PRIVACY POLICY — Todd Uzzell Mortgage
Last Updated: July 2026
1. INTRODUCTION
Todd Uzzell Mortgage (“we,” “us,” “our,” or “Company”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Site”) and engage with us for mortgage lending services.
Licensed Mortgage Lender:
Todd Uzzell, NMLS #1525192
Starboard Financial, NMLS #156931
BK-0910725
4145 E Baseline Rd, Gilbert, AZ 85234
Phone: 480-330-1724
PLEASE READ THIS PRIVACY POLICY CAREFULLY. IF YOU DO NOT AGREE WITH OUR POLICIES AND PRACTICES, PLEASE DO NOT USE OUR SITE.
2. INFORMATION WE COLLECT
We collect information in the following ways:
a) Information You Provide Directly
– Contact forms (name, email, phone, property details, loan amount, credit range)
– Pre-qualification forms (income, employment, down payment, credit profile)
– Email inquiries and messages
– Phone consultations
– Document uploads (pay stubs, tax returns, bank statements)
b) Information Collected Automatically
– Browser type, IP address, device type, and operating system
– Pages visited, time spent on pages, links clicked
– Referring website or search query
– Cookies and similar tracking technologies via Google Analytics
c) Third-Party Sources
– Credit bureaus (for pre-qualification estimates only)
– Property information databases (for property valuations)
– Consumer reporting agencies (as permitted by FCRA)
3. HOW WE USE YOUR INFORMATION
We use the information we collect to:
– Process and respond to your mortgage inquiries
– Provide pre-qualification estimates and loan options
– Communicate about your application and loan status
– Comply with federal and state lending regulations (TILA, RESPA, ECOA, FCRA, GLBA)
– Prevent fraud and verify identity
– Improve our Site and lending services
– Send marketing communications (with your consent)
– Respond to legal requests and regulatory inquiries
Your information is NOT sold to third parties. We do not share personal information except as required by law or as necessary to complete your loan (e.g., with title companies, appraisers, underwriters, investors, or regulators).
4. LEGAL BASIS FOR PROCESSING
Under the Gramm-Leach-Bliley Act (GLBA), we are a financial institution and protect consumer financial information. We collect and use your information based on:
– Your consent (pre-qualification forms, opt-in communications)
– Contractual necessity (to process your loan application)
– Legal obligation (regulatory compliance, anti-money laundering, fraud prevention)
– Legitimate business interests (improving services, Site security)
5. DATA RETENTION
– Application data: Retained for 3 years (TRID/RESPA requirement) or as required by law
– Website analytics: Retained for 26 months (Google Analytics default)
– Marketing lists: Retained until you unsubscribe or request deletion
– Legal/compliance records: Retained as required by federal and state law
6. SECURITY
We implement industry-standard security measures including SSL encryption, secure file transfer, and restricted access to sensitive data. However, no transmission over the internet is 100% secure. We encourage you to use strong passwords and avoid public Wi-Fi when entering sensitive information.
7. COOKIES AND TRACKING
Our Site uses Google Analytics to understand how visitors interact with our content. These cookies collect anonymous, aggregated data only. We do not use cookies to track personal information. You can opt out of Google Analytics tracking via browser settings or the Google Analytics opt-out extension.
8. YOUR RIGHTS
Depending on your location, you may have the right to:
– Access your personal information
– Correct inaccurate information
– Request deletion (subject to legal retention requirements)
– Opt out of marketing communications
– Request a list of third parties who received your information (GLBA privacy notice)
To exercise these rights, contact us at [email protected] or 480-330-1724.
9. CALIFORNIA & ARIZONA PRIVACY RIGHTS
Under California Consumer Privacy Act (CCPA) and Arizona Privacy Act (APA), California and Arizona residents have additional rights, including the right to know, delete, and opt-out of sale of personal information. Todd Uzzell Mortgage does not sell personal information. For requests, email [email protected] with your full name and the address associated with any inquiry.
10. CHILDREN’S PRIVACY
Our Site is not directed to children under 18. We do not knowingly collect information from children. If we become aware that a child has provided us information, we will delete it immediately.
11. THIRD-PARTY LINKS
Our Site may contain links to third-party websites (realtor sites, property databases, financial resources). We are not responsible for their privacy practices. We encourage you to review their privacy policies before providing information.
12. CHANGES TO THIS POLICY
We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on this page with a revised “Last Updated” date. Your continued use of the Site constitutes acceptance of the updated policy.
13. CONTACT US
For questions about this Privacy Policy or to exercise your privacy rights:
Todd Uzzell Mortgage
Email: [email protected]
Phone: 480-330-1724
Address: 4145 E Baseline Rd, Gilbert, AZ 85234
NMLS #1525192 | Starboard Financial NMLS #156931
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COMPLIANCE NOTICE: As a licensed mortgage lender, we comply with TILA, RESPA, ECOA, FCRA, GLBA, and all applicable federal and state lending and privacy laws. This Privacy Policy does not constitute legal advice. For specific questions about lending practices or regulations, consult the Consumer Financial Protection Bureau (CFPB.gov) or your state attorney general’s office.