Privacy Policy

Introduction

Omni 18 Funding Corp ("Omni 18 Funding," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://www.omni18funding.com or submit a mortgage application or inquiry through our platform.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our website.

Information We Collect

Personal Information You Provide

When you submit a contact form, request a consultation, or complete a mortgage application (Form 1003), we may collect:

• Full name, date of birth, and Social Security Number
• Contact information (email address, phone number, mailing address)
• Employment and income information
• Asset and liability details
• Property and loan information
• Government-issued identification details
• Demographic information required by federal law (HMDA)

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• IP address and browser type
• Pages visited and time spent on each page
• Referring website or search terms
• Device type and operating system
• Cookie and session data

How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your mortgage application
• To communicate with you about your loan inquiry or application status
• To comply with federal and state lending laws, including RESPA, TILA, ECOA, HMDA, and the Fair Housing Act
• To verify your identity and prevent fraud
• To improve our website, products, and services
• To send you relevant information about mortgage products and rates (with your consent)
• To respond to your questions, comments, or requests

Sharing Your Information

We do not sell your personal information. We may share your information with:

• Lenders and Wholesale Partners: To submit your loan application and obtain financing on your behalf.
• Credit Bureaus: To obtain credit reports as part of the mortgage underwriting process.
• Title and Settlement Companies: To facilitate the closing of your loan.
• Service Providers: Third-party vendors who assist us in operating our website and conducting our business, subject to confidentiality agreements.
• Regulatory Authorities: As required by applicable law, court order, or government regulation.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors are coming from. You may choose to disable cookies through your browser settings; however, doing so may affect certain features of our website.

We use a cookie consent banner to obtain your permission before placing non-essential cookies. You may update your cookie preferences at any time.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of sensitive data in transit (SSL/TLS), access controls, and secure data storage practices.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information, subject to legal retention requirements
• The right to opt out of marketing communications at any time
• The right to know whether your personal information is being sold (we do not sell personal information)

To exercise any of these rights, please contact us using the information provided below.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations (including federal mortgage record-keeping requirements), resolve disputes, and enforce our agreements. Mortgage application records are typically retained for a minimum of three (3) years as required by federal law.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any material changes by updating the "Last updated" date at the top of this page. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: