Highland Mortgage Privacy Policy
Highland Mortgage, a division of Boxcar Mortgage LLC, NMLS# 1969375, is committed to protecting your privacy. This privacy statement outlines our practices and commitment to your privacy.
OVERVIEW
Highland Mortgage ("we", "us", or "our") respects your privacy and is dedicated to complying with our obligations under the California Consumer Protection Act ("CCPA") as detailed in this privacy notice ("Privacy Notice"). This Privacy Notice describes our practices regarding the collection and sharing of information and applies to the information collected on websites where this Privacy Notice is posted ("Website"), any related mobile applications ("Mobile Application"), and any associated functionalities ("Services").
In this Privacy Notice, "you" and "your" refer to a California resident accessing the System and/or using the Services.
This Privacy Notice only applies to information collected through the System. If you are a consumer or customer, please refer to the privacy notice you received from us for details on our compliance with other applicable privacy laws, such as the federal Gramm-Leach-Bliley Act ("GLBA").
BY ACCESSING OR USING THE SYSTEM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS PRIVACY NOTICE.
This Privacy Notice does not create any contractual or other legal rights for any party.
WHAT PERSONAL INFORMATION IS BEING COLLECTED?
The following information may be collected when you use our website:
Your server address;
The date and time of your visit;
The pages you accessed and the documents downloaded;
The previous website you visited;
The type of browser you are using.
This information is collected for statistical purposes and to enhance website navigation. Where permitted by law, third parties may collect the above-listed information and your online activities. Additionally, our website may request specific personal information to respond to requests or to register users for services.
Cookies and Usage Reports
By placing a small file known as a "cookie" on your computer, Highland Mortgage and our third-party service providers gather information about your use of the System for purposes including statistics collection, system optimization, analytics, market research, and maintaining user login information. The information tracked with cookies includes browser type, IP address, home domain, referrer URL, specific pages accessed, time and date of access, and total number of visitors.
Most internet browsers allow you to configure settings to reject cookies. However, doing so may prevent you from fully utilizing the System's capabilities.
Third-Party Service Providers and Web Beacons
Our websites may use third-party services like Google Analytics to better understand and improve your experience. Google Analytics collects information such as how often users visit a website, which pages are visited, and the previous website visited before coming to our site. Google Analytics collects only the IP address assigned on the date you visit the site, not your name or other identifying information. Google's ability to use and share information collected by Google Analytics about your visits to our sites is governed by the Google Analytics Terms of Use and Google Privacy Policy.
Some areas of the System contain electronic images known as web beacons that allow us and our third-party providers to count users who have visited certain portions of the System. These beacons do not collect personal information.
Correspondence
We welcome your questions and comments via our "Contact Us" page at Highland Mortgage Contact. If you correspond with us through the System or email, the information collected may include the content and metadata of your correspondence. We may share your messages with relevant individuals within our organization and may archive or discard messages as appropriate.
HOW TO OPT OUT OF PROMOTIONAL CORRESPONDENCE
If you opt in to receive promotional emails from us, you may opt out at any time by clicking the link at the bottom of the email or by contacting our Customer Service. Please allow a reasonable period to process your request.
HOW WE USE THE INFORMATION THAT WE COLLECT
We and our third-party service providers use the collected information to operate the System, provide services, improve user experience, address security issues, conduct research, and for legitimate business purposes. We may also use collected information to comply with policies, laws, or regulations.
WITH WHOM WE SHARE THE INFORMATION THAT WE COLLECT
We may share collected information with our affiliates but do not sell or lease user lists. We may disclose information in response to legal requirements, to protect legal rights, or during business transactions like mergers.
MOBILE OPT IN DATA
Your phone number and SMS consent information will not be shared with third parties.
JOB APPLICANTS
Personal information provided for job applications will be used solely for recruitment purposes and may be retained for a period necessary for such purposes. We may disclose your personal information to agents evaluating your qualifications.
PROMOTIONS AND SURVEYS
Participation in online polls, surveys, or promotions is voluntary. Information collected for these activities may be used to administer the activities and communicate with participants.
YOUR CHOICES REGARDING OUR PRIVACY PRACTICES
When interacting with us through the System, you choose the information to supply. Promotional emails contain an opt-out link.
HOW WE PROTECT INFORMATION COLLECTED ABOUT YOU
We use commercially reasonable measures to secure information transmitted via or stored on the System. However, no security system is impenetrable.
LINKED WEBSITES
We are not responsible for the privacy practices of websites not under our control. Linked websites have their privacy policies.
USER-PROVIDED CONTENT
Submissions to the System are at your own risk without any expectation of privacy. We encourage caution when sharing personal information in public forums.
SOCIAL MEDIA PLATFORMS AND WEBSITES
Submissions on social media platforms are at your own risk. Review the privacy policies of these platforms.
RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT
You may contact us to verify and correct personal information, subject to legal limitations.
INFORMATION COLLECTED FROM CHILDREN
The System is not intended for children under 13, and we do not knowingly collect information from them. Information submitted for children must be provided by parents or guardians.
VISITING THE SYSTEM FROM OUTSIDE THE UNITED STATES
If you are outside the United States, your information may be transferred to, stored, or processed in the United States. By using the System, you consent to this transfer.
DO NOT TRACK REQUESTS
We do not monitor or follow Do Not Track browser requests.
FOR MORE INFORMATION
If you have questions about this Privacy Policy, please contact us at highlandmtg.com/contact.
Call 404-850-0959 - our menu will prompt you through your choice(s).
Please note: If you are a customer, we can begin sharing your information 30 days from the date we sent this notice. When you are our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
This Privacy Policy was last updated on [6/14/2024].
STATE LICENSING - NMLS Consumer Access
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1969375
Alabama
Consumer Credit License No. 22904
Arizona
Mortgage Banker License No. BK-1037620
Arkansas
Combination Mortgage Banker-Broker-Servicer License No. 1969375
California
Licensed by the DFPI under the California Financing Law, License No. 60DBO-167616
Colorado
Mortgage Company Registration
Connecticut
Mortgage Lender License No. ML-1969375
Delaware
Lender License No. 038062
District of Columbia
Mortgage Dual Authority License No. MLB1969375
Florida
Mortgage Lender License No. MLD2033
Georgia
Mortgage Lender License No. 71220
Idaho
Mortgage Broker/Lender License No. MBL-2081969375
Illinois
Residential Mortgage License No. MB.6761818
Indiana
Mortgage Lending License No. 63936
Iowa
Mortgage Banker License No. 2024-0062
Mortgage Banker License - Other Trade Name #2 No. 2024-0063
Kansas
Mortgage Company License No. MC.0026604
Kentucky
Mortgage Company License No. MC812242
Louisiana
Residential Mortgage Lending License
Maine
Supervised Lender License
Maryland
Mortgage Lender License No. 1969375
Massachusetts
Mortgage Broker License No. MC1969375
Mortgage Lender License No. MC1969375
Michigan
1st Mortgage Broker/Lender License No. FL0024984
2nd Mortgage Broker/Lender Registrant No. SR0024985
Minnesota
Residential Mortgage Originator License No. MN-MO-1969375
Residential Mortgage Originator License Other Trade Name #1 No. MN-MO-1969375.1
Residential Mortgage Originator License Other Trade Name #2 No. MN-MO-1969375.2
Residential Mortgage Originator License Other Trade Name #3 No. MN-MO-1969375.3
Residential Mortgage Originator License Other Trade Name #4 No. MN-MO-1969375.4
Mississippi
Mortgage Lender License No. 1969375
Montana
Mortgage Broker License No. 1969375
Mortgage Lender License No. 1969375
Nebraska
Mortgage Banker License - 1969375
New Hampshire
Mortgage Banker License No. 1969375MB
New Jersey
Residential Mortgage Lender License
New Mexico
Mortgage Loan Company License
North Carolina
Mortgage Lender License No. L-201636
North Dakota
Residential Mortgage Lender License No. ML104968
Ohio
Residential Mortgage Lending Act Certificate of Registration No. RM.805029.000
Oklahoma
Mortgage Lender License No. ML016010
Lender Name Registration Other Trade Name #1 No. LNR16011
Lender Name Registration Other Trade Name #2 No. LNR16832
Lender Name Registration Other Trade Name #3 No. LNR16833
Oregon
Mortgage Lending License No. 1969375
Pennsylvania
Mortgage Lender License No. 103670
South Carolina
BFI Mortgage Lender / Servicer License No. MLS - 1969375
BFI Mortgage Lender / Servicer License Other Trade Name #1 No. MLS - 1969375 OTN #1
BFI Mortgage Lender / Servicer License Other Trade Name #2 No. MLS - 1969375 OTN #2
BFI Mortgage Lender / Servicer License Other Trade Name #3 No. MLS - 1969375 OTN #3
BFI Mortgage Lender / Servicer License Other Trade Name #4 No. MLS - 1969375 OTN #4
BFI Mortgage Lender / Servicer License Other Trade Name #5 No. MLS - 1969375 OTN #5
BFI Mortgage Lender / Servicer License Other Trade Name #6 No. MLS - 1969375 OTN #6
South Dakota
Mortgage Lender License No. 1969375.ML
Tennessee
Mortgage License No. 1969375
Texas
SML Mortgage Company License
Utah
Mortgage Entity License No. 13003082
Mortgage Entity License - Other Trade Name #1 No. 13911349
Mortgage Entity License - Other Trade Name #2 No. 13911353
Virginia
Broker License No. MC-7296
Lender License No. MC-7296
Washington
Consumer Loan Company License No. CL-1969375
West Virginia
Mortgage Broker License No. MB-1969375
Mortgage Lender License No. ML-1969375
Wisconsin
Mortgage Banker License No. 1969375BA
Mortgage Broker License No. 1969375BR
Wyoming
Consumer Lender License No. CL-4960
Mortgage Lender/Broker License No. 5131