UMortgage LLC dba UMortgage Caronlinas PRIVACY POLICY INFORMATION GATHERED You may choose to provide information about yourself in order to be contacted by UMortgage LLC dba UMortgage or receive a response to your question or inquiry. Such information may include the following:

• Your name

• Your company name

• Contact information including an email address

• Other information you choose to provide via a telephone call, letter, or e-mail USE Primarily, the information you provide will be used to contact you. By providing information to UMortgage LLC dba UMortgage through this Website, a telephone call, an e-mail, or letter, you authorize UMortgage LLC dba UMortgage to engage in the following uses of your information:

• To improve its products and services •

To periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements

• To contact you No mobile information will be shared with third parties/aKiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. SMS COMMUNICATIONS POLICY UMortgage LLC dba UMortgage Carlonias respects your privacy and adheres to industry standards for SMS communications. By opting into our SMS program, you acknowledge and agree to the following:

1. Collection and Use of Mobile Information: o Your mobile phone number and consent to receive SMS messages will be securely stored and used solely for purposes of communication and services related to your engagement with UMortgage LLC dba UMortgage.

2. Purpose of SMS Communications: o SMS messages may include updates, promotional content, or information related to your inquiries, applications, or services.

3. Opt-In Consent: o Consent to receive SMS messages is required. You will only receive SMS communications after providing express consent, which is collected via a clear and conspicuous opt-in mechanism.

4. Opt-Out Mechanism: o You can opt out of SMS communications at any time by replying STOP to any message. Following an opt-out request, you will receive a confirmation message, and no further messages will be sent unless you opt-in again. 5. Disclosure Requirements: o Message frequency may vary. o Message and data rates may apply, depending on your carrier and plan. o For assistance, you may reply HELP to any SMS message or contact us directly using the contact information provided below. 6. Third-Party Sharing: o We will not share your SMS opt-in data or consent status with third parties for marketing purposes. Information may only be shared with service providers directly involved in facilitating SMS communications on behalf of UMortgage LLC dba UMortgage Carolinas.

SECURITY UMortgage LLC dba UMortgage Carolinas has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security. Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. UMortgage LLC dba UMortgage recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to UMortgage LLC dba UMortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

WEB TECHNOLOGIES A “cookie” is a small file that is assigned by the web server to your computer. The use of cookies allows UMortgage LLC dba UMortgage to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide UMortgage LLC dba UMortgage access to your computer or any of the information contained on your computer, and your computer is not harmed by UMortgage LLC dba UMortgage's use of cookies. Most web browsers aKord you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website. CHANGE IN CONTROL Your information may be transferred in connection with a sale, merger, transfer, exchange, or other disposition (whether assets, stock or otherwise) of all or a portion of the business of UMortgage LLC dba UMortgage. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

THIRD-PARTY LINKS You might find links to third-party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. UMortgage LLC dba UMortgage does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever, as UMortgage LLC dba UMortgage has no control over third-party websites.

CHANGES TO OUR PRIVACY STATEMENT UMortgage LLC dba UMortgage reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

TERMS AND CONDITIONS Click here to see the UMortgage LLC dba UMortgage's Terms of Use Statement for other details that are applicable to and regard your use and access of this Website. AGREEMENT By using this Website, you agree to UMortgage LLC dba UMortgage's Privacy Statement and to the use of the information UMortgage LLC dba UMortgage receives and collects as stated herein and in ways UMortgage LLC dba UMortgage may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. UMortgage LLC dba UMortgage reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes