Privacy Policy

Introduction

Apex Capital Mortgage, LLC(“Apex Capital,” “we,” “our,” or “us”) is a Texas mortgage company. We are committed to protecting your privacy and handling your personal and financial information responsibly. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and how you can exercise your privacy rights.

By visiting this website, submitting a loan inquiry, or communicating with us by telephone, text message, or email, you acknowledge that you have read and understood this policy.

Information We Collect

Information You Provide Directly

When you submit our loan application or contact form, request a rate quote, or otherwise communicate with us, we collect the information you provide, which may include:

• Full legal name, residential address, mailing address, and date of birth
• Phone number(s) and email address, including mobile numbers used for text (SMS) communication
• Social Security number or Individual Taxpayer Identification Number (ITIN), as required for a mortgage application
• Employment information: employer name, address, income, and employment history
• Asset and liability information: bank accounts, investment accounts, existing mortgage balances, and other debts
• Property information: address, estimated value, purchase price, and intended use
• Government-issued identification as required for identity verification
• Any other information you voluntarily provide in connection with a loan inquiry or application

Information Collected Automatically

When you visit our website, our servers and third-party analytics tools collect certain technical information automatically, including:

• Internet Protocol (IP) address and approximate geographic location derived from it
• Browser type and version, operating system, and device identifiers
• Pages viewed, time spent on pages, referring URLs, and navigation paths
• Cookies and similar tracking technologies (see below)

Cookies and Analytics

We use cookies, pixel tags, and similar technologies to operate the website, remember your preferences, and understand how visitors use our site. We may use Google Analytics or comparable services to aggregate usage data. These tools may set their own cookies subject to their own privacy policies. You can disable cookies in your browser settings; doing so may limit some site functionality. We do not respond to browser “Do Not Track” signals at this time because no uniform standard exists.

How We Use Your Information

We use the information we collect to:

• Process and underwrite your mortgage loan application and communicate with you about its status
• Verify your identity, income, assets, and creditworthiness as required by applicable law and investor guidelines
• Contact you by phone, text message, or email in response to your inquiry or regarding your application
• Send informational and marketing communications about mortgage programs, rates, and related services, subject to your opt-out rights described below
• Comply with federal and state legal obligations, including anti-money-laundering (AML) and Know Your Customer (KYC) requirements
• Improve our website, products, and services through analytics and user research
• Prevent fraud and protect the security of our systems

Phone and Text Message Communication (TCPA)

When you provide your phone number through our website and consent to contact, you authorize Apex Capital Mortgage, LLC and its loan officers to contact you at that number using autodialed calls, prerecorded voice messages, and text (SMS) messages, even if the number is registered on a federal or state Do Not Call registry. Standard message and data rates charged by your mobile carrier may apply. Message frequency varies based on the status of your inquiry.

You may revoke this consent at any time by replying STOP to any text message we send, or by contacting us at hello@apexcapitalmortgage.com or (210) 815-4959. Opting out of marketing texts will not affect our ability to send you transactional messages (for example, messages necessary to process a loan application you have submitted).

Consent to receive autodialed or prerecorded calls or texts is not a condition of obtaining a mortgage loan or any other product or service from us.

GLBA Financial Privacy Notice

Federal law gives consumers the right to limit some, but not all, sharing of their nonpublic personal financial information. The Gramm-Leach-Bliley Act (GLBA) requires us to tell you how we collect, share, and protect your information.

Why We Share Financial Information

All financial companies need to share customers’ personal financial information to run their everyday business. In the section below we list the reasons financial companies can share their customers’ personal financial information, the reasons Apex Capital Mortgage chooses to share, and whether you can limit that sharing.

• For everyday business purposes (such as to process your transactions, maintain your account, respond to court orders, and report to credit bureaus): We share. You cannot limit this sharing.
• For our marketing purposes (to offer our products and services to you): We share. You can limit this sharing by contacting us as described in the opt-out section below.
• For joint marketing with other financial companies: We do not share.
• For our affiliates’ everyday business purposes (information about your transactions and experiences): We do not share.
• For nonaffiliates to market to you: We do not share.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and buildings.

Third Parties and Service Providers

We may share your information with third parties in the following circumstances:

• Loan processing and underwriting: Investors, warehouse lenders, appraisers, title companies, and other parties necessary to process and close your loan
• Credit reporting agencies: We obtain credit reports from one or more of the three major bureaus (Equifax, Experian, TransUnion) as part of the loan application process
• Technology and service providers: Cloud hosting, loan origination software, e-signature, and CRM vendors who process data on our behalf under confidentiality agreements
• Legal and regulatory compliance: Government agencies, law enforcement, or as required by subpoena, court order, or applicable law
• Business transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as a business asset

We do not sell your personal information to data brokers or unaffiliated third parties for their own marketing purposes.

Do Not Call and Opt-Out Rights

You may request that we stop sending you marketing communications by any of these methods:

• Text messages: Reply STOP to any marketing text we send
• Email: Click the unsubscribe link in any marketing email, or email us at hello@apexcapitalmortgage.com
• Phone: Call or write to us at the contact information below and request placement on our internal Do Not Call list

We honor the National Do Not Call Registry administered by the Federal Trade Commission. If your number is registered there, we will not call for marketing purposes unless you have given us prior express written consent. Internal do-not-call requests are honored within 30 days and remain in effect for five years.

Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These include encryption of data in transit and at rest, access controls limiting information to personnel who need it to perform their duties, and vendor due diligence for service providers who handle consumer data on our behalf.

No method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially reasonable means to protect your information, we cannot guarantee absolute security.

Children’s Privacy

Our website and services are intended for adults seeking mortgage financing. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such information, we will delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.

Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us: