Fellowship Mortgage — Privacy Policy

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Fellowship Mortgage, LLC, a limited liability company formed in North Carolina ("Company", "we", "our", or "us") is committed to protecting your privacy in the manner disclosed in this policy. This policy describes how we collect, process, retain, and disclose your personal data when providing services to you through our website(s) and through other services that link to this policy (collectively, our "Services"). This policy

also describes practices for using, maintaining, protecting, and disclosing that information.

This policy applies only to information we collect through the Services or in communications between you and the Services. This includes email, text, chat, and other electronic messaging. It does not include or apply to information collected by us through any other means (e.g., offline) or collected by any third party (e.g., through the applications or ads of others that may link to or be accessible from or through the Services).

This policy may be supplemented or supplanted by additional or different privacy policies that particularly relate to specific features, services, or activities. Please read this policy carefully. By interacting with our Services or providing us with your information, you agree to the collection, use, and sharing of your information as described herein. This policy may be updated from time to time. Your continued use of

the Services after such changes is an acceptance of those changes, so please check the policy regularly if your privacy is important to you. We will provide notice of any such changes to the policy by updating the "last updated" date above and publicly posting the updated policy, as well as may be required by law. Although we may also email or otherwise communicate reminders about this policy, you should check the

current policy periodically for any changes made to it.

"Personal data" is information that identifies, relates to, or describes, directly or

indirectly, you as an individual, such as your name, email address, telephone number,

home address, and the like.

We may collect or process the following information, which may (under certain laws,

depending on your jurisdiction) be considered sensitive:

• Contact information, including name, email address, phone number, and other contact information you provide us.
• Device information, including your IP address, device identifiers, operating system and version, preferred language, hardware identifiers, browser type and settings, and other device information.
• Content and information you elect to provide to us, e.g., via email, chat, or other communications.
• Internet or network activity, such as the pages you’ve visited, things you’vesearched for, and ways you’ve interacted with websites, applications, or advertisements.

Other information we may collect includes:

• Statistics or aggregations of data that do not directly identify any particular person, but from which certain personal statistical or aggregated data may be possibly be derived. For example, we may aggregate your personal data with other website visitors to determine the percentage of users that use or access a specific feature of our Services.
• Technical information, e.g., about your device, network, internet connection, and the like. This information may also include details about your interactions with the Services, such as errors encountered, clickstream information to, through, and from our Services, the date and time of use, products viewed or searched for, page loading and response times, how long you view certain pages, ways you interact with pages (e.g., scrolling, clicking, and mouse-overs), and how you browse away from a page.

If we combine non-personal statistical or technical data with your personal data so that it

directly or indirectly identifies you, we will treat the combined information as your

personal information.

Our Services are not intended for, and we do not knowingly collect any personal data

from, children and minors under the age of 18. If we learn we have collected or received

personal data from someone under 18 years old without verification of parental consent,

we will delete that information.

Your data is collected either because you provided it to us, because the data was

obtained automatically by our Services, or because we received the data from our

business partners and service providers.

• Data you provide to us: For example, you may provide information to us that may collect if you interact with our Services, such as by filling out a form asking us to contact you.
• Data automatically collected: Information may be collected as you interact with our Services. For example, as you navigate our website, we may use automatic data collection technologies to collect information that may include personal data. Information collected automatically may include IP addresses, operating system, browser type, usage. This information may, for example, be collected through cookies, web beacons, and other tracking technologies, including details of your interactions with our Services and which resources and Services features that you access and use. The use of automatic collection technologies helps us to improve our Services and to deliver a better and more personalized experience.
• Data received from business partners and service providers: We may receive personal data about you from other sources and combine that with information we collect directly from you. For example, we may obtain information about you from service providers that we engage to perform services on our behalf, such as email platform providers, marketing services, content delivery services, loan origination platforms, website analytics services, and security and anti-fraud services.

When you interact with the Services, there may be third parties that operate outside of

our control and that use collection technologies to collect information about you or your

device. We do not control these third parties' tracking technologies or how they may be

used. These third parties may include:

• Advertisers, ad networks, and ad servers.
• Your device manufacturer.
• Your internet or mobile service provider.
• Your operating system vendor.

The information collected by uncontrolled third parties may be associated with your personal data. Additionally or alternatively, they may collect information about your online activities over time and across different websites, apps, platforms, and other online services. This information may include your personal data. If you have questions about an advertisement or other targeted content, you should contact the

responsible provider directly, as we cannot control how uncontrolled third parties collect and use our data.

We use information that we collect about you or that you provide to us, including any personal data, to:

• Provide you with the Services, including its contents, features, information, products, or services.
• Provide you with notices and updates about the Services and, more generally, with the business you conduct with us.
• Improve our Services, including by analyzing your information and creating aggregated data derived from your information) to develop, maintain, analyze, improve, optimize, measure, and report on our Services and their features and how users interact with them.
• Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• Fulfill any purpose(s) we describe when you provide the information.
• Fulfill any purpose(s) for which you provide the information or otherwise consent to.

The information we collect about your use of our Services, whether associated with your personal data or not, helps us to improve our Services and deliver a better and more personalized experience, for example, by helping us:

• Estimate the size and usage patterns of users.
• Store information about your preferences, allowing us to customize the Services according to your individual needs and interests.
• Speed up your searches.
• Recognize you when you return to our Services.

We may use your email address to contact you about our goods and services that may be of interest to you. If you do not want us to use your information in this way, please notify us at andrew@fellowshipmtg.com.

If you choose to opt-in to our text messaging services, we may use your mobile telephone number to send you text messages you about our goods and services that may be of interest to you. Should you choose to do so, this section will govern and override any other terms of this privacy policy with which it conflicts.

Your mobile telephone number will not be shared with third parties for any purpose other than that described in this section. Opting into our text messaging serves as your consent to receive SMS messages from us related to our service offerings. Message frequency may vary. Standard message and data rates may apply, depending on your mobile carrier plan. You may subsequently opt out of receiving SMS messages at any time by replying with “STOP” to any SMS message you receive from us. After you send

“STOP,” you will receive a confirmation message, and no further SMS messages will be sent to your number.

Without restriction, we may disclose aggregated information about our users that does not identify any individual.

We may also disclose any of the personal data that we collect or you provide as

described in this privacy policy:

• To our subsidiaries and affiliates.
• To third parties we use to support our organization (e.g., our contractors and service providers).
• To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
• To a buyer or other successor in the event of 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 is among the assets transferred.
• To fulfill the purpose for which you provide it, or for any other purpose disclosed to you by us when you provide the information.
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our organization, our customers, or others.
• To anyone else with your consent.

Depending on your state of residency, you may have certain rights related to your personal data, including:

• Access and Data Portability. You may confirm whether we process your personal data and access a copy of the personal data we process. To the extent feasible and required by state law, depending on your state, data will be provided in a portable format. Depending on your state, you may have the right to receive additional information and it will be included in the response to your access request.
• Correction. You may request that we correct inaccuracies in your personal data that we maintain, taking into account the information's nature and processing purpose.
• Deletion. You may request that we delete personal data about you that we maintain, subject to certain exception under applicable law.
• Opt Out of Using Personal Data for Targeted Advertising, Profiling, and Sales. You may request that we do not use your personal data for these purposes.

Important: The exact scope of these rights vary by state. There are also several exceptions where we may not have an obligation to fulfill your request. To exercise any of these rights or to appeal a decision regarding a consumer rights request, please email andrew@fellowshipmtg.com.

We use commercially reasonable administrative, physical, and technical measures designed to protect your personal data from accidental loss or destruction and from unauthorized access, use, alteration, and  disclosure. However, no website, mobile application, system, electronic storage, or online service is completely secure, and we cannot guarantee the security of your personal data transmitted to, through, using, or in connection with the Services. In particular, email, texts, and chats sent to or from the Services may not be secure, and you should carefully decide what information you send to us via such communications channels. Any transmission of personal data is at your own risk.

The safety and security of your information also depends on you. You are responsible for taking steps to protect your personal data against unauthorized use, disclosure, and access.

We keep the categories of personal data described in this policy for as long as  reasonably necessary to fulfill the purposes described or for as otherwise legally permitted or required, such as maintaining the Services, operating our organization, complying with our legal obligations, resolving disputes, and for safety, security, and fraud prevention. This means that we consider our legal and business obligations, 

potential risks of harm, and nature of the information when deciding how long to retain personal data. At the end of the retention period, personal data will be deleted, destroyed, or deidentified.

Contact Information

To exercise your rights or ask questions or comment about this privacy policy or our privacy practices, contact us at: andrew@fellowshipmtg.com