This Privacy Policy describes how Propylender Funding, Inc. (“Propylender,” “we,” “our, ” or “us”) collects, uses, discloses, and protects personal information when you visit www.propylender.com, apply for or receive lending products, or otherwise interact with us, including via telephone and SMS/text messaging. By using our services, you agree to the practices described herein.
SECTION 1
Introduction
Propylender Funding, Inc., a Florida corporation, together with its subsidiaries and corporate
affiliates (“Propylender,” “we,” “our, ” or “us”) , is committed to protecting your privacy. This
Privacy Policy explains how we collect, use, disclose, and safeguard your personal information
when you visit www.Propylender.com (the "Site"), use our mortgage lending services, or
communicate with us through any channel, including telephone and SMS/text messaging.
Please read this Privacy Policy carefully. By accessing or using our Site or services, you
acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If
you do not agree with the terms of this Privacy Policy, please do not access our Site or use our
services.
This Privacy Policy applies to all users of the Site, including borrowers, investors, real estate
agents, and visitors.
SECTION 2
Information We Collect
2.1 Information You Provide Directly
We collect information you provide when you register, apply for a loan, or contact us, including:
• Full name, date of birth, and government-issued identification
• Postal address, email address, and telephone number(s), including mobile phone
numbers
• Social Security Number and/or Tax Identification Number
• Financial information, including income, assets, liabilities, employment details, and credit
history
• Property information for loan applications
• Username, password, and account preferences
• Communications, feedback, and correspondence you send us
• Referral information when you participate in our Referral Program
2.2 Information Collected Automatically
When you access the Site, we may automatically collect:
• IP address and device identifiers
• Browser type, operating system, and device information
• Pages visited, links clicked, and time spent on the Site
• Referring URLs and search terms
• Cookies, web beacons, and similar tracking technologies
• Log data and usage analytics
2.3 Information From Third Parties
We may receive information about you from third parties, such as:
• Credit bureaus and consumer reporting agencies
• Real estate data providers and public records
• Identity verification and fraud prevention services
• Marketing and lead generation partners
• Lending partners including Kiavi, Lima One, RCN Capital, IceCap Group, Acra Lending,
and Deephaven
• Google Maps (subject to Google’s Privacy Policy at www.google.com/policies/privacy)
SECTION 3
How We Use Your Information
3.1 Lending and Service Purposes
• To process and evaluate your loan application
• To verify your identity and assess creditworthiness
• To originate, fund, service, and manage loans
• To communicate with you about your account, loan status, or application
• To provide customer support and respond to inquiries
• To facilitate electronic signatures and disclosures
3.2 Communications and Marketing
• To send transactional and account-related notifications via email, SMS, or phone
• To send promotional offers, updates, and newsletters (with your consent where required)
• To administer referral programs and promotions
• To conduct surveys and gather feedback
3.3 Legal, Compliance, and Security
• To comply with applicable federal and state laws and regulations, including the Gramm-
Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA),
and Real Estate Settlement Procedures Act (RESPA)
• To detect, prevent, and investigate fraud and security incidents
• To enforce our Terms of Use and other agreements
• To respond to legal process, court orders, or government requests
• To protect the rights, property, or safety of Propylender, our users, or the public
3.4 Business Operations
• To improve our Site, products, and services
• To analyze usage patterns and conduct research
• To manage our business relationships and operations
• To facilitate mergers, acquisitions, or other corporate transactions
SECTION 4
SMS and Telephone Communications (10DLC Compliance)
IMPORTANT NOTICE REGARDING TEXT MESSAGES AND CALLS: By providing your mobile
phone number to Propylender, you are providing express written consent to receive communications
as described in this section. Message and data rates may apply.
4.1 Express Written Consent
By providing us with a telephone number for a mobile device — including any number you later
convert to a mobile number — you expressly consent to receiving the following types of
communications from Propylender, its affiliates, and agents:
• Automated or manually dialed calls
• Prerecorded or artificial voice message calls
• Text messages (SMS and MMS), including marketing messages
• Calls and texts made using an automatic telephone dialing system (ATDS)
This consent applies to each mobile phone number you provide to us, now or in the future, and
covers communications about any product or service offered by Propylender.
4.2 Types of Messages We Send
• Transactional messages: loan application updates, document requests, appointment
reminders, payment notifications, and account alerts
• Informational messages: rate updates, policy changes, and service announcements
• Marketing messages: promotional offers, new products, and referral program updates
(only with your prior express written consent)
4.3 Message Frequency
Message frequency varies based on your activity and preferences. You may receive up to
several messages per week. We will not send messages outside of reasonable business hours.
4.4 Message and Data Rates
Message and data rates may apply. These charges are billed by your mobile carrier and are
your responsibility. Propylender does not charge for SMS communications, but your carrier’s
standard rates apply.
4.5 How to Opt Out / Unsubscribe
You may revoke your consent to receive SMS/text messages at any time using any of the
following methods:
• Text STOP, QUIT, CANCEL, END, or UNSUBSCRIBE to any text message we send you
• Email us at crmsupport@propylender.com with your name, phone number, and opt-out
request
• Call us at +1 (305) 230-4357 during business hours
• Log in to your account and update your communication preferences
After opting out, you will receive one final confirmation message. Opting out of marketing
messages does not opt you out of transactional or legally required communications related to an
existing loan or application.
4.6 Help
For help with text messaging, reply HELP to any message we send or contact us at
crmsupport@propylender.com or +1 (305) 230-4357.
4.7 Not a Condition of Service
You understand and agree that consent to receive calls and text messages is NOT a condition
of obtaining any product or service from Propylender. You may decline to provide or revoke your
consent at any time without affecting your ability to apply for or receive a loan, except that
certain account-related communications may be required for servicing an active loan.
4.8 Monitoring and Recording
Calls with Propylender may be monitored and recorded for quality assurance, training,
compliance, and security purposes. By calling us or receiving a call from us, you consent to
such monitoring and recording.
Florida All-Party Consent Notice: Security of Communications Act, Fla. Stat. § 934.03. Propylender records telephone calls in
compliance with this statute. Your continued participation in a call with our representatives
constitutes your consent to recording under Florida law. If you do not consent to being recorded,
please notify our representative at the beginning of the call and we will make reasonable
accommodations.
4.9 10DLC Registration
Propylender’s SMS messaging program is registered under the 10-Digit Long Code (10DLC)
framework as required by the mobile carrier industry. Our messaging is compliant with The
Campaign Registry (TCR) requirements and applicable CTIA guidelines. We do not engage in
spam messaging and maintain an active opt-out mechanism for all campaigns.
SECTION 5
How We Share Your Information
Propylender does not sell your personal information to third parties. We may share your
information in the following circumstances:
5.1 Service Providers
We share information with vendors and service providers who perform services on our behalf,
such as credit reporting agencies, title companies, appraisers, IT and cloud service providers,
customer support platforms, marketing platforms, SMS/telephony providers, and payment processors. These parties are contractually obligated to protect your information and use it only
for the purposes for which it was disclosed.
5.2 Affiliated Companies
We may share information with Propylender’s subsidiaries and affiliated entities for purposes
consistent with this Privacy Policy.
5.3 Legal and Regulatory Disclosures
We may disclose your information as required by law, including to comply with subpoenas, court
orders, government investigations, or applicable regulations such as those enforced by the
Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), or state
financial regulators.
5.4 Business Transfers
If Propylender is involved in a merger, acquisition, financing, or sale of business assets, your
information may be transferred as part of that transaction. We will notify you of any such change
in ownership or control of your personal information.
5.5 With Your Consent
We may share your information with third parties when you have given us your express consent
to do so.
5.6 Protection of Rights
We may share information when we believe disclosure is necessary to protect the rights,
property, or safety of Propylender, our users, or others, including for fraud prevention purposes.
SECTION 6
Cookies and Tracking Technologies
We use cookies, web beacons, and similar tracking technologies to enhance your experience
on our Site. Cookies are small data files placed on your device. We use the following types of
cookies:
• Strictly necessary cookies: Required for the Site to function properly
• Performance cookies: Help us understand how visitors use the Site
• Functionality cookies: Remember your preferences and settings
• Targeting/advertising cookies: Used to deliver relevant content and advertising
You can control cookies through your browser settings. Please note that disabling certain
cookies may affect the functionality of our Site. We also use Google Analytics and similar
services to analyze usage. To opt out of Google Analytics data collection, visit
tools.google.com/dlpage/gaoptout. For general cookie management guidance, visit
www.aboutcookies.org.
Please note: We do not currently honor browser “Do Not Track” (DNT) signals, as there is no
industry-standard interpretation of DNT requests. We will revisit this policy if a uniform standard
is established.
SECTION 7
Data Security
We implement industry-standard administrative, technical, and physical security measures
designed to protect your personal information from unauthorized access, use, disclosure,
alteration, or destruction. These measures include:
• Encryption of data in transit (TLS/SSL) and at rest
• Access controls and multi-factor authentication for internal systems
• Regular security assessments and penetration testing
• Employee training on data privacy and security
• Incident response procedures
Despite our best efforts, no security system is impenetrable. In the event of a data breach that
affects your personal information, we will provide notice as required by applicable law, including
Florida’s Information Protection Act (FIPA), Fla. Stat. § 501.171, which requires notification to
affected individuals within 30 days of determining that a breach has occurred, and notification to
the Florida Department of Legal Affairs when a breach affects 500 or more Florida residents.
Where required by other applicable federal or state law, we will also notify the appropriate
regulatory authorities.
SECTION 8
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal obligations, resolve disputes, and enforce our agreements. Loan-related records are retained in accordance with applicable federal and state requirements, which may be up to seven (7) years or longer. When information is no longer needed, we securely delete or anonymize it.
SECTION 9
Your Privacy Rights
9.1 Access, Correction, and Deletion
You may request access to, correction of, or deletion of your personal information by contacting
us at crmsupport@propylender.com or +1 (305) 230-4357. Note that certain information may be
retained as required by law or for legitimate business purposes.
9.2 Opt-Out of Marketing Communications
You may opt out of receiving marketing emails by clicking the “unsubscribe” link in any
marketing email or by contacting us directly. You may opt out of marketing text messages as
described in Section 4.5 above.
9.3 California Residents — CCPA Rights
If you are a California resident, you have the following rights under the California Consumer
Privacy Act (CCPA):
• Right to Know: Request information about the categories and specific pieces of
personal information we have collected about you
• Right to Delete: Request deletion of personal information we have collected (subject to
exceptions)
• Right to Opt-Out of Sale: We do not sell personal information, but you may submit a
request to confirm this
• Right to Non-Discrimination: We will not discriminate against you for exercising your
CCPA rights
To submit a CCPA request, contact us at crmsupport@propylender.com or +1 (305) 230-4357.
We will verify your identity before processing your request.
9.4 Florida Residents — Florida Digital Bill of Rights (SB 262)
If you are a Florida resident, you have the following rights under the Florida Digital Bill of Rights,
Fla. Stat. § 501.701 et seq., to the extent applicable to our processing of your personal data:
• Right to Know: You have the right to confirm whether we are processing your personal
data and to access that data in a portable format.
• Right to Correct: You have the right to request correction of inaccurate personal data
we maintain about you.
• Right to Delete: You have the right to request deletion of personal data you have
provided to us or that we have collected about you, subject to exceptions for data we are
legally required to retain.
• Right to Data Portability: You have the right to obtain a copy of your personal data in a
format that is technically feasible to transmit to another controller.
• Right to Opt Out: You have the right to opt out of the processing of your personal data
for purposes of targeted advertising or profiling. Note: Propylender does not sell
personal data and does not process personal data for targeted advertising through third-
party ad networks.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of
the rights described in this section.
To submit a Florida privacy request: Contact us in writing at crmsupport@propylender.com or by
mail at Propylender Funding, Inc., Attn: Privacy / Compliance Officer, 2750 SW 145 Ave, Suite
309, Miramar, FL 33027. We will respond to authenticated requests within 45 days, with one 45-
day extension available where reasonably necessary. We will not charge a fee for responding to
your first request in any 12-month period.
9.5 FCRA Rights
If we use consumer reports in connection with your loan application, you have rights under the
Fair Credit Reporting Act, including the right to know if information in your file has been used
against you and the right to dispute inaccurate information. For more information, visit
www.consumerfinance.gov/learnmore.
9.6 Protection of Rights
The Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691 et seq., and its implementing
regulation, Regulation B (12 C.F.R. Part 1002), prohibit creditors from discriminating against
credit applicants on the basis of race, color, religion, national origin, sex, marital status, age
(provided the applicant has the capacity to enter into a contract), the fact that all or part of the
applicant’s income derives from any public assistance program, or the fact that the applicant
has in good faith exercised any right under the Consumer Credit Protection Act.
As a mortgage broker, Propylender Funding, Inc. is committed to compliance with ECOA and all
applicable fair lending laws, including the Fair Housing Act (42 U.S.C. § 3601 et seq.).
If you believe you have been subjected to unlawful discrimination in connection with a credit
transaction, you may contact:
• Consumer Financial Protection Bureau (CFPB): 1-855-411-CFPB (2372) or
www.consumerfinance.gov
• U.S. Department of Housing and Urban Development (HUD): 1-800-669-9777 or
www.hud.gov/fairhousing
• Florida Office of Financial Regulation: 1-850-487-9687 or www.flofr.gov
SECTION 10
Children’s Privacy
Our Site and services are intended solely for users who are 18 years of age or older. We do not
knowingly collect personal information from children under the age of 13. If we learn that we
have inadvertently collected information from a child under 13, we will promptly delete that
information. If you believe we may have collected information from a minor, please contact us at
crmsupport@propylender.com.
SECTION 11
Third-Party Links and Services
Our Site may contain links to third-party websites and services, including Google Maps. We are
not responsible for the privacy practices of third parties, and this Privacy Policy does not apply
to any third-party sites or services. We encourage you to review the privacy policies of any third-
party sites you visit. Third-party privacy policies may provide less protection than ours.
SECTION 12
Financial Privacy Notice (Gramm-Leach-Bliley Act)
As a financial services company, Propylender Funding, Inc. is subject to the Gramm-Leach-
Bliley Act (GLBA), 15 U.S.C. § 6801 et seq. Federal law gives you the right to limit some, but
not all, sharing of your nonpublic personal information ("NPI"). The table below explains the
reasons we share your NPI and whether you can limit that sharing.
Reasons We Share Your NPI
Do We Share?
Can You Limit?
For our everyday business purposes — to
process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
Yes
No
For our marketing purposes — to offer our
products and services to you
Yes
No
For joint marketing with other financial companies
No
N/A
For our affiliates’ everyday business purposes —
information about your transactions and
experiences
No
N/A
For our affiliates to market to you
No
N/A
For non-affiliates to market to you
No
N/A
To limit our sharing: Contact us at crmsupport@propylender.com or +1 (305) 230-4357. Please note that if you are a new customer, we can begin sharing your information 30 days from the date we send this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing going forward.
Definitions
Affiliates — Companies related by common ownership or control. Propylender currently has no
affiliates that receive your NPI for marketing purposes.
Non-affiliates — Companies not related by common ownership or control. We do not share
your NPI with non-affiliates for marketing purposes.
Joint marketing — A formal agreement between non-affiliated financial companies to market
financial products or services to you. We do not engage in joint marketing arrangements.
SECTION 13
Consent to Electronic Communications
By using our Site and services, you consent to receive all disclosures, notices, agreements, and
other communications electronically, including via email and secure message through your
account. Electronic communications satisfy any legal requirement that such communications be
in writing. You may withdraw your consent to electronic communications as described in our
Terms of Use, subject to limitations applicable to active loan servicing.
SECTION 14
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices,
technology, legal requirements, or other factors. When we make material changes, we will post
the updated policy on this page and update the "Last Updated" date at the top. We may also
notify you by email or through a notice on our Site. Your continued use of the Site or services
after such notice constitutes your acceptance of the updated Privacy Policy.
SECTION 15
How to Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices,
please contact us:
Entity
Propylender Funding, Inc.
Attn
Privacy / Compliance Officer
Address
2750 SW 145 Ave, Suite 309 Miramar, FL 33027
Phone
+1 (305) 230-4357
crmsupport@propylender.com
Website
www.propylender.com
Response Time
We will acknowledge your request within 5 business days and respond fully within 30–45 days as required by applicable law.