Privacy Policy
Effective Date: February 1, 2025
This Privacy Policy explains how State Capital Mortgage (“Company,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards your personal information when you visit our website www.statecapitalmortgage.com, engage our mortgage services, or otherwise interact with us. This Policy is designed to comply with applicable privacy laws including, but not limited to, the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other relevant federal and state regulations.
By accessing our services or submitting personal information, you agree to the terms outlined in this Privacy Policy.
1. Definitions
- Affiliate: Any company controlled by, controlling, or under common control with the Company.
- Application Data: Information you provide during a mortgage application process, including but not limited to income, employment, assets, liabilities, credit history, Social Security number, and property details.
- Borrower: An individual or entity who applies for or receives a mortgage loan from the Company.
- Consumer: A natural person who seeks or obtains financial products or services for personal, family, or household purposes.
- Customer: A consumer with an ongoing relationship with the Company, such as someone with an active or closed loan.
- Device: Any device that can access our website or platform, including but not limited to computers, smartphones, and tablets.
- Financial Information: Data related to a consumer’s credit history, credit score, bank account details, income, and debts.
- Nonpublic Personal Information (NPI): Personally identifiable financial information that is not publicly available and that a consumer provides to us in connection with seeking a financial product or service.
- Personal Information: Any information that identifies, relates to, describes, or can reasonably be associated with a consumer, customer, or their household.
- Service: The mortgage and related services provided by State Capital Mortgage through our website, applications, or in-person interactions.
- Service Provider: A third party contracted to perform services on behalf of the Company in support of mortgage processing or servicing.
- Usage Data: Information automatically collected from your device including IP address, browser type, device identifiers, page interactions, and analytics data.
- Website: The online property accessible via https://www.statecapitalmortgage.com.
- You / Your: The individual who is accessing the website, using the Service, or submitting personal information in relation to mortgage products or services.
2. Information We Collect
We may collect the following categories of information:
- Personal Identifiers (name, address, email, phone number, date of birth, Social Security number)
- Financial and Credit Information (income, employment status, assets, liabilities, credit score)
- Government-Issued Identifiers (driver’s license, passport)
- Device and Internet Activity (IP address, browser type, operating system, pages viewed)
- Communication and Submission Data (inquiries, feedback, contact forms)
3. How We Use Your Information
Your information is used for the following purposes:
- To process, evaluate, and underwrite your mortgage loan application
- To verify your identity and financial credentials
- To communicate with you about your loan status, account, or service requests
- To comply with legal and regulatory requirements
- To detect and prevent fraud or unauthorized activity
- To improve our website, customer service, and internal operations
- To market related services to you (if you opt-in)
4. Sharing Your Information
We do not sell your personal information. We may share your data in the following limited scenarios:
- With affiliated or related financial institutions for processing and servicing
- With third-party Service Providers such as credit bureaus, underwriters, title companies, and IT vendors
- With government agencies or regulators when required by law
- In response to legal proceedings or to protect the legal rights of the Company
5. Data Security
We implement appropriate administrative, technical, and physical safeguards to protect your data. However, no system is 100% secure. We encourage you to take precautions to protect your personal information.
6. Retention of Data
We retain your information for as long as necessary to fulfill the purposes described in this Policy, including regulatory retention periods and the servicing of active or past loans.
7. Your Privacy Rights
You may request to:
- Access the personal information we hold about you
- Correct inaccuracies in your data
- Request deletion of your personal data (subject to exceptions)
- Opt-out of marketing communications
To exercise these rights, contact us at office@scmnv.com.
8. Cookies and Tracking Technologies
We may use cookies or similar technologies to enhance your user experience and track behavior on our Website. You may disable cookies in your browser settings, though some features may be limited.
9. Children’s Privacy
We do not knowingly collect data from individuals under the age of 18. If you believe we have collected such data, please contact us to have it removed.
10. Intellectual Property & Unauthorized Use
All website content—including text, forms, layouts, and visuals—is the exclusive property of State Capital Mortgage. Unauthorized reproduction, redistribution, scraping, or commercial use of our intellectual property is strictly prohibited.
We reserve the right to pursue legal action, including financial damages and injunctive relief, against any person or entity found to be misusing our website content or brand for personal or commercial gain.
11. Changes to This Policy
We may update this Policy periodically. Updates will be posted on this page and the “Effective Date” will be revised accordingly. Material changes may also be communicated via email or website notification.
12. Contact Us
If you have any questions regarding this Privacy Policy or your data, please contact us:
- Email: office@scmnv.com
- Online: Contact Form