Onshore Mortgage License Numbers & Privacy Policy

Last updated: Jan 11th, 2025

Thank you for visiting Onshore Mortgage, LLC. Your privacy is important to us, and we are committed to protecting your personal information. This Privacy Policy outlines the types of information we collect, how we use it, with whom we share it, and the choices you have regarding our use of this information. Additionally, we describe the measures we take to safeguard your information and how to contact us with any concerns.

This policy applies to personal information collected through this website, affiliated applications, and other digital collection points linked to this policy (collectively, the "Site"). Depending on your interaction with us, additional privacy policies or notices may apply, particularly concerning financial products, services, or specific state regulations.

We are committed to being your most trusted advocate in your pursuit of a low-rate mortgage.

1. Information We Collect

We may obtain the following types of personal information when you choose to provide it through our Site:

• Contact Information: Name, phone number, mailing address, and email address.
• Account Information: Loan number, Social Security number (when registering for an account), and login credentials (username and password).
• Financial Information: Payment details and account numbers when making a transaction.
• Employment Information: Education, work history, military status, and legal work eligibility.
• User-Provided Content: Any personal details you submit through our Site.
  

Additionally, we may collect certain data automatically through cookies and web beacons, including:

• Device & Browser Data: IP address, browser type, operating system, and device details.
• Account Information: Loan number, Social Security number (when registering for an account), and login credentials (username and password).
• Usage Information: Referral URLs, page interactions, and timestamps of visits.
• Tracking Technologies: "Cookies" (text files stored on your browser) and "web beacons" (pixel tags that monitor user activity) help us analyze site performance and improve your experience.

You can manage cookie preferences through your browser settings; however, disabling cookies may limit your use of certain site features.

2. How We Use The Information We Obtain

We use the information collected to:

• Create and manage your account.
• Offer loan products and services to you.
• Process payments and facilitate transactions.
• Communicate with you regarding promotions, surveys, events, and inquiries.
• Improve and develop our products, services, and marketing efforts.
• Conduct research, data analysis, and trend monitoring.
• Manage career opportunities and job applications.
• Detect, prevent, and respond to fraud, security risks, or legal violations.
• Comply with legal and regulatory obligations.

Additionally, data collected through cookies and similar technologies help us enhance your user experience, personalize content, and diagnose technical issues.
We also may use the information we obtain about you in other ways for which we provide specific notice at the time of collection.

3. Information Sharing

We do not sell your personal information. However, we may share information under the following circumstances:

• With Third-Party Service Providers: We share data with lenders, payment processors, and technology partners to facilitate mortgage services on our behalf. These parties are prohibited from using your information for any other purpose.
• Legal Requirements: We may disclose information if required by law, legal process, or to comply with regulatory requests.
• Protection of Rights: If necessary, we may disclose information to prevent fraud, financial loss, or harm to Onshore Mortgage, LLC or its users.
• Business Transactions: In the event of a merger, sale, or reorganization, your information may be transferred as part of the business assets.

4. Your Choices and Controls

You have options regarding how your information is used:

• Marketing Preferences: You can opt out of receiving promotional emails by following the unsubscribe instructions in our communications or contacting us directly.
• Account Updates: To update your personal information, please reach out to us as specified in the "How to Contact Us" section.

5. Security Measures

We implement technical and organizational measures to protect your personal information, including:

• SSL Encryption: Ensures secure transmission of sensitive data.
• Firewall & VPN Protection: Restricts unauthorized access.
• Multi-Factor Authentication (MFA): Adds an extra layer of security.
• Secure Data Storage: Personal information is stored in password-protected databases with restricted access.
• Annual Security Audits: Our loan software undergoes regular security evaluations, meeting industry standards set by Fannie Mae & Freddie Mac. Starting since its inception, WEI Technology LLC has been publishing their Service Organization SOC 2 report, a comprehensive third-party review that certifies they meet one of the highest standards for security, availability & confidentiality controls in the mortgage industry. The examination included the controls related to the Trust Services Principles and Criteria of Security, Availability and Confidentiality of their Software-as-a-Service (SaaS) offerings.
  

Despite these measures, no system is completely immune to security threats. You play a role in safeguarding your data by keeping your account credentials private.

6. Cookies & Tracking Technologies

Cookies enhance your browsing experience by remembering login details and preferences. We also use cookies to analyze website traffic and personalize content. You can disable cookies through browser settings, but this may impact site functionality.

7. Children's Privacy

Our Site is intended for general audiences and is not directed at children under 13. We do not knowingly collect personal information from minors. If we become aware of such collection, we will promptly delete the data. If you believe a child has provided us with personal information, please contact us immediately.

8. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on our Site with an updated "Effective Date." If significant changes occur, we will notify users through appropriate channels.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or wish to update your information, please contact us at:
Mailing address: (for documents only)
Onshore Mortgage
82 County Road
Mattapoisett, MA 02739
Email: Grant@OnshoreMortgage.com

10. Company and Personal Loan Officer Licenses

Onshore Mortgage, LLC. NMLS #1995582
Licensed as a Mortgage Broker by Massachusetts Division of Banks  NMLS# MB1995582
Licensed by the Rhode Island Division of Banking NMLS #20214235LB

Originator / Mortgage Advisor: Grant R. Menard NMLS MLO # 17308

By using our Site, you agree to the terms outlined in this Privacy Policy. Thank you for trusting Onshore Mortgage, LLC with your personal information.