Privacy Policy & Terms of Use

Information We Collect

We collect information that you provide directly to us, including but not limited to:

• Personal identification information (name, email address, phone number)
• Financial information necessary for loan applications and pre-qualification
• Military service information for VA loan eligibility verification
• Property information and housing preferences
• Communication preferences and correspondence records

How We Use Your Information

Your information is used to:

• Process loan applications and provide pre-qualification services
• Communicate with you about your mortgage needs and application status
• Verify VA loan eligibility and benefits
• Provide personalized mortgage rate quotes and recommendations
• Improve our services and website functionality
• Comply with legal and regulatory requirements

Data Security

We implement industry-standard security measures to protect your personal and financial information. This includes:

• SSL encryption for all data transmission
• Secure servers with restricted access
• Regular security audits and updates
• Employee training on data protection protocols
• Compliance with federal privacy regulations including GLBA

Information Sharing

We do not sell your personal information. We may share your information with:

• Lenders and financial institutions to process your loan application
• Service providers who assist in our operations (credit bureaus, appraisers, title companies)
• Government agencies as required by law
• Third parties with your explicit consent

Your Rights

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate information
• Opt-out of marketing communications
• Request deletion of your information (subject to legal requirements)
• Lodge a complaint with relevant authorities

Cookies and Tracking

Our website uses cookies and similar technologies to enhance user experience, analyze site traffic, and improve our services. You can control cookie preferences through your browser settings.

Acceptance of Terms

By accessing and using the Valor Home Mortgage website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website or services.

Use of Services

You agree to use our website and services only for lawful purposes and in accordance with these terms. You must not:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Use the site for any illegal or fraudulent activity

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the site will be error-free, uninterrupted, or free from viruses or other harmful components.

Limitation of Liability

Valor Home Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the site after changes are posted constitutes acceptance of the modified terms.