Privacy Policy

Introduction

Presidential Bank Mortgage ("we," "us," or "our"), operating as We Are Beyond A Bank, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our website or submitting information to us, you consent to the practices described in this policy. If you do not agree with the terms of this policy, please do not access our website or provide us with your personal information.

Information We Collect

We may collect information about you in a variety of ways, including:

Personal Information You Provide

• Name, email address, phone number, and mailing address
• Financial information related to mortgage inquiries (income, employment, credit information)
• Information submitted through contact forms, lead forms, or appointment requests
• Documents uploaded for loan processing purposes

Information Collected Automatically

• Browser type, operating system, and device information
• IP address and approximate geographic location
• Pages visited, time spent on pages, and navigation patterns
• Referring website or search terms used to find us
• Cookies and similar tracking technologies (see Cookie Policy below)

How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide mortgage-related information
• To process and evaluate mortgage applications and loan requests
• To communicate with you about your account, application status, or our services
• To improve our website, services, and customer experience
• To comply with legal and regulatory requirements applicable to mortgage lending
• To send marketing communications (with your consent, where required)
• To detect and prevent fraud or unauthorized access

Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Service providers: Third parties who assist us in operating our website, processing applications, or providing services (e.g., credit reporting agencies, title companies, appraisers)
• Legal compliance: When required by law, regulation, legal process, or governmental request
• Business transfers: In connection with a merger, acquisition, or sale of assets
• With your consent: When you have given us explicit permission to share your information

Gramm-Leach-Bliley Act (GLBA) Compliance

As a mortgage lender, we are subject to the privacy provisions of the Gramm-Leach-Bliley Act. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. We limit access to your information to those employees and service providers who need it to perform their job functions.

Cookie Policy

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

• You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly
• You may request access to, correction of, or deletion of your personal information by contacting us
• You may disable cookies through your browser settings
• California residents may have additional rights under the CCPA

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.

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 we become aware that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

Contact Us

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