Privacy Policy & Terms of Use Agreement

Effective Date: January 26, 2026
Last Updated: January 26, 2026

Privacy Policy

1. Who We Are

Mortgage Prep Program (“MPP“) is a program operated by Community Lending Group (“CLG“), a licensed mortgage lender/broker. References to “we,” “us,” or “our” mean Community Lending Group and Mortgage Prep Program collectively.

Operator: Community Lending Group
Program: Mortgage Prep Program
Program Operator: Lorin Hanks
Address: 878 Windsor Lane, Bountiful, UT 84010
Email: Lorin@CommunityLendingGroup.com

MPP is not a separate legal entity. All services are provided by Community Lending Group.

2. Information We Collect

We collect information you voluntarily provide and information collected automatically when you use our websites.

A. Information You Provide

  • Identifiers: name, email address, phone number, mailing address
  • Financial information: income-related information, credit-related details, loan readiness data
  • Communications: messages, emails, form submissions
  • Application-related information when requesting mortgage or credit-prep services

B. Information Collected Automatically

  • Internet Protocol (IP) address
  • Device and browser information
  • Pages visited, referring URLs, date/time stamps
  • Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

  • Provide and administer mortgage and mortgage-preparation services
  • Respond to inquiries and requests
  • Evaluate eligibility and readiness for lending products
  • Communicate regarding services, appointments, and updates
  • Improve website functionality and user experience
  • Comply with legal, regulatory, and licensing obligations
  • Protect against fraud, unauthorized access, and misuse

4. Cookies & Tracking Technologies

We use cookies and similar technologies for:

  • Website functionality
  • Analytics and performance measurement
  • Improving user experience

You may control cookies through your browser settings. Disabling cookies may limit certain website features.

5. Sharing of Information

We do not sell your personal information.

We may share information with:

  • Service providers (CRM systems, loan origination software, hosting providers, analytics vendors)
  • Payment processors
  • Regulatory agencies as required by law
  • Professional advisors (legal, compliance, accounting)

All service providers are required to safeguard information and use it only for authorized purposes.

6. GLBA Privacy Notice (Financial Information)

As a mortgage services provider, we collect Nonpublic Personal Information (NPI) as defined by the Gramm-Leach-Bliley Act (GLBA).

We:

  • Use NPI solely for providing financial services
  • Restrict access to authorized personnel only
  • Maintain physical, electronic, and procedural safeguards
  • Do not disclose NPI except as permitted or required by law

7. Data Retention

We retain personal information only as long as necessary for:

  • Business operations
  • Legal and regulatory compliance
  • Dispute resolution
  • Recordkeeping obligations

Retention periods vary depending on the nature of the information and applicable law.

8. SMS Messaging and Data Use

We may use the mobile phone number you provide to send you SMS text messages relating to our services, including informational and promotional messages. By opting in you consent to receive text messages from Mortgage Prep Program and Community Lending Group. Message and data rates may apply. You may opt out of receiving SMS messages at any time by replying ‘STOP’ to any text message or by contacting us via email. We will honor all opt-out requests promptly.”

Mobile phone numbers, opt-in consent records, and SMS data will not be shared with third parties for marketing or promotional purposes. We may share information with trusted service providers for the sole purpose of delivering text message communications and supporting services.

9. Consumer Privacy Rights

Depending on your state of residence, you may have the right to:

  • Access personal information we hold about you
  • Request correction of inaccurate data
  • Request deletion of certain personal information
  • Opt out of certain data processing activities

Requests may be submitted via email to Lorin@CommunityLendingGroup.com. We will verify your identity before processing requests.

10. Children’s Privacy

Our websites and services are intended for adults age 18 and older. We do not knowingly collect personal information from minors.

11. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no method of transmission or storage is 100% secure.

12. Third-Party Links

Our websites may link to third-party sites. We are not responsible for their privacy practices and encourage review of their policies.

13. Changes to This Policy

We may update this Privacy Policy periodically. Updates are effective upon posting.

Website Terms of Use

1. Acceptance of Terms

By accessing or using the MPP or CLG websites, you agree to these Terms of Use and the Privacy Policy.

2. Eligibility

You must be at least 18 years old and legally capable of entering into contracts.

3. Permitted Use

You may use the website for lawful, personal, non-commercial purposes only.

4. Prohibited Activities

You may not:

  • Copy, modify, distribute, or exploit website content without permission
  • Attempt to gain unauthorized access
  • Use the website for unlawful or harmful purposes
  • Engage in data mining or scraping

5. Intellectual Property

All website content is owned or licensed by CLG and protected by intellectual property laws.

6. Disclaimers

The website and content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind.

7. Limitation of Liability

To the fullest extent permitted by law, CLG and MPP are not liable for damages arising from website use.

8. Indemnification

You agree to indemnify and hold harmless CLG and MPP from claims arising from your misuse of the website.

9. Arbitration Agreement & Class Action Waiver

Any dispute shall be resolved through binding arbitration under the Federal Arbitration Act. Class actions are waived.

10. Governing Law & Venue

Utah law governs this Agreement. Venue is Salt Lake County, Utah.

11. Electronic Communications

You consent to electronic communications related to website use and services.

12. Severability & Entire Agreement

If any provision is unenforceable, the remainder remains in effect. This Agreement constitutes the entire agreement between you and CLG/MPP.

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