Safeguarding your privacy is important to us. This Online Privacy Policy explains how Morgan Financial Services LLC collects, uses, shares, and protects nonpublic personal information ("NPI") and personal information obtained through our website, www.jeffmorganlends.com, in connection with providing mortgage-related products and services.
We maintain administrative, technical, and physical safeguards designed to protect the confidentiality and security of your information and to comply with applicable federal and state privacy laws.
Information We Collect
Information You Provide Directly
We collect information you voluntarily provide through online forms, loan applications, email inquiries, phone conversations, or other interactions with us. This may include, but is not limited to:
Name, address, phone number, and email address
Date of birth
Social Security number or other government-issued identifiers
Employment and income information
Asset, credit, and financial information
Information related to mortgage inquiries or applications
Information About Your Transactions With Us
We may collect information regarding your interactions and transactions with us, including:
Loan inquiry and application details
Account history and status
Communications and correspondence
Records of services provided
SMS Policy
You must be 18 years of age or older to use SMS services.
Carriers are not liable for delayed or undelivered messages
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
Opting in to our sms services is done via the contact page on our site https://jeffmorganlends.com/contact-us. The consent for customer care messaging is entirely optional and not required for our services.
The messages you should expect to receive after opting in to our sms program contain customer support messaging from Morgan Financial Services LLC about requested information on loan programs and processes relating to obtaining a home mortgage. This may include alerts and notifications.
Information From Third Parties
We may obtain information from third parties in connection with evaluating and processing your mortgage request, including:
Credit reporting agencies
Employers
Financial institutions
Verification and identity-authentication providers
Service providers assisting with mortgage processing
Website & Technical Information
When you visit our website, we may automatically collect certain technical information, including:
IP address
Device type and operating system
Browser type
Pages viewed and interactions with forms
Date and time of access
Cookies and Tracking Technologies
Our website uses cookies, pixels, tags, analytics tools, and similar tracking technologies to:
Enable core website functionality
Analyze website usage and performance
Improve security and user experience
We may use third-party analytics and technology providers, including Google Analytics, Meta/Facebook tracking tools, and CRM or marketing automation platforms. These providers may collect information in accordance with their own privacy policies.
You may control cookie preferences through your browser settings. Disabling cookies may limit certain website features.
How We Use Your Information
We use personal information and nonpublic personal information (NPI) for purposes including:
Responding to inquiries and requests
Providing mortgage products and services
Verifying identity and submitted information
Processing applications and evaluating eligibility
Communicating regarding your loan or inquiry
Maintaining internal records and audit trails
Complying with legal, regulatory, and reporting obligations
Detecting and preventing fraud or unauthorized access
Improving website performance, functionality, and security
Information We Share
We do not sell personal information and do not share personal information for marketing purposes with non-affiliated third parties.
We may disclose information, as permitted or required by law, to:
Service providers assisting with mortgage processing, underwriting, closing, servicing, or compliance
Credit reporting agencies
Investors, lenders, or secondary market participants
Government agencies, regulators, and law enforcement authorities
Technology, hosting, data security, and website service providers
All service providers are required to maintain the confidentiality of information and use it only for authorized purposes.
Data Retention
We retain personal information and nonpublic personal information (NPI) only as long as reasonably necessary to:
Fulfill the purposes for which the information was collected
Comply with legal, regulatory, and record-retention requirements
Mortgage-related records may be retained for up to five (5) years or longer if required by law.
Data Security
We employ reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. These safeguards include secure systems, restricted access, encryption where appropriate, and internal compliance procedures.
Despite our efforts, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Third-Party Links
Our website may contain links to third-party websites. We do not control and are not responsible for the content, security, or privacy practices of those sites. We encourage you to review the privacy policies of any third-party websites you visit.
Children’s Privacy
Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that information has been collected from a child under 13, we will take appropriate steps to delete it.
Your Privacy Rights
General Rights
You may request access to, correction of, or information about the personal data we maintain about you by contacting us using the information below.
Do Not Track Signals
Our website does not currently respond to “Do Not Track” browser signals. However, we do not sell personal information or engage in targeted advertising based on cross-site tracking.
Contact Information
If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact:
Morgan Financial Services LLC
Phone: 865-268-8785
Email: compliance@jeffmorganlends.com
Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.