Effective date: 11/24/2024

Welcome to https://www.hardworkingmortgageguy.com (the "Website"), operated by NATIONS LENDING. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Website. Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Website.

Last modified: January 11, 2024

Introduction

Nations Lending Corporation

("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.nationslending.com (our

"Website"

) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this Website.In email, text, and other electronic messages between you and this Website. It does not apply to information collected by:Us offline or through any other means, including on any other website operated by Company or any third party; orAny third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at:

4 Summit Park Drive, Suite 200

Independence, OH 44131

[email protected]

(888) 434-4690

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see

Your State Privacy Rights

for more information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

By which you may be personally identified, such as name, postal address, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline ("personal information");That is about you but individually does not identify you; and/orAbout your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

Directly from you when you provide it to us.Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies.

Information You Provide to Us.

The information we collect on or through our Website may include:

Information that you provide by filling in forms on our Website. We may also ask you for information when you report a problem with our Website.Records and copies of your correspondence (including email addresses) if you contact us.

You also may provide information to be published or displayed (hereinafter,

"posted"

) on public areas of the Website or transmitted to other users of the Website or third parties (collectively,

"User Contributions"

). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including communication data and the resources that you access and use on the Website.Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is only statistical data and does not include personal information. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.Store information about your preferences, allowing us to customize our Website according to your individual interests.Speed up your searches.Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.To provide you with information, products, or services that you request from us.To fulfill any other purpose for which you provide it.To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.To notify you about changes to our Website or any products or services we offer or provide though it.In any other way we may describe when you provide the information.For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Nations Lending Corporation's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Nations Lending Corporation about our Website users is among the assets transferred.To third parties to market our products or services to you.To fulfill the purpose for which you provide it.For any other purpose disclosed by us when you provide the information.We may also disclose your personal information:To comply with any court order, law, or legal process, including to respond to any government or regulatory request.If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Nations Lending Corporation, our customers, or others.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising.You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (

"NAI"

) on the NAI's

website.

Your State Privacy Rights

If you are a California, Nevada, Colorado, Virginia, or Utah resident, your state's laws may provide you with additional rights regarding our use of your personal information.

This Website does not collect information subject to California's "Shine the Light" law (Civil Code Section § 1798.83).

Colorado, Virginia and Utah each provide their state residents with rights to:

Confirm whether we process their personal information.Access and delete certain personal information.Data portability.Opt-out of personal data processing for targeted advertising and sales.

Colorado and Virginia also provide their state residents with rights to:

Correct inaccuracies in their personal information, taking into account the information's nature processing purpose.Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

This Website does not collect information subject to these rights.

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to the addresses designated in the Contact Information section: However, please know this Website does not currently collect data triggering that statute's opt-out requirements.

Links to Other Sites

This Website may contain links to websites operated by other organizations, including websites operated by our third-party service providers and other third parties. In some cases, we may embed a content feed, video player, or other application from a third party into the Website, and those feeds, players, or other applications may appear to be part of the Website even though provided or served by a third party. If you access another website or any such service, this Policy does not apply to Personal Information collected on any of these third-party websites. When you access third-party websites through a link on the Website, please take a few minutes to review the privacy policy posted on that site as the operators of those sites may collect information from you, or place cookies or other tracking devices to be used by them in accordance with their own privacy policies, which may differ from ours. We are not responsible for, do not endorse, nor control the policies or practices of any such third-party website or service.

Contests and sweepstakes

We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account and/or by mail. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: Nations Lending Corporation

4 Summit Park Drive, Suite 200

Independence, OH 44131

Attn: Customer Service

or by email at:

[email protected]

or via our toll-free number:

(888) 434-4690

Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected].

By using our Website, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, please do not use our Website. Your continued use of the Website following the posting of changes to this Privacy Policy will be deemed your acceptance of those changes.