information collected automatically: pages visited, referring site, general location (country), browser, operating system, device type, time on page, page speed, and error reports. Our site analytics is provided by our website host; it does not use cookies, does not store anything on your device, does not keep IP addresses, and does not identify individual visitors. Detailed analytics data is kept for 90 days and daily summaries for one year. See Lovable's privacy policy for how it handles this data.
• Consent records: when you agree to be contacted, we record the wording you agreed to, the date and time, the page, and technical details such as IP address and browser, so we can prove and honor your choice.

How we use your information

• To respond to your request and to evaluate, arrange, process, and close a mortgage loan with a third-party wholesale lender.
• To verify identity and meet federal and state legal, anti-fraud, anti-money-laundering, fair-lending, and recordkeeping obligations.
• To contact you about your inquiry or file by the methods you consented to.
• To secure, maintain, and improve this website and its tools.

We do not use your information to make automated credit decisions. Calculators, live pricing, and the Ask Sam AI assistant give general, educational estimates only; any credit decision is made by the lender through its own underwriting.

How we share information

We share personal information only as needed to provide the service you requested or as permitted or required by law, including with:

• Wholesale lenders and investors reviewing or funding your loan.
• Appraisers, title and settlement agents, insurers, and credit and verification vendors involved in your transaction.
• Service providers under written contracts that limit their use of the data to services for us (for example, secure hosting, email delivery, and our customer-relationship system).
• Regulators, law enforcement, or courts when legally required, or to protect against fraud.

We do not sell or rent your personal information, and we do not share it with outside companies for their own marketing. Optional third-party services linked from this site are independent companies with their own privacy policies; we do not send them your loan information unless you ask us to.

Consumer reports and credit

We obtain a consumer report only with your authorization when you apply. If credit is denied or offered on less favorable terms based in whole or in part on a consumer report, you will receive the notice required by the Fair Credit Reporting Act, including how to get a free copy of the report and dispute errors.

Calls, texts, and emails

When you submit a form and check the consent box, you agree that Simply Approved Mortgages LLC may contact you by phone, text, and email, which may include automated technology, at the contact details you provide. Consent is not a condition of any purchase or of obtaining credit. Message and data rates may apply. You can opt out at any time by replying STOP to a text, using the unsubscribe link in an email, or contacting us. We keep opt-out requests permanently so we can honor them. Messages required for an application or loan you started may continue.

How we protect information

We maintain administrative, technical, and physical safeguards consistent with the FTC Safeguards Rule, including encrypted connections, access limited to staff who need it, secure document upload links, and vendor oversight. No system is completely secure, so please use our secure upload rather than email for sensitive documents, and never send your Social Security number or account numbers through general contact forms or chat.

How long we keep information

We keep loan and application records for the periods required by federal and state law and by the lenders we work with, then dispose of them securely. Consent records are kept for at least five years after our last contact with you, and longer while a file is open or where law or a legal matter requires.

Your privacy rights and choices

You may ask us to access or correct the personal information we hold about you. Depending on where you live, you may have additional rights under state law, such as deletion or appeal of a decision on your request. Information covered by GLBA and records we must keep by law may be exempt from deletion. We will not discriminate against you for exercising a privacy right. To make a request, email support@simplyapprovedmortgages.com or call 877-813-7219; we may need to verify your identity first.

Children

This site is not directed to children under 13, and we do not knowingly collect personal information from them.

Changes to this policy

We may update this policy as our services or legal obligations change. The date at the top shows the latest revision. Material changes will be posted here before they take effect where required.

Contact us

Simply Approved Mortgages LLC · NMLS# 2620881 · support@simplyapprovedmortgages.com · 877-813-7219. Equal Housing Opportunity.