PRIVACY POLICY

 
 

Privacy Policy
Effective Date: 04/17/2025
Last Updated: 04/17/2025

  1. Introduction

Welcome to Tag Lending Group ("Company", "we", "our", or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our websites https://www.taglendinggroup.com and https://taglendinggroup.com, use our services, or interact with our content, whether as a borrower, lead, or affiliate.

By using our services or accessing our websites, you agree to the practices described in this Policy. This policy complies with applicable federal laws including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), RESPA, TILA, SAFE Act, UDAAP guidelines issued by the CFPB, and state-specific privacy laws such as the CCPA/CPRA, VCDPA, and NJ Data Privacy Act.

  1. Definitions

All capitalized terms used in this Privacy Policy have the same meanings as in our Terms and Conditions unless otherwise defined.

  • Service refers to our websites and related offerings.

  • Personal Data refers to any information relating to an identified or identifiable natural person.

  • Nonpublic Personal Information (NPI) means personally identifiable financial information as defined under GLBA.

  • Usage Data refers to data collected automatically.

  • Cookies are small data files stored on your device.

  • Data Controller is the entity that determines the purpose and means of processing your Personal Data.

  • Data Processor is the entity that processes data on behalf of the Controller.

  • Data Subject/User means the individual whose data is being collected.

  1. Types of Information We Collect

We collect various types of data, including:

  • Full Name, Email, Phone Number

  • Residential Address

  • Financial, credit, and employment data

  • Government-issued IDs

  • IP addresses, cookies, device identifiers

  • Loan application and mortgage-related data

  1. How We Collect Data

  • Directly from you via form submissions, phone calls, or email

  • Through partner real estate agents, mortgage brokers, and lead platforms

  • Automatically through website analytics, cookies, and CRM integrations (e.g., HubSpot)

  1. Use of Personal Data

We use your data to:

  • Offer, originate, and service mortgage products

  • Evaluate creditworthiness and process applications

  • Fulfill legal and regulatory obligations

  • Enhance service delivery and improve UX

  • Prevent fraud, identity theft, and unauthorized access

  1. Cookies and Tracking Technologies

We use:

  • Session and Persistent Cookies

  • HubSpot, Facebook Pixel, and Google Analytics

  • Do Not Track browser signals are honored

  1. Retention of Data

We retain NPI and Personal Data for a minimum of 7 years, or longer if required by:

  • State retention rules (e.g., FL, TX, GA, PA, NJ)

  • Federal oversight (CFPB, IRS, FHA, VA, FNMA/FHLMC)

  1. Sharing Your Information

We may share your data with:

  • Title and escrow companies

  • Credit bureaus and loan investors

  • Third-party processors and underwriters

  • State and federal regulatory bodies

  • Marketing and remarketing service providers

  1. Third-Party Services

Vendors must:

  • Sign confidentiality and non-use agreements

  • Maintain cyber liability and privacy breach coverage

  • Comply with GLBA, FCRA, and applicable mortgage lending rules

  1. Security Safeguards

We utilize:

  • SOC2-level cloud infrastructure

  • Encryption of PII and NPI in transit and at rest

  • MFA, firewalls, access control lists

  • Annual employee training on privacy and UDAAP compliance

  1. Red Flags & Identity Theft Program

We comply with FTC Red Flag Rules and FACTA. Red flag indicators are monitored across origination, processing, and servicing pipelines.

  1. Consumer Rights & Disclosures (Federal)

Per GLBA and FCRA, you have:

  • Right to access your NPI

  • Right to opt-out of marketing

  • Right to request information on disclosures

  1. State Rights (CCPA/CPRA, NJ, VA, CT, CO, UT, etc.)

You have the right to:

  • Know what we collect and why

  • Request deletion or correction

  • Request restriction or opt-out of data sale/share

  • Designate an agent to act on your behalf

Submit requests at privacy@taglendinggroup.com

  1. Data Transfers and U.S.-Only Processing

We do not transfer your data internationally. All processing occurs on secure U.S.-based servers.

  1. Behavioral Remarketing

We use remarketing tools including:

  • Google Ads

  • Meta/Facebook

  • LinkedIn Ads

Each platform’s opt-out links are listed in the original policy.

  1. HubSpot & CRM Systems

Tag Lending Group is a certified HubSpot Partner. Data is stored under secure permissions-based workflows and lifecycle stages are documented for compliance.

  1. Use of Automated Decisioning/AI Tools

We may use AI to:

  • Assist in lead scoring

  • Pre-qualify loan applications

  • Enhance fraud detection No final lending decision is made solely by AI.

  1. Payments

All online payments are handled by PCI-DSS compliant vendors. We do not store payment card details.

  1. External Links

Our site may contain links to other websites. We are not responsible for their privacy practices.

  1. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

  1. Changes to This Privacy Policy

We will notify you of changes via this page, email, or website banner. You are encouraged to review regularly.

  1. Contact Us

Email: info@taglendinggroup.com
Mail: Tag Lending Group, 335 S. Biscayne Blvd Suite 2809, Miami, FL 33131