Privacy Policy

Valor Home Loans, a division of Boxcar Mortgage LLC — NMLS# 1969375 — Last updated June 14, 2024

Overview

This Privacy Notice describes our practices under the California Consumer Privacy Act (CCPA) and applies to information collected on websites where this notice is posted, any related mobile applications, and associated functionalities.

References to “you” and “your” refer to a California resident accessing the system. If you are a consumer or customer, please refer to the separate privacy notice provided to you for details on compliance with the federal Gramm-Leach-Bliley Act (GLBA).

This Privacy Notice does not create any contractual or other legal rights for any party.

What Personal Information Is Collected?

The following information may be collected when you use our website:

• Your server address
• The date and time of your visit
• Pages accessed and documents downloaded
• The previous website you visited
• The type of browser you are using

This information is collected for statistical purposes and to enhance website navigation. Where permitted by law, third parties may also collect this information and track your online activities. Our website may additionally request specific personal information to respond to inquiries or register users for services.

Cookies and Usage Reports

Valor Home Loans and our third-party service providers use cookies to gather information about your use of the system for purposes including statistics collection, system optimization, analytics, market research, and maintaining user login information. Information tracked via cookies includes browser type, IP address, home domain, referrer URL, pages accessed, time and date of access, and total visitor counts.

Most internet browsers allow you to configure settings to reject cookies. However, doing so may prevent you from fully utilizing the system’s capabilities.

Third-Party Service Providers and Web Beacons

Our websites may use third-party services like Google Analytics to better understand and improve your experience. Google Analytics collects information such as how often users visit a website, which pages are visited, and the website visited immediately before arriving at ours. Google Analytics collects only the IP address assigned on the date of your visit, not your name or other identifying information. Google’s use of this data is governed by the Google Analytics Terms of Use and Google Privacy Policy.

Some areas of the system contain electronic images known as web beacons that allow us and our third-party providers to count users who have visited certain pages. These beacons do not collect personal information.

Correspondence

We welcome your questions and comments via our Contact Us page. If you contact us through the system or by email, the information collected may include the content and metadata of your correspondence. We may share messages with relevant individuals within our organization and may archive or discard messages as appropriate.

How to Opt Out of Promotional Correspondence

If you have opted in to receive promotional emails, you may opt out at any time by clicking the unsubscribe link at the bottom of any promotional email or by contacting our Customer Service team. Please allow a reasonable period for us to process your request.

How We Use the Information We Collect

We and our third-party service providers use collected information to operate the system, provide services, improve user experience, address security issues, conduct research, and fulfill legitimate business purposes. We may also use collected information to comply with applicable policies, laws, or regulations.

With Whom We Share the Information We Collect

We may share collected information with our affiliates but do not sell or lease user lists. We may disclose information in response to legal requirements, to protect our legal rights, or during business transactions such as mergers or acquisitions.

Mobile Opt-In Data

Your phone number and SMS consent information will not be shared with third parties.

Job Applicants

Personal information provided for job applications will be used solely for recruitment purposes and may be retained for the period necessary to fulfill those purposes. We may disclose your personal information to agents evaluating your qualifications.

Promotions and Surveys

Participation in online polls, surveys, or promotions is voluntary. Information collected for these activities may be used to administer the activities and communicate with participants.

Your Choices Regarding Our Privacy Practices

When interacting with us through the system, you choose what information to supply. Promotional emails contain an opt-out link for your convenience.

How We Protect Your Information

We use commercially reasonable measures to secure information transmitted via or stored on the system. However, no security system is impenetrable, and we cannot guarantee absolute security.

Linked Websites

We are not responsible for the privacy practices of websites not under our control. Linked websites maintain their own privacy policies, which we encourage you to review.

User-Provided Content

Submissions to the system are at your own risk without any expectation of privacy. We encourage caution when sharing personal information in public forums.

Social Media Platforms

Submissions made on social media platforms are at your own risk. Please review the privacy policies of those platforms before sharing personal information.

Right to Verify the Accuracy of Your Information

You may contact us to verify and correct personal information we have collected, subject to legal limitations.

Information Collected from Children

The system is not intended for children under the age of 13, and we do not knowingly collect information from them. Information submitted on behalf of a child must be provided by a parent or guardian.

Visiting the System from Outside the United States

If you are accessing the system from outside the United States, your information may be transferred to, stored, or processed in the United States. By using the system, you consent to this transfer.

Do Not Track Requests

We do not monitor or follow Do Not Track browser requests.

For More Information

State Licensing

Valor Home Loans is licensed in the following states. Full NMLS details: NMLS Consumer Access →