Privacy Policy

SIM REI Mortgage, LLC DBA Axxis Mortgage ("Axxis Mortgage," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at axxismortgage.com, submit a mortgage application, or otherwise interact with us.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

Information You Provide Directly

When you apply for a mortgage, request a consultation, or contact us, we may collect:

• Full name, date of birth, and Social Security Number
• Contact information (address, phone number, email address)
• Employment and income information
• Asset and liability information
• Credit history and authorization for credit inquiries
• Property information related to your loan application
• Government-issued identification

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and general geographic location
• Browser type and operating system
• Pages viewed and time spent on our site
• Referring URLs and search terms
• Cookie and tracking technology data (see Section 7)

Information from Third Parties

We may receive information about you from third parties, including credit bureaus, appraisers, title companies, real estate agents, and other parties involved in your transaction.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your mortgage application
• To communicate with you about your loan status and our services
• To verify your identity and prevent fraud
• To comply with federal and state legal and regulatory requirements
• To service your loan after closing
• To improve our website and customer experience
• To send you updates, newsletters, or promotional information (you may opt out at any time)
• To respond to your inquiries and provide customer support

3. How We Share Your Information

We may share your personal information in the following circumstances:

With Service Providers and Business Partners

We share information with lenders, underwriters, title companies, appraisers, credit bureaus, insurance providers, and other third parties necessary to process and complete your mortgage transaction.

With Regulatory and Government Agencies

We may disclose information as required by law, regulation, court order, or government authority, including compliance with the Bank Secrecy Act, HMDA reporting, and other applicable regulations.

In Business Transfers

If Axxis Mortgage is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

With Your Consent

We may share your information with other parties when you have given us explicit consent to do so.

We Do Not Sell Your Information

We do not sell, rent, or trade your personal or financial information to unaffiliated third parties for their own marketing purposes.

4. Your Rights and Choices

Access and Correction

You have the right to request access to the personal information we hold about you and to request corrections if any information is inaccurate or incomplete.

Opt-Out of Marketing

You may opt out of receiving promotional communications from us at any time by contacting us at info@axxismortgage.com or by clicking the "unsubscribe" link in any marketing email.

California Residents – CCPA Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to request deletion of your personal information
• The right to opt out of the sale of your personal information (we do not sell personal information)
• The right to non-discrimination for exercising your CCPA rights

To exercise your California privacy rights, contact us using the information in Section 9.

Limiting Sharing Under GLBA

Under the Gramm-Leach-Bliley Act, you have the right to limit certain sharing of your nonpublic personal financial information with nonaffiliated third parties. To exercise this right, contact us at the information provided in Section 9.

5. Data Security

We implement industry-standard administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Secure Socket Layer (SSL) encryption on our website
• Restricted access to personal information on a need-to-know basis
• Secure storage of physical and electronic records
• Regular security assessments and employee training

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Mortgage-related records are typically retained for a minimum of three (3) years following the closing of a loan or denial of an application, in accordance with applicable federal and state regulations.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Types of cookies we may use include:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics)
• Marketing Cookies: Used to deliver relevant advertisements

You can control cookie settings through your browser settings. Disabling cookies may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites, including our online mortgage application platform. This Privacy Policy does not apply to third-party websites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can take appropriate action.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: