Revix (Loan Firm LLC DBA Revix) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, share, and safeguard your personal information. It applies to all personal information we collect from customers and website visitors in connection with our mortgage lending services. We comply with all applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and state-specific regulations such as the California Consumer Privacy Act (CCPA), where applicable.
1. Information We Collect
We may collect the following categories of information:
A. Personal and Financial Information
- Full name, mailing address, phone number, email address
- Social Security Number (SSN), driver’s license or other ID numbers
- Employment and income information
- Bank account numbers, asset and liability details
- Property information related to a mortgage application
B. Sensitive Personal Information
- Credit history and credit score
- Tax documents and other financial statements
C. Internet and Device Information
- IP address, device type, browser type
- Pages visited, time spent, and referring websites
- Cookies and similar tracking technologies
D. Communication Data
- Information provided through customer service interactions
- Recorded phone calls (with notice and consent)
- Emails, SMS, or online chat correspondence
2. How We Use Your Information
We use your information to:
- Evaluate mortgage eligibility and process applications
- Verify your identity and detect/prevent fraud
- Communicate with you regarding your application, services, or promotions
- Fulfill legal and regulatory obligations
- Personalize and improve user experience on our website
- Send you marketing communications (with your consent)
3. How We Share Your Information
We do not sell your personal information. However, we may share it in the following circumstances:
- With Service Providers: Third parties who help us operate our website, process applications, verify information, or deliver services
- With Financial Institutions: Credit bureaus, banks, investors, and insurers for underwriting or funding your loan
- With Regulatory Authorities: To comply with legal, regulatory, or audit obligations
- With Affiliates: For everyday business purposes and as permitted by law
- With Your Consent: When you explicitly authorize us to share your information with third parties
4. Cookies and Online Tracking
We use cookies and similar technologies to enhance your experience, analyze site usage, and assist in our marketing efforts. You can manage your cookie preferences through your browser settings. We do not respond to Do Not Track (DNT) signals.
5. Your Privacy Rights
Depending on your state of residence, you may have the following rights:
- The right to access, correct, or delete your personal information
- The right to opt out of certain data sharing and marketing
- The right to receive a copy of your personal information in a portable format
- The right to non-discrimination for exercising privacy rights
To exercise these rights, please contact us at [email protected]. We will verify your identity before fulfilling your request.
6. State-Specific Privacy Rights
California Residents:
Under the California Consumer Privacy Act (CCPA), you have the right to:
- Request disclosure of the categories and specific pieces of personal information we have collected about you
- Request deletion of your personal information, subject to exceptions
- Opt-out of the sale or sharing of personal information
- Not be discriminated against for exercising your rights
We will not share your information with companies outside of our company, except for our everyday business purposes, for marketing our products and services to you, or with your consent.
You may submit a request by contacting us at [email protected] or calling our toll-free number at 888-919-8524. We will verify your identity prior to fulfilling your request.
Texas Residents:
While Texas does not currently have a comprehensive consumer privacy law like CCPA, Revix extends core privacy rights to all Texas residents, including:
- Access to your personal information
- The ability to request corrections
- The right to opt out of certain data uses
Florida Residents:
Florida residents are entitled to:
- Know what categories of personal information we collect
- Request access to their personal data and how it is used
- Request corrections or deletions, where applicable
If you are a Florida resident and would like to make a privacy-related request, please contact us at [email protected].
Vermont Residents:
Vermont is an “opt in” state; not an “opt out” state. Non-public personal financial information may not be shared with others except as permitted by law unless the Vermont consumer specifically consents to the disclosure. In addition, Vermont law prohibits the sharing of credit reports and/or creditworthiness information with affiliates unless the consumer has consented to (“opted-in”) to such sharing. Manage Your Preferences to opt in or out of information sharing.
7. Data Security
We implement industry-standard administrative, technical, and physical safeguards to protect your personal data, including:
- Encryption of data in transit and at rest
- Firewalls and intrusion detection systems
- Role-based access controls and multi-factor authentication
- Employee training on data security and confidentiality
8. Data Retention
We retain personal information as required by law and as necessary for our business purposes, including:
- Regulatory and legal compliance
- Loan servicing and audit requirements
- Fraud prevention and security monitoring
9. Children’s Privacy
Our services are not directed at children under the age of 18. We do not knowingly collect or store personal data from children.
10. Third-Party Links
Our website may contain links to other websites. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.
11. Additional Disclosures
Fair Credit Reporting Act:
This notice is provided to you in accordance with § 601 et seq. of the Federal Fair Credit Reporting Act (FCRA). In connection with processing your loan application, we will request a consumer credit report on your credit standing, credit capacity, and creditworthiness from a Consumer Reporting Agency. If adverse action is taken on your loan application, we will advise you of the name, address, and telephone number of the Consumer Reporting Agency and you will have the right to obtain, within 60 days of adverse action, a free copy of the consumer credit report from the Consumer Reporting Agency. You also have the right to dispute the accuracy or completeness of any information in the credit report furnished.
Important Notice about Credit Reporting:
We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.
Telephone Communications:
All telephone communications with us or our authorized agents may be monitored or recorded for quality control purposes.
Telemarketing and Do Not Call Policy:
Revix maintains an internal Do Not Call preference list and complies with the provisions of the Telephone Consumer Protection Act (TCPA) for all consumers. Do Not Call requests will be honored within 30 days and will be effective for at least five (5) years from the date of request. No telemarketing calls will be made to residential or cellular phone numbers that appear on Revix’s Do Not Call List.
12. Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will revise the “Effective Date” at the top of this page. Significant changes will be communicated through our website or via direct communication.
13. Your Rights Under Federal Law
Federal law gives you the right to limit only the following:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing with non-affiliates to market to you
These rights do not extend to all information sharing. Revix shares information as permitted by law to fulfill its everyday business operations. To limit this sharing where applicable, please contact us at [email protected] or call 888-919-8524.
14. Definitions
Affiliates: Companies related by common ownership or control. They can be financial such as mortgage companies or insurance companies, and nonfinancial companies such as direct marketing companies, technology companies, and title companies.
Non-affiliates: Companies not related by common ownership or control. They can be financial such as mortgage companies, insurance companies, credit unions, and non-financial companies such as direct marketing companies, technology companies, and credit reporting agencies.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Opt-out: A direction by you that the financial institution not disclose certain personal information about you to a non-affiliated third party, except as permitted by law.
Cookies: Text files with small pieces of data that are used to identify and keep track of a website user’s visits and activity.
15. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Revix
Loan Firm LLC DBA Revix
1456 Hughes Rd., Suite 248
Grapevine, TX 76051
Email: [email protected]
Phone: 972-275-8484
Toll-Free: 888-919-8524
NMLS ID: 2684156
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
This policy is designed to ensure Revix remains compliant with GLBA, FCRA, CCPA (as applicable), and other state and federal mortgage lending and consumer protection laws. We are committed to transparency and security in all our data practices.