Privacy Policy

1. Introduction

Orbis Mortgage Group LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website crossborderloans.ca and use our mortgage application services.

This policy complies with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and other applicable federal and state privacy laws.

2. Information We Collect

2.1 Personal Information

We collect the following types of personal information:

• Identity Information: Full name, date of birth, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), citizenship status, marital status
• Contact Information: Email address, phone numbers (home, cell, work), current and former addresses
• Financial Information: Employment history, income, assets, liabilities, bank account information, credit score, property information
• Demographic Information: Ethnicity, race, sex (for HMDA reporting purposes)
• Military Service Information: Military service status and details

2.2 Automatically Collected Information

• IP address and device information
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses

3. How We Use Your Information

We use your information for the following purposes:

• Loan Processing: To evaluate your mortgage application, verify information, and process your loan
• Credit Reporting: To obtain and review your credit report with your authorization
• Communication: To contact you about your application status and provide customer service
• Compliance: To comply with federal and state lending regulations, including HMDA reporting
• Fraud Prevention: To detect and prevent fraudulent applications and identity theft
• Service Improvement: To analyze and improve our services and website functionality

4. Information Sharing and Disclosure

We may share your information with:

• Lenders and Investors: To process your mortgage application
• Credit Bureaus: To obtain credit reports (with your authorization)
• Service Providers: Third-party vendors who assist with loan processing, underwriting, and closing
• Government Agencies: When required by law or to comply with regulatory requirements
• Legal Obligations: To comply with court orders, subpoenas, or legal processes

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for data transmission
• Encrypted storage of sensitive data
• Access controls and authentication
• Regular security audits and monitoring
• Employee training on data protection

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Opt-Out: Opt out of certain information sharing (subject to legal requirements)
• Credit Report: Obtain a free copy of your credit report annually from each credit bureau

To exercise these rights, contact us at david.nataf@orbismortgage.com or +1 (888) 640-6592.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal obligations. Mortgage application records are typically retained for 7 years or as required by law.

8. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date.

10. Contact Us

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