1. Introduction
Elite Living Lending, a DBA of Elite Living Realty, LLC ("we," "us," or "our"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website www.elitelivinglending.com, submit a loan inquiry, or communicate with us by phone, email, or SMS text message.
By using our website or services, you consent to the practices described in this policy. If you do not agree, please do not use our website or services.
2. What Information Is Collected
We collect the following categories of information:
Information You Provide Directly
When you complete a form, request a pre-approval, or otherwise contact us, we may collect:
- Name, email address, phone number, and mailing address
- Date of birth, Social Security Number, and government-issued identification (only when applying for a loan)
- Employment, income, and asset information
- Credit history and financial account information (only when applying for a loan)
- Information about the property you are seeking to purchase or refinance
- Communications you send to us (including SMS, email, voicemail, and chat messages)
- Mobile phone number and SMS opt-in consent records
Information Collected Automatically (Cookie & Tracking Info)
When you visit our website, we automatically collect certain information through cookies and similar tracking technologies:
- IP address, browser type, operating system, and device identifiers
- Pages visited, time spent on pages, and referring URLs
- Cookies, web beacons, and pixel tags for analytics and advertising
- Geolocation data (general location based on IP address)
3. How Data Is Used
We use the information we collect for the following purposes:
- Respond to your inquiries and process loan applications
- Communicate with you about your loan, including via phone, email, and SMS text message
- Send appointment reminders, status updates, and document requests
- Provide marketing and promotional communications about our products and services (with your consent)
- Comply with legal, regulatory, and licensing obligations
- Improve our website, services, and customer experience
- Detect and prevent fraud, unauthorized activity, or violations of our policies
- Conduct analytics and measure marketing effectiveness
4. SMS Opt-In Details & Text Messaging Terms
SMS Opt-In Consent. By providing your mobile phone number through our website, lead form, or other point of contact, and by checking the SMS consent box, you expressly consent to receive recurring marketing, transactional, and informational text messages from Elite Living Lending at the number you provided, including messages sent via automated technology. Consent is not a condition of any purchase.
Types of SMS Messages You May Receive:
- Appointment confirmations and reminders
- Loan application status updates
- Document requests
- Follow-up communications related to your inquiry
- Educational content about home buying and lending
- Occasional promotional offers and rate updates
Message Frequency. Message frequency varies depending on your stage in the loan process and your preferences. You may receive up to several messages per week.
Message and Data Rates. Standard message and data rates may apply based on your mobile carrier plan. Elite Living Lending does not charge for sending SMS messages, but your wireless carrier may charge you.
How to Opt Out (Text STOP). You can opt out of receiving SMS messages from Elite Living Lending at any time by replying STOP to any text message. After replying STOP, you will receive one confirmation message and no further texts. You may also opt out by contacting us directly at [email protected] or 214.506.0634.
How to Get Help (Text HELP). For help, reply HELP to any text message, or contact us at [email protected].
Carrier Disclaimer. Carriers (including but not limited to AT&T, T-Mobile, Verizon, and Sprint) are not liable for delayed or undelivered messages.
Eligibility. SMS communications are intended for U.S. residents aged 18 and older.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of mobile opt-in data are excluded from third-party sharing for marketing. Information sharing to subcontractors that provide support services for our communications (such as messaging platforms and CRMs) is permitted only as required to deliver the messages you have requested. SMS consent and mobile phone numbers are NOT sold, rented, or shared with third parties for their independent marketing purposes under any circumstances.
5. How We Share Your Information
We may share your information with the following parties:
- Hometown Lending and other licensed lending partners necessary to process your loan
- Service providers who assist us with website hosting, CRM, email, SMS messaging, document processing, credit reporting, underwriting, and similar functions
- Real estate professionals we partner with, only with your knowledge and consent, to facilitate your home purchase
- Government agencies and regulators as required by law (including the IRS, NMLS, state regulators, and Consumer Financial Protection Bureau)
- Legal authorities when required by subpoena, court order, or applicable law
We do not sell your personal information. We do not share mobile opt-in information or SMS consent with any third parties for their independent marketing purposes.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to recognize repeat visits, analyze website traffic, and improve user experience. You can control cookies through your browser settings. Disabling cookies may affect website functionality.
We may use third-party analytics tools (such as Google Analytics) and advertising platforms (such as Meta and Google Ads) that use cookies to measure and optimize advertising effectiveness. These tools may collect information about your interactions with our website and other sites across the internet.
7. Data Security Practices
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our data security practices include:
- Encryption of sensitive information in transit and at rest
- Restricted access to personal data on a need-to-know basis
- Regular security audits and monitoring
- Secure storage of physical and electronic records
- Employee training on data protection and privacy
However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
8. User Rights (Unsubscribe, Update, Access, Delete)
Depending on your state of residence, you have the following rights regarding your personal information:
- Right to Access: Request a copy of the personal information we hold about you
- Right to Update or Correct: Request correction of inaccurate or incomplete information
- Right to Delete: Request deletion of your personal information (subject to legal record-keeping requirements)
- Right to Unsubscribe: Opt out of marketing communications, including SMS, email, and direct mail at any time
- Right to Data Portability: Request a copy of your data in a portable format
- Right to Know: Request information about how your personal information has been collected, used, and shared
- Right to Non-Discrimination: We will not discriminate against you for exercising your rights
To exercise any of these rights, contact us at [email protected] or 214.506.0634.
9. California Residents (CCPA/CPRA)
California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising these rights. We do not sell personal information.
10. Children's Privacy
Our services are not directed to children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing any personal information.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be communicated through our website or by direct notice when appropriate.
13. Contact Us
If you have questions or concerns about this Privacy Policy, contact us:
Elite Living Lending
(a DBA of Elite Living Realty, LLC)
13155 Noel Rd #900
Dallas, TX 75240
Phone: 214.506.0634
Email: [email protected]
View our Terms of Service.