Privacy Policy For Your HT Lender 

ISLAND TRADITION PROPERTIES LLC 

Privacy Policy For Your HT Lender

 

Privacy Policy
Your HT Lender (referred to as “Company,” “us” or “we”) recognizes that your privacy is important.
Effective Date: February 1, 2025

Welcome to Your HT Lender (“Company,” “us,” or “we”).
We value your privacy and are committed to protecting any personal information (“PII”) you provide. This Privacy Policy explains what information we collect, how we use it, and the limited ways in which we handle SMS opt-in data.

By using our website https://www.yourhtlender.com/ (the “Site”) or scheduling a mortgage consultation (the “Service”), you agree to the collection and use of your information in accordance with this Policy. If you do not agree with our practices, please do not use the Site or Service.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

Information sharing to subcontractors in support services, such as customer service is permitted.

All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

 

1. Types of Information We Collect

Personal Information You Provide

  • Consultation Details: When you schedule a mortgage consultation, we may collect your name, email address, phone number, financial information you choose to share, and any additional details required to assess loan eligibility.

Automatically Collected Information

  • Log Data: Our Site may automatically record certain technical information such as your IP address, browser type, and access times.

  • Aggregate Data: We gather non-personal, statistical data (e.g., which pages you visit, how long you stay) to understand general Site usage trends. This aggregate data cannot be used to identify you personally.

2. How We Collect and Use Information

Scheduling: To confirm and manage your mortgage consultation requests.
Communication: To send confirmation, reminder, or follow-up messages regarding your consultation or home financing process.
Loan Guidance: To provide mortgage guidance, interest rate information, documentation requests, and updates during underwriting or approval.
Site Improvement: To evaluate and enhance the functionality of our Site and Service.
User Support: To provide customer service or technical assistance upon your request.

We do not sell, trade, or rent your personal information to any third parties. We do not share your personal information with anyone outside our organization unless required by law.

3. Opted-In SMS Messaging & Compliance

If you choose to receive SMS notifications or updates from us:

Opt-In Consent

You may voluntarily opt in to receive text messages. You can opt out at any time by texting STOP to +1 321-459-6886. You can also opt out whenever you want by contacting us directly.

Purpose

We use your phone number only to send SMS related to your mortgage consultation or other service updates you have requested, including:

  • Appointment confirmations

  • Pre-approval or documentation requests

  • Loan status updates

  • Closing reminders

  • Industry rate alerts if requested

By opting into our SMS messaging services, you agree to receive text messages related to mortgage services.

  • You will only receive messages if you have explicitly opted in

  • We maintain timestamped records of all opt-in actions

  • We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions

  • You can cancel SMS notifications at any time by replying "STOP"

  • You will receive a final confirmation message, and no further messages will be sent unless you re-opt in

  • All opt-out requests are processed within 24 hours

Message Frequency & Content

  • Message frequency varies based on your interactions with our business

  • Messages will be directly related to the mortgage services you have requested

  • We do not send promotional content without specific consent

Help & Support

  • Reply "HELP" for assistance or contact us at +1 321-459-6886

  • Customer support is available during regular business hours

Carrier Information

  • Standard message and data rates may apply

  • Carriers are not liable for delayed or undelivered messages

  • Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers

SMS Data Protection Statement

Your SMS opt-in data and consent records are never shared with third parties.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

4. Data Security

We take data security seriously and have implemented industry-standard measures to protect your personal information from unauthorized access, alteration, or disclosure:

  • Encryption & Safeguards (HTTPS/SSL)

  • Restricted access for authorized personnel

  • No sharing outside the organization unless required by law

  • Retention only as long as necessary

Other measures:

  • Secure authentication controls

  • Regular security assessments

  • Employee training

  • Breach notification protocols

  • Secure backup / disaster recovery

Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.

5. Cookies and Tracking Technologies

We may use cookies and tracking technologies to improve site functionality and personalize your experience.

  • Cookies: Small text files storing preferences or tracking activity

  • Purpose: Understand visitor interactions, improve functionality

  • Control: You may disable cookies in your browser

Some features may not function properly if cookies are disabled.

6. Your Rights & Choices

You have the right to:

  • Access, update, or delete personal information

  • Opt-out of marketing emails (“unsubscribe” link)

  • Opt-out of SMS by replying STOP

  • Request information on how your data is processed

  • Withdraw consent at any time

  • File a complaint with a supervisory authority

To exercise these rights, contact us using the information in Section 9.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices. This privacy policy applies only to information collected by Your HT Lender.

8. Changes to This Privacy Policy

We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or website notice.

9. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us at:

Your HT Lender

You may contact the Registered Agent of Your HT Lender
Registered Agent: Linda Shinpaugh
Phone: +1 321-459-6886
Email: [email protected]
Website: https://www.yourhtlender.com/

By using our website and services, you consent to this Privacy Policy.