Legal policies

All of our legal polices so we can be open about our service and you can be informed on how things work.

Disclosures & Licensing

Licensing information can be verified at: http://www.nmlsconsumeraccess.org/

State: License
License Name

AK: AK140234

Alaska Mortgage Broker/Lender License

AL: 22428

Alabama Consumer Credit License

AR: 112270

Arkansas Combination Mortgage Banker-Broker-Servicer License

AZ: 0923263

Arizona Mortgage Banker License Other Trade Name #1 25030 S. 190th St. Queen Creek, AZ 85142 (877) 959-9992.

CA: 4131187

California DBO Residential Mortgage Lending Act License. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act

CO: N/A

Colorado Mortgage Company Registration

CT: ML-140234

Connecticut Mortgage Lender License

DE: 024522

Delaware Lender License

DC: MLB140234

District of Columbia Mortgage Lender License

FL: MLD571

Florida Mortgage Lender License

FL: MLD1099

FLORIDA MORTGAGE LENDER SERVICER LICENSE

GA: 36905

Georgia Mortgage Lender License

HI: 140234

Hawaii Mortgage Loan Originator Company License

ID: MBL-9323

Idaho Mortgage Broker/Lender License

IL: MB.6850022

Illinois Residential Mortgage Licensee Illinois Department of Financial and Professional Regulation, 310 S. Michigan Ave, Suite 2130, Chicago, IL 60604-4278, (312) 793-3000

IN: 11106

Indiana-DFI First Lien Mortgage Lending License

IA: 2017-0091

Iowa Mortgage Banker License

KS: MC.0025484

Kansas Mortgage Company License

KY: MC24420

Kentucky Mortgage Company License

LA: N/A

Louisiana Residential Mortgage Lending License

MD: 20543

Maryland Mortgage Lender License

MA: ML140234

Massachusetts Mortgage Lender License

ME: 140234

Maine Supervised Lending License

MI: FL0018698

Michigan 1st Mortgage Broker/Lender License

MN: MN-MO-40168356

Minnesota Residential Mortgage Originator License

MS: 140234

Mississippi Mortgage Lender License

MO: 17-2355

Missouri Company Registration. Missouri Branch: 16690 Swingley Ridge Rd., Ste. 240, Chesterfield, MO 63017

MT: 140234

Montana Mortgage Lender License

NE: N/A

Nebraska Mortgage Banker License

NH: 22320-MB

New Hampshire Mortgage Banker License

NM: N/A

New Mexico Mortgage Loan Company License

NJ: N/A

New Jersey Residential Mortgage Lender License

NC: L-156423

North Carolina Mortgage Lender License

ND: MB102030

North Dakota Money Broker License

NV: 4785

Nevada Mortgage Banker License

NY: N/A

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

OH: MB.803441.000

Ohio Mortgage Broker Act Certificate of Registration

OK: ML011482/ML011483

Licensed as a Mortgage Lender by the Department of Consumer Credit

OR: ML-5189

Oregon Mortgage Lending License

PA: 40564

Pennsylvania Mortgage Lender License

RI: 20173524LL

Rhode Island Lender License

SC: MLS-140234

South Carolina – BFI Mortgage Lender/Servicer License

SD: ML.05173

South Dakota Mortgage Lender License

TN: 109035

Tennessee Mortgage License

TX: N/A

“Texas SML Mortgage Banker Registration CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV.”

UT: 10436296

Utah – DRE Mortgage Entity License

VT: 7112 7113

Vermont Lender License

VA: MD-5717

Virginia Lender License NMLS ID 140234 (www.nmlsconsumeraccess.org)

WA: CL-140234

Washington Consumer Loan Company License

WV: ML-32371

West Virginia Mortgage Lender License

WI: 720832BA

Wisconsin Mortgage Banker License

WY: 3072

Wyoming Mortgage Lender/Broker

Privacy

Facts
What Does Keller Mortgage Do With Your Personal Information?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The type of personal information we collect and share depend on the product or service you have with us. This information can also include: • Social Security number and income • Credit scores and credit history • Account balances and mortgage rates and payments. When you are no longer our customer, we continue to share your information as described in this notice.

HOW?

All financial companies need to share Customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies share thier Customers’ personal information; the reasons Keller Mortgage chooses to share, and whether you can limit this sharing.

Reasons we share your personal information
Does Keller Mortgage share?
Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

yes

no

For our marketing purposes – to offer other products and services to you.

Yes

No

For joint marketing with other financial companies.

No

We Don't Share

For our affliates’ everyday business purposes – Information about your transactions and experiences.

Yes- With Permission

Yes

For our affliates' everyday business purposes – Information about your creditworthiness.

Yes

Yes

For our affiliates to market to you.

Yes

Yes

For non-affiliates to market to you.

No

We Don't Share

To limit our sharing:

• Call 888-766-2678 – our menu will prompt you through your choices, or • Visit us online at www.kellermortgage.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer 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.

Questions?

Call 888-766-2678 or visit www.kellermortgage.com

Who is Providing this Notice?

Keller Mortgage

How Does KM protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We may enter into agreements with other companies to provide products and services to us and to you. These companies must safeguard your information and use it for specific purposes.

Why can't I limit all sharing?

Federal laws give you the right to limit only: • Sharing for affiliates everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. We also allow you to request that we not market to you by phone, fax, and/or e-mail.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. • Keller Mortgage only shares personal information with our affiliated businesses.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. • Non-affiliates we share with can include insurance, title, and escrow companies, credit bureaus. appraisers, lenders, investors and mortgage services.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Keller Mortgage does not jointly market.

WEBSITE POLICIES AND TERMS OF USE

PLEASE READ. YOUR USE OF THIS WEBSITE IS SUBJECT TO THESE POLICIES AND TERMS OF SERVICE This website (“website”) is owned and operated by Keller Mortgage, LLC, which may also do business as Smarter Mortgages and/or Keller Mortgage. (collectively referred to as “Keller”). The policies set forth herein comprise the Terms of Use for this website and any associated websites. By accessing, browsing, or using this website, you acknowledge that you have read, understand, and agree to be bound by these terms and to comply with all applicable laws and regulations. Each use of this website by you indicates and confirms your agreement to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website. Your use of this website or any Services or information derived from this website constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this website are hereby incorporated by reference.

Data Security and Protection
While Keller takes reasonable and appropriate precautions to protect its customers and to prevent possible security breaches in our website and customer databases, no website, internet transmission, computer system or wireless connection is completely secure. Consequently, Keller cannot guarantee that unauthorized access, hacking, data loss or other breaches will never occur. YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR OWN RISK. Keller does not make any express or implied warranties, representations or endorsements with respect to links, files or other information provided on, downloaded from or accessed through this website. This website may also provide links or data connections to third-party websites or web applications. Keller does not control the content of third-party sites and cannot be held responsible or liable for the content or accuracy of any external websites.
Limitation of Liability
By using this website or any website managed by Keller, you agree that Keller shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this website, its data connections, links, applications, downloadable files or other information or functions contained herein or found on any website that may be accessed or connected to by way of this website. We reserve the right to make changes to Keller’s websites and our legal disclaimers. We encourage you to review Keller’s websites and these disclaimers periodically for any updates or changes. Your continued access or use of Keller’s website shall be deemed your acceptance of these disclaimers and any subsequent changes.

DISCLAIMER OF WARRANTY

Use of this website is at your sole risk. All materials, information, products, software, programs, and services are provided “as is,” with no warranties or guarantees whatsoever. Keller expressly disclaims to the fullest extent permitted by law all express, implied, statutory, and other warranties, guarantees, or representations, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary and intellectual property rights. Without limitation, keller makes no warranty or guarantee that this website will be uninterrupted, timely, secure, or error-free. You understand and agree that if you download or otherwise obtain materials, information, products, software, programs, or services, you do so at your own discretion and risk and that you will be solely responsible for any damages that may result, including loss of data or damage to your computer system. Some jurisdictions do not allow the exclusion of warranties, so the above exclusions may not apply to you.

LIMITATION OF LIABILITY

In no event will Keller be liable to any party for any direct, indirect, incidental, special, exemplary or consequential damages of any type whatsoever related to or arising from this website or any use of this website, or of any website or resource linked to, referenced, or accessed through this website, or for the use or downloading of, or access to, any materials, information, products, or services, including, without limitation, any lost profits, business interruption, lost savings or loss of programs or other data, even if keller is expressly advised of the possibility of such damages. This exclusion and waiver of liability applies to all causes of action, whether based on contract, warranty, tort, or any other legal theories.
Use of website content
This website and any of its content may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without Keller‘s prior written consent, except that Keller grants you a non-exclusive, non-transferable, limited license to access and display the pages within this website solely on your computer and for your personal, non-commercial use. This permission is conditioned on your not modifying the content displayed on this website, your adherence to and positing of all copyright, trademark, and other proprietary notices. Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any website content and hereby disclaim any such right. Notwithstanding the foregoing, any software and other materials that are made available for downloading, access, or other use from this website may be subject to their own license terms or restrictions, which may govern their use. You may not use this website’s content, domain names, or any email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any such content in or as any meta-tag or hidden text; In or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as this website or controls the content of any other Internet browser window. Your failure to comply with the terms, conditions, and notices on this website will result in automatic termination of any rights granted to you without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission previously defined, Keller does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this website on another Website or in any other media.
Certain disclaimers
Information on this website is not promised or guaranteed to be correct, current, or complete, and this website may contain technical inaccuracies or typographical errors. Keller assumes no responsibility (and expressly disclaims responsibility) for updating this website to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described in this website. Keller provides no assurances that any reported problems will be resolved by Keller even if Keller elects to provide information with the goal of addressing a problem. Any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This website is published for distribution through the world wide web. Keller’s products and services are not available in all geographic areas. Keller does not lend in the State of New York, and this website should not be used by New York consumers.
PRIVACY POLICY
Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. This Privacy Policy explains the types of information we gather and what we do with it, and is intended to provide you notice of Keller’s information management practices, including how the information is gathered, safeguarded and the degree to which you may control the maintenance and sharing of your information. Your use of any Services or this website constitutes acceptance and agreement with this Privacy Policy and any other applicable terms. Information Gathered
Personally Identifiable Information That We Collect
Keller respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this website and Services. Keller may gather information that personally identifies users of this website, even if you provide such information to us. For example, Keller will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this website. We will also collect nonpublic personal information about you and members of your household in connection with your agreements, applications or transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this website, the products or services you inquire about or select and the type of product or service you agree to undertake. Information collected may include: information we receive from you on applications, agreements and other forms; information about your transactions with us, our affiliates or others; information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this website or interest in products and services related to those offered by Keller and interaction with other web-based or mobile applications; information we receive from consumer reporting agencies and other sources; and with your consent, we may ask a third party providers to confirm or give us more details about your applications, inquiries or transactions with us or others.
Non-Personally Identifiable Information That We Collect
You may be asked to provide information that does not personally identify you. Keller may request this information to understand you better and to also bring to your attention new products, services, programs or offers that may be of interest to you. In many cases, Keller will automatically collect certain non-personally identifiable information about your use of this website and Services. Keller might collect, among other things, information concerning the type of internet browser, operating system or computer operating system you are using, the domain name of your internet service provider, your “click path” through the website or “click-through” from an email, the website or advertisement that was linked to or from the website when you visited and your IP address. To do this, Keller may use cookies and other technology (see below). Your use of our website and Services, and information provided through these technologies, will be anonymous unless you provide us with personally identifiable information or have provided such information in the past.
Information about Other People
Some of the services on the website may ask you to submit personally identifiable information about other people. For example, you might submit a person’s name and other personally identifiable information if you are interested in a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.
Cookies and Related Technology
The website and some products and services, and associated advertisements, may contain “cookies,” clear gifs (also known as web beacons or web bugs), or similar technology. A cookie is a piece of data that holds information that identifies you to our website, if your computer is enabled to accept cookies. Web beacons assist in the delivery of cookies and the collection of non-personally identifiable information, such as “click path” and other data as described above. In using our website, you agree that we may store a “cookie” on your computer. Our website does not use cookies to retrieve any information from your computer. You agree that we may use cookies, clear gifs, frames, server log analysis and other technologies as they are developed to customize your experience with our website and Products and Services.

USE, DISCLOSURE AND SHARING OF INFORMATION

Personally Identifiable Information
Keller uses information about you to deliver the Information, Products and Services that you request, to keep you informed about changes affecting our Products or Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our website and Services. If you provide Keller with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure. You may opt-out to receive email from us by following the directions in each message to “unsubscribe.” However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your transactional issues, account status, technical support, product information, changes to account terms and any other matter that might affect our service to you and/or any products or services you purchased from us, as applicable. Keller will not share, sell, rent or disclose any personally identifiable information that we have collected except as stated herein, or in the following instances: (i) we have been given your consent to disclose; (ii) we have previously informed you of the disclosure, including by means of our Privacy Policy or on the website, or through the Product or Service where you provided your information; (iii) we are required by law, legal process or court order to disclose; (iv) disclosure is necessary to identify, contact or bring legal action against someone who may cause or be causing harm to, or interference with, Keller’s rights or property, other website users, or anyone else; or (v) to respond to an inquiry, request or complaint that you have made. Keller may also use IP addresses in cooperation with internet service providers to identify users if we deem it necessary to comply with law, to enforce compliance with this Privacy Policy or our Terms of Service, or to protect our website, customers or others. We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services. We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include: Persons or organizations that perform professional, business, underwriting, credit review or other functions for us; your loan broker or originator organization; title and escrow agents; designated vendors associated with your transaction, such as appraisers and insurance agents; and, regulatory and enforcement authorities. We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
Your California Privacy Rights (As provided by California Civil Code Section 1798.83)
A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family or household purposes (“California Customer”) is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. In general, if the business has made such a disclosure of personal information, upon receipt of a request by a California Customer, the business is required to provide a list of all third parties to whom personal information was disclosed in the preceding calendar year, as well as a list of the categories of personal information that were disclosed. However, under the law, a business is not required to provide the above-described lists if the business adopts and discloses to the public (in its privacy policy) a policy of not disclosing customer’s personal information to third parties for their direct marketing purposes unless the customer first affirmatively agrees to the disclosure, as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of personal information and providing a cost-free means to exercise that right. California Customers may request further information about our compliance with this law by e-mailing compliance@kellermortgage.com. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
Contact Us Regarding Privacy
Keller is dedicated to protecting your personally identifiable information and welcomes questions and comments on this Privacy Policy. All questions or comments should be directed to: Keller Mortgage, LLC or by email compliance@kellermortgage.com Keller reserves the right to change this Privacy Policy and its websites’ Terms of Service or Use at any time. All changes will be effective when posted, and your continued use of the website after the posting will constitute acceptance of, and agreement to be bound by, those changes.

Effective Date: Feb. 23, 2017

Privacy Policy California

Overview

Keller Mortgage, LLC which may also do business as Smarter Mortgages and/or Keller Mortgage (“Keller”, “we”, “us” or “our”) respects your privacy and it is important to us. This California Consumer Privacy Act Disclosure for California Residents explains how Keller collects, uses, and discloses personal information relating to California residents and applies solely to all visitors to our website and users of any loan forms, applications or services who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA or the applicable regulation have the same meaning when used in this notice.

This Privacy Notice is not intended to and does not create any contractual or other legal right in or on behalf of Keller with any party. Our general privacy policy is located HERE. This Privacy Notice is intended to supplement Keller’s general policy for California residents and to further clarify your rights and our obligations under the CCPA. Where our general privacy policy and this Privacy Notice differ or conflict, the terms set forth in this Privacy Notice govern.

Information We Collect About You

We collect the following personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, Keller has collected the following categories of personal information from its consumers within the last twelve (12) months:

Category
Examples
Collected

A. Identifiers

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.

YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, or genetic information.

YES

D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

YES

E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

NO

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.

NO

G. Geolocation data.

Physical location or movements.

NO

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

NO

I. Professional or employment-related information.

Current or past job history or performance evaluations.

YES

J. Non-public education information (per the Family Educational Rights & Privacy Act) (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

NO

K. Inferences drawn from other personal information.

Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

NO

Personal information does not include:

  • Publicly available information from government records.
  • De-identified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, such as:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
    Your use of this website or any Services or information derived from this website constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this website are hereby incorporated by reference.

How do we collect your personal information?

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you or your agents through the information or details you/your agents provide to us, to our loan officers, or through our website.
  • Indirectly from you or your agents. For example, through information we collect from you or your agent in the course of providing services to you. Through other service providers that we connect with in order to conduct our business or provide services, government entities from which public records are obtained, or consumer data resellers.
  • Directly and indirectly from activity on our website (https://kellermortgage.com/). We collect your personal information, for example, when you apply for a loan or give us your contact information, employment history, income information, or employment information. We also collect your personal information from other entities, such as credit bureaus.
  • Additionally, your personal information is collected automatically from submissions through our website portal or website usage details.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided. For example, if you share your name and contact information to request a rate price quote or ask a question about our mortgage and our services, we will use that information to process your loan or your pre-approval and submit it to the applicable authorities. We may also save your information to facilitate refinancing your current loan with us, in the future.
  • To provide, support, personalize, and develop our s Website, products, and services.
  • To create, maintain, customize, and secure your account with us, as applicable.
  • To provide you with support and respond to your inquiries, including to investigate and address your concerns and monitor and improve our response.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
  • To personalize your experience of our services and to deliver content and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law).
  • To help maintain the safety, security, and integrity of our services, database and other technology assets, and business for testing, research, analysis, and product development, including to develop and improve our services.
  • For marketing and advertising purposes.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • 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 information held by us is among the assets transferred.
  • As may be set forth in Keller’s Privacy Policy (link to privacy policy).

Keller discloses the personal information in the above categories for business or commercial purposes as set forth in the following section. We do not sell your personal information. However, we may use and disclose certain anonymized information, such as website and mobile application usage data, to our trusteed business partners. Such information may be shared as permitted or required by applicable law.

Keller will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.

Sharing Personal Information

In addition to the uses mentioned or described elsewhere in this Privacy Notice, Keller may disclose your personal information to a third party for a business purpose. Keller may catalog and add collected information to our database which may be shared with our affiliates.

Keller discloses your personal information for a business purpose to the following categories of third parties:

  • Service providers.
  • Application Vendors – provision of tools or applications which are used for Keller’s daily business purposes in order to provide you with services
  • Third Party Service Providers – website development and technology service partners who develop, maintain, and enable technology tools that are used for normal business operations.
  • Affiliated companies with permission.
  • Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
  • Government agencies for regulatory and reporting services.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category D: Commercial information.

Category I: Professional or employment-related information.

In the preceding twelve (12) months, Keller has not sold any personal information subject to the CCPA, including personal information of minors under the age of 16. For purposes of this Privacy Notice, “sold” means the disclosure of personal information to a third-party for monetary or other valuable consideration.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Notice

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months

Right to Access to Specific Information and Data Portability

Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collected about you (also called a data portability request).
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  2. Comply with a legal obligation or regulatory authority requirements to retain the data.
  3. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  4. Debug products to identify and repair errors that impair existing intended functionality.
  5. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  6. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  7. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  8. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

  • Clicking HERE to complete a request form.
  • Alternatively, you can contact a customer service representative by calling (888) 766-2678.

Only you or an authorized agent may make a verifiable consumer request related to your personal information. “Authorized Agent” means a natural person or business entity registered with the California Secretary of State that a consumer has authorize to act on their behalf subject to the requirements. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Keller cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

Keller aims to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Right to Opt Out of Sale Information

We do not sell your personal information. As such, there is no financial incentive for encouraging you to opt in for sale of such information.

Right to Equal Services

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Changes to Our Privacy Notice

Keller Mortgage reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (888) 766-2678

Website: www.kellermortgage.com

Email: compliance@kellermortgage.com

Postal Address:

Keller Mortgage

4725 Lakehurst Drive

Dublin, Ohio 43016