Privacy Policy

Effective Date: May 15, 2024

At Unik Filen, we are deeply committed to protecting your privacy and the security of your personal information. As a knowledgeable and reassuring guide in your mortgage journey, we understand the trust you place in us. This Privacy Policy outlines how Unik Filen collects, uses, and safeguards your personal data, ensuring transparency in our practices and respecting your rights.

Our goal is to demystify complex processes, and that extends to how we handle your information. We believe a clear and understandable Privacy Policy empowers you to make informed decisions about sharing your data with us.

1. Information We Collect

To provide you with tailored mortgage solutions and excellent service, Unik Filen collects various types of information. This data helps us understand your needs and efficiently process your applications.

Information You Provide Directly to Us:

• Contact Information: Name, email address, phone number, mailing address (e.g., when you fill out contact forms, webinar registration forms, or create an account).
• Financial Information: Income, employment history, credit history, assets, liabilities, and other financial details necessary for loan pre-qualification and application processes.
• Identification Information: Social Security Number (SSN), date of birth, driver's license number, or other government-issued identification details to verify your identity.
• Loan-Specific Information: Details regarding the property you intend to purchase or refinance, loan type preferences, and other relevant information for mortgage planning.

Information We Collect Automatically:

When you visit our website, certain information is collected automatically to enhance your experience and help us improve our services:

• Usage Data: Pages visited, time spent on pages, links clicked, and other browsing actions.
• Device Information: IP address, browser type, operating system, and device identifiers.
• Cookies and Tracking Technologies: We use cookies to remember your preferences, track website usage, and deliver targeted advertising. You can control cookie preferences through your browser settings.

2. How We Use and Share Your Information

Your information is used exclusively to facilitate your homeownership journey and to ensure you receive the best guidance from Unik Filen. We commit to using your data responsibly and transparently.

How We Use Your Information:

• To Provide and Improve Our Services: Processing loan applications, offering personalized mortgage advice, and enhancing user experience on our website.
• For Communication: Sending important updates, responding to your inquiries, delivering educational content, and providing customer support.
• For Marketing: With your consent, we may send you information about new products, services, and promotions that could benefit you. You always have the option to opt-out of marketing communications.
• For Legal and Regulatory Compliance: Fulfilling our legal obligations and protecting our rights and interests, including fraud prevention.

How We Share Your Information:

Unik Filen does not sell your personal data to third parties. We only share information with trusted partners when it is essential for providing our services or required by law:

• Third-Party Service Providers: We work with reputable partners for services like underwriting, credit reporting, title examination, and appraisals. These partners are bound by confidentiality agreements and are only allowed to use your data to perform their contracted services.
• Regulatory and Legal Authorities: We may disclose information if required by law, subpoena, or government investigation, or to protect the rights, property, or safety of Unik Filen, our customers, or others.
• Business Transfers: In the event of a merger, acquisition, or asset sale, your personal information may be transferred as part of the transaction, subject to the same privacy commitments.

3. Data Security

The security of your personal information is paramount to Unik Filen. We employ robust technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction.

• Encryption: We utilize Secure Socket Layer (SSL) encryption for data transmission, ensuring that information exchanged between your browser and our servers remains private.
• Access Controls: Access to your personal information is restricted to authorized Unik Filen personnel and trusted partners who require the data to perform their job functions.
• Secure Servers and Data Centers: Our data is stored on secure servers located in professional data centers with stringent physical and digital security protocols.
• Regular Audits and Updates: We regularly review our security practices and update our systems to guard against new threats and maintain the highest level of data protection.

4. Your Rights

Unik Filen respects your rights regarding your personal data. We are committed to empowering you with control over your information.

• Right to Access: You have the right to request a copy of the personal information we hold about you.
• Right to Rectification: If you believe any information we hold is inaccurate or incomplete, you have the right to request correction.
• Right to Erasure (Right to be Forgotten): In certain circumstances, you may request that we delete your personal data.
• Right to Restrict Processing: You have the right to request that we limit the ways we use your personal data.
• Right to Data Portability: You can request to receive your personal data in a structured, commonly used, and machine-readable format.
• Right to Object: You can object to the processing of your personal data in certain situations, including for direct marketing purposes.

To exercise any of these rights, please contact our Data Protection Officer using the details below. We will respond to your request in accordance with applicable laws.

Information for Users in Specific Jurisdictions:

• California Residents (CCPA/CPRA): You have specific rights regarding access to and deletion of your personal information, as well as the right to opt-out of the sale of your personal information. Unik Filen does not sell personal information.
• European Union Residents (GDPR): You have additional rights, including the right to lodge a complaint with a supervisory authority.