Privacy Policy

1. Information We Collect

We may collect personal and financial information that you voluntarily provide, including but not limited to:

• Full name
• Email address
• Phone number
• Property city and state
• Loan purpose (purchase or refinance)
• Estimated purchase price
• Estimated down payment
• Employment status
• Estimated annual household income
• Estimated credit score range
• Any other information you submit through forms, advertisements, phone calls, or communications

We may also automatically collect technical and usage data, including IP address, browser type, device information, operating system, referring URLs, and interaction data, for analytics, security, and performance purposes.

Information may be collected directly by us or through third-party platforms such as advertising networks, form providers, or CRM systems used to receive and manage inquiries.

2. How We Use Your Information

We use collected information to:

• Respond to mortgage or financing inquiries
• Review potential home financing options
• Connect you with licensed mortgage professionals
• Communicate regarding your request or application
• Improve our services, website functionality, and advertising effectiveness
• Comply with legal, regulatory, and licensing requirements

Submitting information does not guarantee loan approval, qualification, or specific loan terms.

3. Communication Consent & TCPA Disclosure

By submitting your information, you expressly consent to be contacted by Kensington Lending or its affiliated or licensed mortgage professionals via:

• Phone calls (including prerecorded or autodialed calls)
• Text messages (SMS)
• Email

Message frequency may vary. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. You may opt out of calls or emails by contacting us directly.

Your consent to receive communications is not a condition of obtaining a loan or any financial service.

Calls may be recorded or monitored for quality assurance, training, and compliance purposes, in accordance with applicable law.

4. Gramm-Leach-Bliley Act (GLBA) Notice

Kensington Lending is a financial institution subject to the Gramm-Leach-Bliley Act (GLBA). We collect, use, and share nonpublic personal information as permitted by federal law to provide mortgage-related services, process inquiries, administer accounts, and comply with legal obligations.

We maintain safeguards designed to protect your personal information in accordance with GLBA and other applicable regulations.

5. Information Sharing

We may share your information with:

• Licensed mortgage loan originators
• Wholesale or correspondent lending partners
• Service providers assisting with processing, marketing, analytics, communications, or technology
• Compliance, legal, or regulatory entities as required by law

All parties with whom we share information are required to protect it and may only use it for purposes related to your inquiry or permitted by law.

We do not sell personal information as defined by applicable privacy laws and do not disclose personal data to third parties for unrelated marketing purposes.

6. Cookies & Tracking Technologies

Our website may use cookies, pixels, and similar technologies to:

• Analyze website traffic and usage
• Improve user experience
• Measure and optimize advertising performance

You may disable cookies through your browser settings; however, some site features may not function properly.

7. State Privacy Rights (Including California)

Depending on your state of residence, you may have additional privacy rights under laws such as the California Consumer Privacy Act (CPRA) and similar state statutes. These rights may include the right to:

• Access personal information we hold about you
• Correct inaccurate information
• Request deletion of certain personal information
• Limit or withdraw consent for communications

We will not discriminate against you for exercising any applicable privacy rights.

8. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, misuse, or alteration.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices, content, or security of those sites. We encourage you to review their privacy policies.

10. Policy Updates

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

11. Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact: