Privacy Policy

Last updated: March 18, 2026

This Privacy Policy describes how HLWV LLC, doing business as Home Loans With Vanessa (“the Company,” “We,” “Us,” or “Our”), collects, uses, discloses, and protects Your information when You use our Service. As a mortgage lending company, We are subject to federal and state financial privacy laws, including the Gramm-Leach-Bliley Act (“GLBA”), and We take our obligation to safeguard Your nonpublic personal information seriously.

By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to HLWV LLC, 14201 Ranch Road 12, Suite 3, Wimberley, TX 78676. NMLS# 893657.
• Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
• Country refers to: Texas, United States.
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• Nonpublic Personal Information (NPI) means personally identifiable financial information provided by a consumer to a financial institution, resulting from any transaction with the consumer, or otherwise obtained by the financial institution, as defined under the Gramm-Leach-Bliley Act.
• Personal Data is any information that relates to an identified or identifiable individual.
• Service refers to the Website.
• Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• Website refers to Home Loans With Vanessa, accessible from https://www.homeloanswithvanessa.com
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, and particularly in connection with mortgage loan inquiries, applications, and transactions, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Full legal name, date of birth, and Social Security Number
• Home address, mailing address, email address, and telephone number(s)
• Employment information, including employer name, address, position, and length of employment
• Income and financial information, including pay stubs, tax returns, W-2s, bank statements, and other financial records
• Credit history and credit report information
• Property information, including the address and value of real estate owned or being purchased
• Loan application information, including the type of loan sought, loan amount, and intended property use
• Government-issued identification numbers, including driver’s license or state ID numbers
• Information about Your assets, debts, and liabilities
• Demographic information collected as required by the Home Mortgage Disclosure Act (HMDA) and the Equal Credit Opportunity Act (ECOA), such as race, ethnicity, and sex (provided voluntarily by You for government monitoring purposes)

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
• Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies

  Type: Session Cookies

  Administered by: Us

  Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

• Cookies Policy / Notice Acceptance Cookies

  Type: Persistent Cookies

  Administered by: Us

  Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

• Functionality Cookies

  Type: Persistent Cookies

  Administered by: Us

  Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Gramm-Leach-Bliley Act (GLBA) Privacy Notice

As a mortgage lending company, We are a “financial institution” as defined under the GLBA. We are required to provide You with this notice about Our privacy policies and practices regarding the nonpublic personal information We collect and share.

Categories of Information We Collect

We collect nonpublic personal information about You from the following sources:

• Information We receive from You on applications, forms, and through other communications, such as Your name, address, Social Security Number, income, assets, debts, and employment information.
• Information about Your transactions with Us, our affiliates, or others, such as Your loan balance, payment history, and account activity.
• Information We receive from consumer reporting agencies, such as Your credit history and creditworthiness.
• Information We receive from other third parties, such as employers, other financial institutions, and government agencies in connection with Your loan application.

Information We May Disclose

We may disclose nonpublic personal information about You to the following types of third parties:

• Financial service providers, such as mortgage investors, insurers, and loan servicers.
• Non-financial companies, such as appraisal companies, title companies, and settlement agents as necessary to process and close Your mortgage loan.
• Consumer reporting agencies, in accordance with the Fair Credit Reporting Act (FCRA).
• Government agencies and regulators, as required or permitted by law.

Your Right to Opt Out

You have the right to opt out of certain disclosures of Your nonpublic personal information to nonaffiliated third parties, except where such sharing is permitted by law (for example, sharing with companies that help Us process Your loan, sharing with consumer reporting agencies, or sharing as required by law or regulation). If You wish to opt out of such disclosures, please contact Us using the information provided at the end of this Privacy Policy.

Confidentiality and Security

We restrict access to Your nonpublic personal information to those employees and authorized service providers who need to know that information to provide products or services to You. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect Your nonpublic personal information.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To process and evaluate Your mortgage loan application, including verifying Your identity, income, employment, assets, credit history, and property information.
• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To comply with federal and state laws and regulations, including but not limited to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA), the SAFE Mortgage Licensing Act, and applicable state mortgage lending laws and regulations.
• To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
• To manage Your requests: To attend and manage Your requests to Us.
• For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You, and to process Your loan application.
• With mortgage investors, loan purchasers, and servicers: We may share Your information with entities that purchase, guarantee, insure, or service Your mortgage loan.
• With credit reporting agencies: We may share Your information with credit reporting agencies in accordance with the FCRA, including information about Your loan and payment history.
• For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
• With government and regulatory bodies: as required by law or regulation, including the Nationwide Mortgage Licensing System and Registry (NMLS), the Consumer Financial Protection Bureau (CFPB), the Texas Department of Savings and Mortgage Lending (SML), and other federal and state regulators.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Credit Reporting

We may report information about Your account to consumer reporting agencies. Late payments, missed payments, or other defaults on Your account may be reflected in Your credit report. If You believe We have reported inaccurate information to a consumer reporting agency, You have the right to dispute that information directly with the consumer reporting agency and with Us.

Messaging Terms and Conditions

By providing your phone number and agreeing to receive texts, you consent to receive text messages from HomeLoansWithVanessa.com, from 512-813-9290 regarding account notification, customer care, marketing. Consent is not a condition of purchase. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time or HELP for assistance. You can also contact us at 512-813-9290 or [email protected]. Mobile opt-in information is never shared with third parties.

• Customer data is not shared with 3rd parties for promotional or marketing purposes.

• Mobile opt-in and consent are never shared with anyone for any purpose. Any information sharing that may be mentioned elsewhere in this policy excludes mobile opt-in data.

Information Security

We maintain a comprehensive information security program as required by the GLBA Safeguards Rule. This program includes administrative, technical, and physical safeguards designed to protect Your nonpublic personal information. Our safeguards include, but are not limited to:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication measures
• Employee training on information security and privacy
• Regular risk assessments and security testing
• Oversight of service providers who have access to Your information
• Incident response procedures to address potential data breaches

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations. Federal and state mortgage lending regulations may require Us to retain certain records for specific periods of time (for example, records related to mortgage applications and transactions are generally retained for a minimum of three to five years, or longer as required by applicable law). We will retain Your data to comply with applicable laws, resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so, including but not limited to records required to be maintained under federal and state mortgage lending laws and regulations.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law Enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Regulatory Examinations and Audits

As a licensed and regulated mortgage lending company, We may be required to provide Your Personal Data to federal and state regulators during examinations, audits, or investigations, including but not limited to the Consumer Financial Protection Bureau (CFPB), the Texas Department of Savings and Mortgage Lending (SML), and regulators in other states where We are licensed to do business.

Other Legal Requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Fair Lending and Equal Credit Opportunity

We are committed to fair lending practices and compliance with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant’s income derives from any public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us, including but not limited to the Nationwide Mortgage Licensing System and Registry (NMLS) Consumer Access website at https://www.nmlsconsumeraccess.org, the Texas Department of Savings and Mortgage Lending at https://www.sml.texas.gov, and other third-party websites. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

State-Specific Privacy Disclosures

We are licensed and/or authorized to conduct mortgage lending business in the following states: California, Colorado, Florida, North Carolina, South Carolina, Tennessee, and Texas. Your privacy rights may vary depending on the state in which You reside. If Your state of residence provides additional privacy rights or protections beyond those described in this Privacy Policy, We will comply with such requirements as applicable. Please contact Us for information about privacy rights specific to Your state.

California Residents

If You are a California resident, You may have additional rights under the California Consumer Privacy Act (CCPA) and the California Financial Information Privacy Act, including the right to know what personal information We collect and how it is used, the right to request deletion of Your personal information (subject to certain exceptions), and the right to opt out of the sale of Your personal information. We do not sell Your personal information. For more information or to exercise Your rights, please contact Us.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By email: [email protected]
• By phone: (512) 790-0947
• By mail: HLWV LLC, 14201 Ranch Road 12, Suite 3, Wimberley, TX 78676

Vanessa Jones Schlomer, Branch Manager — NMLS# 893657

NMLS Consumer Access