Privacy Policy.

Introduction

This Privacy Policy describes how Cohen Mortgage, LLC ("we," "us," or "our") collects, uses, and discloses personal information when you visit cohenmortgage.com (the "Site"), submit a loan inquiry, complete a mortgage application, or otherwise interact with us. By using the Site, you agree to the practices described in this policy.

Information We Collect

We collect personal information you provide directly to us, including:

• Contact information: name, email address, phone number, mailing address.
• Financial information: income, employment history, assets, debts, credit history, Social Security number, and other information necessary to evaluate your mortgage application.
• Property information: details about real estate you own, are purchasing, or are refinancing.
• Communication records: emails, text messages, voicemails, and call notes from your interactions with our team.

We also collect information automatically when you visit the Site:

• Device and browser information: IP address, browser type, operating system, referring URL, pages visited, and time spent.
• Cookies and similar technologies: we and our service providers (including Google Analytics and HubSpot) use cookies, web beacons, and similar tools to understand site usage and improve your experience.

How We Use Your Information

We use your information to:

• Evaluate and process mortgage loan applications and pre-qualifications.
• Communicate with you about your inquiry, application, or loan.
• Verify your identity and prevent fraud.
• Comply with applicable laws, regulations, and industry standards governing mortgage lending.
• Improve our services, the Site, and our communications.
• Send you marketing communications about our services (you may opt out at any time).

How We Share Your Information

We may share your information with the parties listed below. This does not include text messaging opt-in data or SMS consent, which we never share (see “Text Messaging (SMS)” below).

• Wholesale lenders and lending partners with whom we submit your application as part of the loan shopping and underwriting process.
• Service providers who help us operate our business (technology providers, credit reporting agencies, appraisers, title companies, document preparation services, and similar).
• Government agencies and regulators as required by federal and state mortgage lending laws.
• Other parties with your consent or as required by law (subpoena, court order, lawful regulatory request).

We do not sell your personal information.

Notwithstanding anything else in this policy, we do not share, sell, rent, or transfer mobile phone numbers, text messaging opt-in data, or SMS consent to any third parties or affiliates for their marketing or promotional purposes. See “Text Messaging (SMS)” below.

Information Sharing Under the Gramm-Leach-Bliley Act

As a financial institution under the Gramm-Leach-Bliley Act, we are required to provide a separate privacy notice to consumers regarding the sharing of non-public personal financial information. That notice is provided when you apply for a mortgage with us. The terms of the GLBA notice govern our information practices for loan applicants and customers.

Text Messaging (SMS)

If you check the optional text messaging box on one of our forms (on our website or on our Facebook or Instagram lead forms), you agree to receive text messages from Cohen Mortgage, LLC (NMLS #2516231) and its loan officers at the mobile number you provided. These texts are about your inquiry and mortgage products, including follow-up on your request, appointment scheduling and reminders, document requests, and updates on your pre-approval or loan status. Some texts may be sent using automated technology. Consent to receive texts is not a condition of any purchase or of getting a loan.

• Message frequency varies. It depends on your inquiry and where you are in the loan process.
• Msg & data rates may apply. Check your mobile plan for details.
• To opt out, reply STOP to any message. You can also call (513) 801-0201 or email [email protected] and ask us to stop texting you. We’ll send one text confirming you’ve been unsubscribed, and you won’t receive any more texts from us unless you opt in again (for example, by replying START).
• For help, reply HELP, call (513) 801-0201, or email [email protected].
• Carriers are not liable for delayed or undelivered messages.

Information we collect for texting. When you opt in, we record your mobile number, the date, time, and form where you gave consent, and the consent wording you agreed to. We also keep a record of the messages we exchange with you. We use this information only to send the texts you asked for, honor opt-outs, provide support, and meet our legal and recordkeeping obligations.

No sharing of mobile information. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. We do not share, sell, rent, or transfer your mobile phone number, text messaging opt-in data, or SMS consent to any third parties or affiliates for their marketing or promotional purposes. All of the sharing categories described in this policy exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties, except the messaging platform and wireless carriers that deliver our texts, which use it only to deliver messages to you, or when required by law.

See our Terms of Use for the full text messaging terms.

Your Rights and Choices

Depending on your state of residence, you may have rights regarding your personal information, including the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to applicable legal retention requirements.
• Opt out of marketing communications, including text messages (reply STOP to any text).
• Withdraw consent for certain processing activities.

To exercise any of these rights, contact us at [email protected]. We may need to verify your identity before fulfilling your request.

Cookies and Tracking Technologies

We use cookies and similar technologies to recognize you on return visits, remember your preferences, and analyze how the Site is used. You can control cookies through your browser settings. Disabling cookies may affect Site functionality.

We use Google Analytics to understand site usage. Google Analytics may collect information about your device and browsing patterns. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including legal, regulatory, accounting, and reporting requirements. Mortgage loan files are typically retained for a minimum of three years after loan closing or denial, in accordance with federal law.

Children

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected in the "Effective" date at the top of this page. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or our information practices, contact us at:

Cohen Mortgage, LLC
4680 Cooper Rd., #B
Cincinnati, OH 45242
(513) 801-0201
[email protected]