# Privacy Policy
Effective date: May 28, 2026
## Introduction
Nest & Key Mortgage, LLC (dba Nest & Key) ("Nest & Key," "we," "our," or "us") respects your privacy and is committed to protecting the personal and financial information you share with us when you inquire about or apply for mortgage services. This Privacy Policy describes the information we collect, how we use it, and the choices available to you.
Nest & Key is a Texas-licensed mortgage broker (NMLS #2713979) and is subject to federal and state laws governing the handling of consumer financial information, including the Gramm-Leach-Bliley Act (GLBA), the Real Estate Settlement Procedures Act (RESPA), and the Equal Credit Opportunity Act (ECOA).
## Information We Collect
We collect information about you from the following sources:
Information you provide to us directly. When you contact us through our website, complete a pre-approval or loan application, schedule a consultation, or otherwise communicate with us, we collect information such as your name, address, telephone number, email address, date of birth, Social Security number, employment information, income, assets, debts, and other financial information necessary to evaluate your loan inquiry.
Information from third parties. With your authorization, we obtain information about you from consumer reporting agencies (credit reports), your employers (income and employment verification), financial institutions (account balances and transactions), and other third parties involved in the mortgage origination process.
Information collected automatically. When you visit our website, we automatically collect certain technical information such as your IP address, browser type, device type, pages viewed, and time stamps. We use this information to operate, secure, and improve our website.
## How We Use Your Information
We use the information we collect to:
- evaluate your eligibility for mortgage products and services;
- process your loan inquiry or application and communicate with lenders and other third parties involved in the origination process;
- verify your identity and prevent fraud;
- respond to your inquiries and provide customer support;
- send you appointment reminders, loan application status updates, document requests, and other transactional communications related to your inquiry or application;
- comply with applicable laws and regulations;
- improve our services and our website.
## Information Sharing
We do not sell your personal information. We share information only in the following limited circumstances:
With lenders and origination partners. With your consent, we share your information with lenders, investors, and other third parties involved in originating, funding, or servicing your mortgage loan.
With service providers. We share information with vendors and service providers who help us operate our business (such as document processing, credit reporting, technology providers, and communications providers), under contractual obligations to protect your information.
For legal and safety reasons. We may disclose information when we believe in good faith that disclosure is required by law, necessary to enforce our agreements, or necessary to protect the rights, property, or safety of Nest & Key, our customers, or others.
With your consent. We may share information for other purposes with your explicit consent.
## SMS Communications
If you provide your mobile phone number and consent to receive text messages, we may send you text messages related to your inquiry or loan application, including appointment reminders, application status updates, document requests, and follow-up to our prior communications.
We do not share mobile phone numbers or SMS opt-in data with third parties or affiliates for marketing purposes. Mobile information collected for SMS communications is used only to deliver the messages you have authorized and to provide related support.
Message frequency varies based on the status of your inquiry or application. You will not receive recurring marketing messages unless you have explicitly opted in to a marketing program.
Message and data rates may apply. Standard messaging rates from your mobile carrier apply to text messages sent or received. Nest & Key does not charge a fee for sending or receiving SMS, but your carrier may.
Opting out. You may opt out of receiving text messages at any time by replying STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message. You will receive a one-time confirmation that you have been unsubscribed, after which we will not send you further text messages from that number unless you reply START to resubscribe. Reply HELP to any message to receive support contact information.
## Cookies and Tracking Technologies
Our website uses cookies and similar technologies to remember your preferences, keep you signed in to any tools, and understand how visitors use our site. You can control cookies through your browser settings; disabling cookies may limit your ability to use parts of our website.
## Data Security
We use administrative, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. Sensitive information is encrypted in transit and at rest. No system is perfectly secure; in the event of a security incident affecting your information, we will notify you and applicable authorities as required by law.
## Your Rights and Choices
You have the right to:
- request access to the personal information we hold about you;
- request correction of inaccurate or incomplete information;
- request deletion of your information, subject to our legal obligations to retain certain records (mortgage-related records are typically retained for several years to comply with federal and state regulations);
- opt out of marketing communications at any time;
- limit the sharing of your information for marketing purposes by contacting us directly.
If you would like to exercise any of these rights, please contact us using the information below.
## Equal Credit Opportunity
Nest & Key Mortgage is an Equal Housing Opportunity Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, source of income, familial status, disability, or any other characteristic protected by applicable law.
## Children's Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.
## Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective date" at the top of this page and, where appropriate, notify you through our website or by email. Your continued use of our services after a change takes effect constitutes acceptance of the updated policy.
## Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Nest & Key Mortgage, LLC
5900 Balcones Drive, Suite 24826
Austin, Texas 78731
Email: hello@nestandkeymortgage.com
NMLS #2713979
Licensing information available at nmlsconsumeraccess.org.