1 Introduction

Welcome to the mortgage services of Elmer Salazar, Mortgage Loan Originator with Blackwood Mortgage ("we," "our," or "us"). Your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website, submit a mortgage inquiry, or interact with us in any other way.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

2 Information We Collect

We may collect the following categories of information:

a) Personal & Financial Information

• Full name, date of birth, and Social Security Number (SSN)
• Contact details: email address, phone number, and mailing address
• Employment information: employer name, income, and employment history
• Financial details: assets, liabilities, credit history, and bank account information
• Mortgage application data: loan amount, property address, and purchase price

b) SMS & Communication Consent

• If you provide your mobile phone number and consent to receive text messages, we collect and store your mobile number, consent status, opt-in records, messaging preferences, and opt-out requests.
• Message and data rates may apply. You may opt out at any time by replying STOP.

c) Usage & Technical Data

• IP address, browser type, device information, and pages visited
• Referral source and time spent on pages
• Cookies and similar tracking technologies (see Section 7)

3 How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage application, including FHA, first-time homebuyer, conventional, VA, HELOC, reverse mortgage, DSCR, and investor loan inquiries
• Communicate with you regarding your loan inquiry or application status
• Send SMS messages or calls related to your inquiry (only with your consent)
• Comply with federal and state lending laws, including RESPA, TILA, and Texas Department of Savings and Mortgage Lending regulations
• Improve our website, services, and marketing performance
• Prevent fraud and maintain the security of our systems

4 How We Share Your Information

We do not sell your personal data. We may share your information with:

a) Lenders & Wholesale Partners

As a mortgage broker with Blackwood Mortgage, we submit your application to licensed wholesale lenders on your behalf for the purpose of obtaining a loan. These lenders are bound by their own privacy policies and applicable law.

b) Service Providers

Third-party vendors who assist us in operating our business, including CRM platforms, lead management systems, marketing platforms, and communication tools. These vendors are contractually restricted from using your data for unauthorized purposes.

c) Legal & Regulatory Requirements

When required by law, court order, or government authority, or to protect our rights, property, or the safety of our clients.

d) Business Transfers

In the event of a merger, acquisition, or sale of business assets, your information may be transferred to the successor entity.

e) SMS Data — Important Restriction

5 TCPA & SMS Compliance

We comply with the Telephone Consumer Protection Act (TCPA). By providing your phone number and checking the consent box on our forms, you expressly consent to receive autodialed or pre-recorded calls and/or text messages from us at the number provided.

You may revoke consent at any time by:

• Replying STOP to any text message
• Emailing us at [email protected]
• Calling us at +1 832-415-0688

Message frequency may vary. Message and data rates may apply.

6 Data Security

We implement industry-standard security measures to protect your personal and financial information against unauthorized access, alteration, disclosure, or destruction. These include encrypted data transmission (SSL/TLS), access controls, and secure data storage.

However, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

7 Cookies & Tracking Technologies

We use cookies, pixels, and similar technologies to:

• Remember your preferences and improve site navigation
• Analyze website traffic and user behavior (e.g., via Google Analytics or Meta Pixel)
• Serve relevant advertising on third-party platforms including Facebook/Meta

You may disable cookies through your browser settings. Note that doing so may affect the functionality of our website.

8 Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Receive a copy of your data in a portable format

To exercise any of these rights, contact us at [email protected] or call +1 832-415-0688.

Texas residents have rights under the Texas Data Privacy and Security Act (TDPSA). California residents: please see our separate CCPA Notice if applicable.

9 Data Retention

We retain personal and financial data for as long as necessary to fulfill the purposes outlined in this policy, complete your mortgage transaction, or as required by applicable federal and state law. Mortgage-related records are retained for a minimum of 3 years in accordance with RESPA and Texas state regulations.

10 Links to Third-Party Websites

Our website may contain links to third-party websites, lender portals, or external resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before providing any information.

11 Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last Updated" date. Continued use of our services after any changes constitutes your acceptance of the updated policy.

12 Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: