Saxton Mortgage, LLC

Effective May 1, 2025

At Saxton Mortgage LLC and Dream Home Development Corporation (the “Companies”), protecting your privacy is fundamental to how we operate. This Privacy Policy explains who we are, how we collect, use, share, and safeguard your personal information when you engage with us, whether through our website, over the phone, in person, or through any other means.

This Privacy Policy (or “Policy”) discloses the information Saxton Mortgage and its subsidiary, and affiliate companies collects and processes, as well as the choices you can make about the way your information is collected and is used. This Policy also explains how personally identifiable information that you provide or that we may request will be used. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

By using any of the products or services of Companies, you acknowledge and agree to the privacy practices provided in this Policy. You also acknowledge that you have read this policy and our Terms of Use policy, or other policies described below and consent to those policies as well.

You have the right to withdraw your consent or opt-out of any specific means of communications, or all communications, by contacting us in writing through any of the contact options provided below, or through the unsubscribe or opt-out functions in a specific communication. You may also limit your contact in the following manners:

I. Do not allow your affiliates to use my personal information to market to me

II. Do not share my personal information with nonaffiliates to market their products and services to me.

III. Do not use my personal information to market to me.

IV. Do not share my personal information with other financial institutions to jointly market to me.

Saxton Mortgage does not sell your personal information to any third parties.

SMS/Text Messaging: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the categories below exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

1. Who We Are and How to Contact Us.

Saxton Mortgage, LLC a California Limited Liability Company and its subsidiaries.
12636 High Bluff Drive, Suite 400
San Diego, CA 92130
Toll Free: (855) 200-8551

Information Requests: info@saxtonmortgage.com
Do Not Contact Requests: DNC@saxtonmortgage.com
Opt-Out Requests: Opt-Out@saxtonmortgage.com

Requests can also be mailed to our physical address listed above.

2. Information We Collect

a. Personal Identifier

Full name, mailing address, email address, telephone number, Social Security number, driver’s license or passport number, and other similar identifiers.

b. Financial and Credit Information

Bank account numbers, income, credit history, employment details, credit reports, account balances, transaction history, debt obligations, credit card numbers and CID.

c. Internet and Network Activity

IP address, browser type, browsing behavior on our website, referring URLs, time spent on pages, and cookies and tracking technologies.

d. Geolocation Data

Physical location when using our mobile or web services, if location tracking is enabled.

e. Audio, Electronic, or Visual Data

Call recordings, voicemail messages, and customer service call logs.

f. Professional or Employment-Related Information

Employer name, job title, length of employment, and income verification.

g. Inferences

Profiles reflecting consumer preferences, behavior, or creditworthiness derived from collected data.

3. How we Collect Information From You.

We collect information in the following ways:

Directly from you when you complete a loan application, sign up for services, speak with customer support, or communicate with us.
Automatically through cookies, analytics tools, and server logs when you visit our website or mobile platforms.
From third parties, including credit bureaus, appraisers, title companies, public databases, and other service providers involved in the mortgage process.

4. How We May Share Your Information.

We may disclose your personal information to:

Service Providers: Appraisers, title agents, credit reporting agencies, software vendors, and document processors.
Affiliates: Our subsidiaries, or related companies for shared business purposes.
Government and Legal Entities: To comply with federal or state law, subpoenas, court orders, or regulatory audits.
Marketing Partners: With your consent, we may share information with trusted partners for marketing or promotional offers.
Business Transfers: In the event of a merger, acquisition, or sale of company assets.

Our normal business practice is to have all third-party service providers enter into binding confidentiality agreements with our organization. These agreements explicitly restrict the use of any personally identifiable information (PII) acquired during their engagement with us. Such information can only be utilized for the specific purposes for which the provider was retained, or as required by applicable laws or legal obligations. In addition, we may be compelled to disclose certain information about you in the course of legal proceedings, including litigation, arbitration, or when required by governmental authorities or regulatory bodies.

Furthermore, Saxton Mortgage may share data related to text messaging originator opt-in and consent, specifically with third-party entities that facilitate message delivery. This sharing of information will be strictly limited to purposes directly associated with the operational delivery of messaging services and will not be used for any other purposes.

As stated above, we do not sell your personal information.

5. Cookies and Tracking Technologies.

Saxton Mortgage may use cookies, web beacons, and other similar technologies to enhance your browsing experience, analyze usage and performance of our site, personalize content and advertisements or measure marketing campaign effectiveness.

A cookie is a small text file that a web server sends to a browser, which the browser then stores. Each time the browser requests a page from the server, it sends the cookie back. This allows the server to recognize and track the browser, enabling it to personalize content and load pages based on the user’s preferences for that website.

Cookies can be classified as either "persistent" or "session" cookies. Persistent cookies are stored in your web browser and remain active until their designated expiration date—unless you delete them beforehand. In contrast, session cookies are temporary and are deleted once you close your browser.

Although cookies themselves do not contain personally identifiable information, any personal data we hold about you may be associated with the data collected through cookies.

Essential Cookies are necessary for the proper functioning of our Website and cannot be disabled through our systems. If you choose to block these cookies, some parts of the Website may not work as intended.
Analytics and Performance Cookies help us analyze website traffic and usage patterns. They enable us to measure and enhance the Website’s performance and functionality by identifying which pages are most or least visited and how users navigate the site.
Targeted Advertising Cookies may be placed on our Website by advertising partners. These cookies allow advertisers to create a profile of your interests and display relevant ads to you on other websites.
Social Media Cookies enable you to share content from our Website on social platforms like Facebook, Pinterest, Instagram, and Twitter. These networks may use the information collected to serve you with targeted advertising.

Saxton Mortgage uses cookies, including session ID and non-persistent cookies, along with web beacons and pixel tags to collect statistical data on our Website. This includes information such as pages visited, files downloaded, ISP domain and country, sites visited before and after ours, and user navigation paths ("click stream" activity). We also collect transactional data based on information you voluntarily provide.

This data is aggregated and analyzed to ensure our site functions properly, remains user-friendly, and to evaluate the effectiveness of our marketing efforts. Our cookies do not collect personally identifiable information. However, if IP addresses or similar identifiers are considered personal data under local laws, we treat them accordingly. Likewise, any combination of personal and non-personal information is treated as personal information under this policy.

Cookies also play a key role in maintaining your account's security. Encrypted session ID cookies track your activity to help ensure no unauthorized changes are made to your profile or loan applications. We may store cookies on your device to recognize your browser and enhance your experience, improve site functionality, and assess our marketing initiatives.

Most browsers allow you to block cookies, but doing so may negatively affect your experience on our site.

Under California law, operators of websites and online services are required to disclose how they handle "Do Not Track" signals or similar mechanisms that allow consumers to manage the collection of personal information about their online activities across time and third-party websites. As we do not track your personal information over time or across third-party sites, this requirement does not apply to us. Saxton Mortgage does not alter its behavior or services in response to "Do Not Track" requests.

Additionally, California law mandates that operators disclose whether third parties can collect personal information about users' online activities across different sites when users engage with the operator’s website or service. Third parties such as social features, analytics services, or advertising network partners on our site may collect data about your browsing or usage habits. However, this information does not include personal details. We do not knowingly allow these third parties to collect personal information unless you directly provide it to us, and we share it with them only with your consent.

Additional information on how to manage cookies, including opt-out of cookies for various services, please visit www.allaboutcookies.org.

6. Data Retention.

We retain personal information for as long as necessary to:

Fulfill the purposes outlined in this policy.
Comply with legal, regulatory, or contractual obligations.
Resolve disputes and enforce our agreements.

When it is no longer needed, we securely dispose of personal data in accordance with applicable laws and our internal policies.

7. Security Measures.

We implement a comprehensive set of security measures to safeguard your information, which include:

SSL/TLS Encryption: All online transactions are secured using industry-standard Secure Sockets Layer (SSL) or Transport Layer Security (TLS) encryption protocols, ensuring the confidentiality and integrity of data during transmission.
Access Controls and Multi-Factor Authentication (MFA): We enforce strict access controls to limit the scope of authorized users. Additionally, multi-factor authentication is employed across critical systems to ensure that access is granted only to verified personnel.
Continuous Vulnerability Scanning and System Patching: Our systems undergo regular vulnerability assessments and penetration testing to identify and mitigate potential threats. We also perform routine software updates and security patches to ensure all components remain protected against known exploits.
Staff Education and Awareness: All personnel undergo comprehensive training on data privacy policies, information security best practices, and the handling of sensitive data to minimize human errors and mitigate insider risks.

Despite these robust safeguards, it is important to acknowledge that no method of data transmission over the internet or data storage is entirely immune to potential security breaches.

8. Your Rights and Choices.

Depending on the laws and regulations governing data protection in your jurisdiction, you may have specific rights regarding the personal data we hold about you. These rights may include:

Access: The right to request information about the personal data we process about you, including the categories of data, purposes for processing, recipients of the data, and the retention period or criteria used to determine retention.
Rectification: The right to request the correction of inaccurate or incomplete personal data that we hold about you. This ensures that all information is up-to-date and accurate.
Erasure: The right to request the deletion or removal of personal data when it is no longer necessary for the purposes for which it was originally collected, or when you withdraw consent or object to processing under certain circumstances, subject to legal obligations or exceptions.
Restriction of Processing: The right to request the restriction of processing your personal data under specific conditions, such as when you contest the accuracy of the data, the processing is unlawful, or the data is no longer necessary for the purposes of processing.
Objection: The right to object to certain processing activities, particularly those based on legitimate interests or for direct marketing purposes. You may also object to automated decision-making or profiling.

To exercise any of these rights, please contact us using the contact information provided in the “Who We Are and How to Contact Us” section above. We may request identity verification to ensure the security of your request and to protect your privacy. Additionally, certain rights may be subject to legal exemptions or limitations depending on the jurisdiction in which you reside.

9. Third-Party Links.

Our website may include hyperlinks to external third-party websites or services. We disclaim any responsibility for the privacy practices, policies, or content associated with these external sites. We strongly recommend that users review the privacy policies of these third-party websites or services to understand how their personal data is collected, used, and protected.

10. Children’s Privacy.

We do not knowingly collect or solicit personal information from children under the age of 16. If we discover that such information has been collected, we will delete it as soon as reasonably possible.

11. Notice to California, Colorado, Connecticut, Virgina or Utah Residents.

If you are a California, Colorado, Connecticut, Virginia, or Utah resident, you may be entitled to additional rights over your personal information provided under California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (“CCPA”); Colorado Privacy Act (“CPA”); Connecticut Data Protection Act (“CTDPA”); Virginia Consumer Data Protection Act (“VCDPA”); and the Utah Consumer Privacy Act (“UCPA”).

This Privacy Policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing the privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on your collective activities. We may also be required to maintain your personal information for a specific number of years in order to comply with applicable federal and state laws regarding recordkeeping, reporting and audits.

12. DO NOT CONTACT POLICY

At Saxton Mortgage, we respect your preferences regarding marketing communications and are committed to ensuring your instructions are followed in accordance with industry standards.

a) Do Not Call Requests: If you prefer to opt-out of marketing calls, you may submit your request through the following methods:

Phone: Contact us directly at 1-855-200-8551.
Online: Click the unsubscribe link provided in marketing communications to indicate your preference.
Email: DNC@saxtonmortgage.com

Upon receipt of your request, our team will take appropriate action to honor your preferences within 30 calendar days. All Saxton Mortgage employees are trained in accordance with internal policies and procedures to promptly address opt-out instructions and update our systems accordingly.

Please note that while we will cease marketing calls, we may still need to contact you for essential business purposes, such as servicing your loan, addressing account-related inquiries, or fulfilling legal obligations, which are not considered marketing communications.

b) Opt-Out of Postal Marketing: If you wish to be removed from our postal marketing mailing lists, you can request removal by:

Phone: Contacting us at 1-855-200-8551.
Online: Clicking the unsubscribe link in the marketing communication.

Your request will be processed to ensure your name is removed from both current and future marketing mailings. Please allow up to 30 days for the update to take effect.

At Saxton Mortgage, we are committed to maintaining transparency and following best practices for privacy and customer preferences. For any questions or further assistance, please don’t hesitate to reach out to our customer service team.

13. Updates to this policy.

This Privacy Policy is subject to periodic updates and modifications at our discretion. Any changes made will be reflected by updating the “Effective Date” at the top of this document. We strongly recommend that you review this Privacy Policy on a regular basis to stay informed of any revisions.