Privacy Policy

Effective Date: March 31, 2026

Introduction

Kinfolk Home Loans LLC ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website kinfolk-home-loans.com and use our services.

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

Information We Collect

Personal Information

We may collect the following personal information when you interact with us:

• Full name
• Email address
• Phone number
• Business name and details
• Mailing address
• Financial information relevant to loan applications
• Any other information you voluntarily provide through our contact forms or communications

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on our site
• Referring website addresses
• Device identifiers

How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Communicate with you about our products and services
• Respond to your inquiries and provide customer support
• Send marketing communications (with your consent)
• Improve our website and services
• Comply with legal and regulatory requirements
• Protect against fraud and unauthorized transactions

SMS & Text Message Communications

If you opt in to receive SMS/text messages from Kinfolk Home Loans LLC, the following terms apply:

• We may send you recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, using an automated telephone dialing system (ATDS).
• Message frequency varies. You may receive up to 4 messages per month.
• Message and data rates may apply depending on your mobile carrier plan.
• You may opt out at any time by replying STOP to any message. Upon receipt of your STOP request, we will send a final confirmation message and cease further SMS communications.
• For assistance, reply HELP to any message or email us at cody@kinfolk-home-loans.com.
• Consent is NOT a condition of purchase. You are not required to opt in to SMS messaging to use our services or obtain financing.

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.

Information Sharing and Disclosure

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

• Service Providers: Third-party vendors who assist us in operating our business, such as IT services, payment processing, and customer support
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection: To protect the rights, property, or safety of Kinfolk Home Loans LLC, our clients, or others

Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• File a complaint with a data protection authority

Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie settings through your browser preferences.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected such information, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

Kinfolk Home Loans LLC
8344 E Earll Dr, Scottsdale, AZ 85251
Email: cody@kinfolk-home-loans.com