Privacy Policy

ONLINE PRIVACY POLICY AGREEMENT

Lava Mortgage LLC, (Lava Mortgage), is committed to keeping any and all personal information collected of those individuals that visit our website and make use of our online facilities and services accurate, confidential, secure and private. Our privacy policy has been designed and created to ensure those affiliated with Lava Mortgage LLC of our commitment and realization of our obligation not only to meet but to exceed most existing privacy standards.

We understand the importance of protecting your personal information and have created this customer-friendly Privacy Policy to explain how we collect, use, share, and safeguard your information when you interact with us or use our
services. This policy applies to all of our customers, whether you visit our website or contact us directly or via social media.

THEREFORE, this Privacy Policy Agreement shall apply to Lava Mortgage LLC, and thus it shall govern any and all data collection and usage thereof. Through the use of https://lavamtg.com you are herein consenting to the following data procedures expressed within this agreement.

It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent as a means to better understand the way in which other websites garner, make use of and share information collected.

Collection of Information

This website collects various types of information, such as:

  • Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.
  • Lava Mortgage LLC may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, type of operating system, at a later time, that will assist us in providing and maintaining superior quality service.

When you apply for a mortgage or use our other financial services, we may collect personal
information such as:

  • Your name, address, phone number, and email address;
  • Date of birth, Social Security number, and government-issued identification;
  • Employment history, income, assets, and liabilities;
  • Credit history, account balances, and payment history;
  • Property information, such as appraisals and purchase agreements.

We may also collect information from third parties, like credit reporting agencies or public records, to help us verify your identity or evaluate your application.

Use of Information Collected

Lava Mortgage LLC may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from https://lavamtg.com. Lava Mortgage LLC may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

We use your personal information to:

  • Process your mortgage application, manage your loan, and provide customer service;
  • Verify your identity and check your eligibility for our products and services;
  • Communicate with you about your account, promotions, or important updates;
  •  Prevent fraud and maintain the security of our systems;
  •  Improve our products and services to better serve you.

Lava Mortgage LLC does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties.

Lava Mortgage LLC may deem it necessary to follow websites and/or pages that their users may frequent in an effort to gleam what types of services and/or products may be the most popular to customers or the general public.

Lava Mortgage LLC may disclose your personal information, without any prior notice to you, unless required to do in accordance to applicable laws and/or in a good faith belief that such action is deemed necessary or required in an effort to:

  • Remain in conformance with any decrees, laws and/or statutes or in an effort to comply with any process which may be served upon Lava Mortgage LLC and/or its website;
  • Maintain, safeguard and/or preserve all the rights and/or property of Lava Mortgage LLC; and
  • Perform under demanding conditions in an effort to safeguard the personal safety of users of https://lavamtg.com and/or the general public.

Who Do We Share Your Information With?

We may share your information with trusted third parties that help us provide our services, such
as:

  • Appraisers, title companies, or credit reporting agencies, to complete your mortgage
    transaction;
  • Affiliates and partners who offer products or services that may interest you;
  • Government agencies or regulators, if required by law or to comply with legal
    obligations;
  •  Other parties involved in your mortgage process, like real estate agents or insurers.
    We promise never to sell or rent your personal information to third parties for their marketing purposes without your permission.

Non-Marketing Purposes

Lava Mortgage LLC greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Lava Mortgage LLC products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

 

Children Under Age of 13

Lava Mortgage LLC does not knowingly collect personal identifiable information from children under the age of thirteen (13) without verifiable parental consent. If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.

How Do We Protect Your Information?

We take your privacy seriously and have implemented reasonable security measures to protect your information from unauthorized access, use, or disclosure. These measures include encryption, firewalls, and secure servers, as well as limiting access to employees and third
parties who need the information to perform their job duties.

Your Choices and Rights

You have the right to access, update, or correct your personal information held by us. If you'd like to make changes or have questions about your information, please contact us using the information provided below.

Links to Other Web Sites

Our website does contain links to affiliate and other websites. Lava Mortgage LLC does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy Agreement applies only and solely to the information collected by our website.

Security

Lava Mortgage LLC shall endeavor and shall take every precaution to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control.

The company also uses Secure Socket Layer (SSL) for authentication and private communications in an effort to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.

 

Changes to Privacy Policy Agreement

Lava Mortgage LLC reserves the right to update and/or change the terms of our privacy policy, and as such we will post those changes to our website, so that our users and/or visitors are always aware of the type of information we collect, how it will be used, and under what circumstances, if any, we may disclose such information. If at any point in time Lava Mortgage LLC decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether or not to permit the use of their information in this separate manner.

Acceptance of Terms

Through the use of this website, you are hereby accepting the terms and conditions stipulated within the aforementioned Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

How to Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.

Telephone Number: 848-391-8924

Mailing Address:

      Lava Mortgage LLC

      51 Cragwood Rd

      South Plainfield, New Jersey 07080

January 01, 2023

Lava Mortgage Solutions
 

Lava Mortgage Solutions LLC
NMLS #2268322

Licensed in New Jersey, Georgia,
Pennsylvania, and Florida

dpatel@lavamtg.com
848-391-8924
51 Cragwood Rd. Suite 305
South Plainfield, NJ 07080

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