Privacy Policy

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following statement affirms our continued efforts to safeguard customer information, consistent with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws.

We gather nonpublic personal information about our customers as may be necessary to conduct business. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples include your name, address, telephone number, Social Security number, credit history, and other financial information.
• Information about your transactions with us or others. Examples include payment histories, account balances, and account activity.
• Information we receive from a consumer reporting agency. Examples include your credit score, credit reports, and other information relating to your creditworthiness.
• From employers and others to verify information you have given to us. Examples include verifications of employment, income, or deposits.
• Information collected automatically when you use our website, such as IP address, device and browser type, pages visited, and similar usage data collected through cookies and analytics tools (see "Cookies & Analytics" below).

We use the information we collect to:

• Evaluate, process, and service your loan inquiry or application;
• Verify your identity, income, employment, assets, and creditworthiness;
• Communicate with you about your inquiry, application, or our services;
• Comply with applicable legal, regulatory, and recordkeeping obligations; and
• Operate, maintain, secure, and improve our website and services.

Your personal information is treated as confidential within our firm, and we require strict adherence by all of our employees to our data-protection and confidentiality policies. Your personal information will be retained for the purpose of providing you with our services and our response to your query, and will not be made available to any third party except as described below or as required to be disclosed under law.

We may share nonpublic personal information as permitted by law with:

• Lenders, investors, and other settlement-service providers as necessary to process, underwrite, and close your loan;
• Service providers and vendors who perform services on our behalf (such as credit reporting, verification, document, hosting, and communications providers) under confidentiality obligations;
• Our affiliated companies, as described below and in our Affiliated Business Arrangement disclosure; and
• Government, regulatory, or law-enforcement authorities when required by law, subpoena, or to protect our legal rights.

We do not sell your personal information. By submitting data on our website, you provide consent to the transmission of data collected on the website for the purposes described in this policy.

Ai Remco LLC (mortgage services) and Ai Real Estate LLC (real estate and insurance services) are affiliated companies under common ownership. We may share information between these affiliates in connection with services you request. Your use of any affiliated company is voluntary and is never a condition of receiving services from another. See our Licensing & Disclosures page for our Affiliated Business Arrangement disclosure.

Our website uses cookies and similar technologies to operate the site, remember your preferences, and understand how the site is used. We use analytics services (such as Google Analytics) that may set cookies and collect usage information to help us improve our content and performance. Where required, we request your consent to non-essential cookies through our cookie banner, and you can adjust your choices at any time.

You can also control cookies through your browser settings. Disabling cookies may affect how parts of the site function. We honor recognized opt-out signals where applicable.

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information, and we restrict access to those employees and service providers who need it to provide services to you. While we use industry-standard measures to protect your data, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

We retain your personal information for as long as necessary to provide our services, to comply with our legal, regulatory, tax, and recordkeeping obligations (including federal and state mortgage record-retention requirements), to resolve disputes, and to enforce our agreements. When information is no longer required, we dispose of it in a secure manner.

Depending on your state of residence and applicable law, you may have the right to request access to the personal information we hold about you, to request that it be corrected or deleted, and to opt out of certain processing. New Jersey residents may have additional rights under the New Jersey Data Privacy Act. To exercise any of these rights, contact us using the information below; we will verify your request and respond as required by law. We will not discriminate against you for exercising your privacy rights.

When you provide your phone number, you consent to be contacted by Ai Remco LLC at that number — including by telephone and SMS/text message — regarding your inquiry, application, and our services, including through an automated dialing system or prerecorded messages where applicable. Consent to receive marketing calls or texts is not a condition of any loan or service. Message and data rates may apply, and message frequency varies. You may opt out of text messages at any time by replying STOP, and reply HELP for help. See our Terms of Service for additional messaging terms.

Our website and services are intended for adults and are not directed to children under 13 (or under 16 where applicable). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.

Our website may contain links to other sites that are not governed by this or any other privacy statement of Ai Remco LLC. We are not responsible for the content or privacy practices of third-party websites. We encourage you to review the privacy policies of any site you visit.

We reserve the right to amend (that is, add to, delete, or change) the terms of this Privacy Policy from time to time. Changes are effective when posted to this page, and we will update the "Last updated" date above.

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us:

Ai Remco LLC
NMLS #2560393
174 Lamington Rd #104, Oldwick, NJ 08858
Phone: (732) 561-4292
Email: info@airemco.com