Privacy Policy

Introduction

Easy Home Loans LLC, doing business as Clavis Capital Group ("Company," "we," "us," or "our"), is a licensed mortgage brokerage and correspondent lender. We are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you visit our website (claviscapitalgroup.com), submit a loan inquiry, or engage our services.

By using our website or submitting information to us, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use our website or submit your information.

Information We Collect

We collect information you provide directly to us, including:

• Contact information: Name, email address, phone number, and mailing address
• Financial information: Income, employment status, credit range, loan amount, and property details you provide in loan inquiry forms
• Identity information: Date of birth, Social Security Number, government-issued ID — collected during the formal loan application process, not through web forms
• Property information: Property address, estimated value, intended use, and ownership status
• Communications: Information you provide when you contact us by phone, email, or through our website

We also collect certain information automatically when you visit our website:

• IP address, browser type, operating system, and referring URL
• Pages visited, time on site, and links clicked
• Device identifiers and cookie data (see "Cookies" section below)

How We Use Your Information

We use the information we collect to:

• Respond to your loan inquiry and provide mortgage lending services
• Process and underwrite loan applications
• Communicate with you about your inquiry, application, or loan
• Send you information about loan programs, rates, and services you may be interested in
• Comply with federal and state legal obligations, including those under the Bank Secrecy Act, the Equal Credit Opportunity Act, and other applicable regulations
• Improve our website and services
• Prevent fraud and unauthorized activity
• Fulfill any other purpose for which you provide it

How We Share Your Information

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

• Lending partners: We share your loan application information with wholesale lenders, correspondent investors, and other financial institutions as necessary to process and fund your loan. This is an inherent part of the mortgage origination process.
• Service providers: We work with third-party service providers (CRM platforms, loan origination systems, marketing platforms) who process information on our behalf and are bound by appropriate confidentiality and data security obligations.
• Credit bureaus: With your authorization, we submit inquiries to consumer reporting agencies to obtain your credit report.
• Legal requirements: We may disclose information when required by law, regulation, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights or the safety of others.
• Business transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and collect analytics data. We may use the following types of cookies:

• Essential cookies: Required for the website to function properly
• Analytics cookies: Help us understand how visitors interact with our site (e.g., Google Analytics)
• Marketing cookies: Used to deliver relevant advertising, including through Meta (Facebook) Pixel and similar tools

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our website.

Meta Pixel and Advertising

We use the Meta Pixel on our website to measure the effectiveness of our advertising campaigns and to show relevant ads to users who have visited our site. This technology may collect and transmit certain information about your website activity to Meta Platforms, Inc. For information about Meta's data practices, please visit Meta's Privacy Policy. You can opt out of personalized advertising through aboutads.info.

Data Security

We implement reasonable 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. We cannot guarantee absolute security of your information.

Sensitive financial and identity information submitted as part of a formal loan application is processed through secure, encrypted systems in compliance with applicable regulatory requirements.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with our legal obligations. Mortgage loan records are subject to retention requirements under federal and state law, which may require us to retain certain records for a minimum of 3–7 years.

California Privacy Rights (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You may request information about the personal information we have collected about you and how it has been used and shared.
• Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt out of the sale of your personal information. We do not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your California privacy rights, contact us using the information below. We will respond to verified requests within 45 days.

Note: Certain information collected in connection with a mortgage loan application may be exempt from CCPA as it is governed by the Gramm-Leach-Bliley Act (GLBA) and other federal financial privacy laws.

Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date at the top of this page. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.

Contact Us

For questions about this Privacy Policy, to exercise your privacy rights, or to opt out of marketing communications, contact us at:

• Company: Easy Home Loans LLC DBA Clavis Capital Group
• Address: 1820 E Garry Ave #203, Santa Ana, CA 92705
• Phone: (949) 408-7969
• Email: info@claviscapitalgroup.com
• NMLS#: 2343894

Easy Home Loans LLC DBA Clavis Capital Group | NMLS# 2343894 | Licensed by the California Department of Financial Protection and Innovation (DFPI) | Licensed by the Florida Office of Financial Regulation | This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.