EDUCATED MORTGAGE SERVICES, LLC
PRIVACY POLICY
Effective Date: July 2026
Introduction
Educated Mortgage Services, LLC ("Educated Mortgage," "we," "our," or "us") is committed to protecting your privacy and safeguarding your personal information.
This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, online mortgage applications, borrower portal, electronic communications, text messaging, and related services.
If you become a mortgage applicant or customer, you will also receive our separate federal Privacy Notice, which explains how we collect, share, and protect your nonpublic personal information in accordance with the Gramm-Leach-Bliley Act (GLBA).
Information We Collect
We may collect personal information you voluntarily provide, including:
• Name
• Address
• Email address
• Telephone number
• Date of birth
• Property address
• Loan purpose
• Employment information
• Income information
• Asset information
• Financial information
• Mortgage application information
• Documents uploaded through our borrower portal
• Information submitted through website contact forms
As part of the mortgage process, we may also obtain information from:
• Credit reporting agencies
• Employers
• Financial institutions
• Government agencies
• Mortgage insurance providers
• Title companies
• Appraisal companies
• Investors
• Fraud prevention and identity verification providers
• Other third parties as permitted by law
Information Collected Automatically
When you visit our website, we may automatically collect information including:
• IP address
• Browser type
• Operating system
• Device information
• Pages viewed
• Time spent on pages
• Referring websites
• Search terms
• Cookies
• Similar tracking technologies
This information helps us improve our website and better serve our customers.
Cookies & Analytics
Our website may use cookies and similar technologies including:
• Google Analytics
• Google Ads
• Microsoft/Bing Ads
• Meta (Facebook) Pixel
• Website analytics tools
• Advertising conversion tracking
These technologies help us:
• Improve website performance
• Measure advertising effectiveness
• Better understand visitor behavior
• Improve user experience
You may disable cookies through your browser settings; however, some portions of our website may not function properly.
How We Use Your Information
We may use your information to:
• Respond to inquiries
• Schedule consultations
• Process mortgage applications
• Verify information
• Communicate during the loan process
• Provide mortgage options
• Send educational information
• Provide homeownership resources
• Deliver Home Reports and market updates
• Provide customer service
• Improve our website and services
• Prevent fraud
• Comply with applicable laws and regulations
SMS Communications
If you consent to receive text messages from Educated Mortgage Services, we may send SMS messages regarding:
• Appointment confirmations
• Appointment reminders
• Loan application updates
• Requests for documentation
• Loan milestone notifications
• Closing reminders
• Customer service communications
• Mortgage education
• Homeownership information
• Mortgage marketing
• Home equity opportunities
• Refinance opportunities
• Other information related to your mortgage needs
Message frequency varies based on your relationship with Educated Mortgage Services.
Message and data rates may apply.
You may opt out at any time by replying STOP.
Reply HELP for assistance.
Your consent to receive SMS messages is not required as a condition of obtaining a mortgage loan or any other service.
Email Communications
If you provide your email address, we may send:
• Mortgage updates
• Educational information
• Homeownership tips
• Market updates
• Promotional communications
• Customer service communications
Marketing emails include an unsubscribe option.
Transactional communications related to your mortgage may continue as necessary.
AI-Assisted Communications
Educated Mortgage Services may use artificial intelligence ("AI") tools to assist our employees with customer communications, marketing content, document organization, workflow automation, and operational efficiency.
These tools are used to support—not replace—the expertise of our licensed mortgage professionals.
Final lending decisions, underwriting determinations, and mortgage advice are provided by qualified personnel and are subject to applicable investor and regulatory guidelines.
Third-Party Service Providers
To provide mortgage services efficiently, we utilize trusted third-party providers.
These providers may include:
• Loan origination systems
• Borrower portal providers
• Customer relationship management (CRM) providers
• Electronic signature providers
• Income and employment verification providers
• Asset verification providers
• Credit reporting agencies
• Mortgage insurance providers
• Title companies
• Appraisal companies
• Investors
• Website hosting providers
• Analytics providers
• Marketing providers
• SMS communication providers
• Home valuation providers
• Mortgage activity monitoring providers
These providers receive only the information necessary to perform services on our behalf and are contractually obligated to protect your information.
Mobile Information Privacy
No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes.
All categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except vendors that provide messaging services on our behalf.
Data Security
We maintain administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction.
These safeguards include:
• Secure computer systems
• Encrypted communications where appropriate
• Access controls
• Secure data storage
• Employee training
• Physical security measures
• Vendor security reviews
While we use commercially reasonable efforts to protect your information, no system can guarantee absolute security.
Data Retention
We retain personal information for as long as necessary to:
• Provide requested services
• Comply with legal and regulatory requirements
• Resolve disputes
• Enforce agreements
• Meet record retention obligations
Your Choices
You may:
• Opt out of marketing emails
• Opt out of SMS messages by replying STOP
• Contact us regarding your personal information
• Exercise any privacy rights available under applicable law
Mortgage applicants and customers will also receive our separate federal Privacy Notice describing information-sharing practices and applicable opt-out rights.
Children's Privacy
Our website is not intended for children under the age of 13.
We do not knowingly collect personal information from children.
Third-Party Websites
Our website may contain links to third-party websites.
We are not responsible for the privacy practices or content of those websites.
Changes to This Privacy Policy
We may update this Privacy Policy periodically.
Changes become effective upon posting to this page.
Contact Us
Educated Mortgage Services, LLC
5315 Wall Street, Suite 270
Madison, WI 53718
Phone: (608) 834-5000
Email: info@edumtg.com
Website: https://www.educatedmortgage.com