Privacy Policy

Information We Collect

When you use our website or request mortgage services from Innovative Mortgage Services Inc (d/b/a Property Loan Wizard), we may collect personal information including:

• Name, email address, and phone number
• Residential and mailing address
• Social Security Number (only after you formally apply)
• Financial information such as income, assets, bank statements, and employment history for mortgage prequalification and underwriting
• Property information including purchase price, address, and intended use (primary residence, investment, or vacation home)
• Website usage data through cookies and analytics tools (Google Analytics)
• IP address, browser type, and device information for security and fraud prevention

How We Use Your Information

We use your personal information only for legitimate business and legal purposes, including:

• Responding to your mortgage inquiries and consultation requests
• Processing and underwriting your loan application
• Preparing loan disclosures and closing documents
• Complying with federal and state mortgage lending regulations, including TILA, RESPA, and Fair Lending laws
• Verifying your identity and preventing fraud
• Communicating with you via phone, email, or SMS about your application status and required documentation
• Internal quality control, training, and compliance auditing

How We Share Your Information

We may share your information with third parties only as necessary to provide mortgage services and comply with legal obligations.

We do not sell your personal information.

• Loan processors, underwriters, and closing agents working on your file
• Mortgage lenders and investors who fund or purchase your loan
• Credit bureaus (Experian, Equifax, TransUnion) for credit reporting and verification
• Title companies, appraisers, and property inspection services
• Service providers under written contract who assist with IT, marketing, or compliance (bound by confidentiality)
• Regulatory agencies and law enforcement when required by law, subpoena, or court order

Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and analyze site traffic.

• Essential cookies: Required for website functionality and security
• Analytics cookies: Help us understand how visitors use our site (Google Analytics)
• You can disable cookies through your browser settings, though some site features may not work properly
• We do not use cookies to track you across third-party websites for advertising purposes

Data Security and Retention

We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, disclosure, or destruction.

• Encrypted transmission and secure storage for sensitive documents
• Access limited to authorized personnel with a legitimate business need
• We retain your personal information for as long as necessary to complete your loan transaction and satisfy legal and regulatory recordkeeping requirements (typically 5–7 years)
• After the retention period, your information is securely destroyed or anonymized

Your Rights / Opt-Out

You have rights regarding your personal information. To exercise any of the rights below, contact us using the information at the bottom of this page.

• Right to know what personal information we have collected about you
• Right to request deletion of your personal information (subject to legal and regulatory retention requirements)
• Right to opt out of certain sharing or selling of personal information (we do not sell your information)
• Right to correct inaccurate personal information in our records
• Right to request a copy of your personal information in a portable format
• Right to non-discrimination for exercising your privacy rights

Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information to us, please contact us immediately and we will take steps to remove that information.

GLBA Privacy Notice

This privacy notice is provided pursuant to the Gramm-Leach-Bliley Act (GLBA). Innovative Mortgage Services Inc is a financial institution engaged in mortgage lending.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms (name, address, income, Social Security Number)
• Information about your transactions with us, our affiliates, or others (loan history, payment records)
• Information from consumer reporting agencies (credit history, credit scores)
• We may disclose nonpublic personal information about you to nonaffiliated third parties only as permitted by law, including to service your mortgage loan and comply with regulatory requirements
• We restrict access to nonpublic personal information to employees and service providers who need to know that information to provide products or services to you
• We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information

SMS / Text Messaging Privacy

Innovative Mortgage Services Inc offers optional text messaging communications for mortgage updates, appointment reminders, and application status notifications. Your participation in SMS messaging is completely voluntary and is not a condition of receiving any mortgage services or loan approval.

• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
• Message frequency varies based on your loan stage and preferences. You may receive 1–4 messages per week during active application periods, and fewer during pre-qualification or post-closing phases.
• Message and data rates may apply depending on your wireless carrier and plan.
• To opt out of SMS messages at any time, reply STOP to any message. You will receive one confirmation message and no further texts unless you re-opt in.
• For help or more information, reply HELP to any message or contact us directly using the information below.
• Supported carriers include but are not limited to: AT&T, Verizon Wireless, T-Mobile, Sprint, Cricket Wireless, and U.S. Cellular.
• Innovative Mortgage Services Inc is not liable for delayed or undelivered messages due to carrier issues, network problems, or technical failures beyond our control.
• To exercise your SMS privacy rights or update your preferences, contact us at 484-903-3372 or via email.