Privacy

Effective Date: January 1, 2026
Last Updated: January 1, 2026

Introduction
Think Home Loans Inc. (“Think Home Loans,” “Company,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard personal information through www.thinklowrates.com (the “Website”), in our offices, and in connection with our mortgage lending services.

1. Categories of Personal Information We Collect (Past 12 Months)
Identifiers: Name, Postal address, Email address, Telephone number, IP address, Online identifiers, Social Security number, Driver’s license or government ID.

Personal Information under Cal. Civ. Code §1798.80(e): Financial account information, Credit history, Mortgage loan details, Property information.

Protected Classification Characteristics: Age, Marital status.

Commercial Information: Records of mortgage inquiries and transactions.

Internet or Network Activity: Browser type, Device information, Website usage data, Cookies and tracking technologies.

Geolocation Data: Approximate location derived from IP address.

Professional or Employment Information: Employer name, Income information, Employment history.

Sensitive Personal Information: Social Security number, Financial account information, Government identification numbers, Precise financial and credit data.

2. Sources of Personal Information
We collect personal information from you directly, credit reporting agencies, service providers, public records, website analytics tools, and third-party lead sources.

3. Purposes for Collecting and Using Personal Information
We use personal information to process mortgage applications, underwrite and qualify loans, verify identity, prevent fraud, comply with lending laws, communicate with borrowers, service loans, improve website functionality, maintain security, and meet legal requirements.

4. Disclosure of Personal Information
We may disclose personal information to lenders and investors, credit reporting agencies, mortgage insurance companies, title and escrow companies, appraisal companies, compliance and auditing vendors, IT and cloud service providers, and legal or regulatory authorities.

5. Sale or Sharing of Personal Information
We do not sell personal information and do not share personal information for cross-context behavioral advertising.

6. Retention of Personal Information
We retain personal information as long as necessary to complete transactions, comply with regulations, resolve disputes, and enforce agreements. Mortgage records may be retained for periods required by federal lending regulations.

7. Your Privacy Rights (California Residents)
California residents have the right to know what personal information is collected, request deletion (subject to legal exceptions), request correction, limit use of sensitive personal information, opt-out of sale or sharing (we do not sell), and receive non-discriminatory treatment for exercising privacy rights.

8. How to Submit a Privacy Request
Phone: 800-910-4433
Email: info@thinklowrates.com
Mail: Think Home Loans Inc., 8354 Northfield Blvd. Suite 3700, Denver, CO 80238.
We may verify your identity before fulfilling requests. Authorized agents may submit requests on your behalf.

9. Gramm-Leach-Bliley Act (GLBA) Notice
Think Home Loans Inc. is subject to the GLBA. Certain financial information may be exempt from certain provisions of the CCPA.

10. Website Data and Cookies
We collect non-personal information such as IP address, browser type, device type, and page visits. Cookies may be used to improve website functionality.

11. Security
We implement reasonable administrative, technical, and physical safeguards including encryption, secure servers, and access controls.

12. Legal Compliance
We may disclose personal information when required by law or legal process.

13. Updates to This Policy
We review and update this Privacy Policy at least annually and when practices change. Updates will be posted with a revised effective date.