All of our legal polices so we can be open about our service and you can be informed on how things work.
Licensing information can be verified at: https://www.nmlsconsumeraccess.org/
|State: License||License Name|
|AK: AK140234||Alaska Mortgage Broker/Lender License|
|AL: 22428||Alabama Consumer Credit License|
|AR: 112270||Arkansas Combination Mortgage Banker-Broker-Servicer License|
|AZ: 0923263||Arizona Mortgage Banker License Other Trade Name #1 25030 S. 190th St. Queen Creek, AZ 85142 (877) 959-9992.|
|CA: 4131187||California DBO Residential Mortgage Lending Act License. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act|
|CO: N/A||Colorado Mortgage Company Registration|
|CT: ML-140234||Connecticut Mortgage Lender License|
|DE: 024522||Delaware Lender License|
|DC: MLB140234||District of Columbia Mortgage Lender License|
|FL: MLD571||Florida Mortgage Lender License|
|FL: MLD1099||FLORIDA MORTGAGE LENDER SERVICER LICENSE|
|GA: 36905||Georgia Mortgage Lender License|
|HI: 140234||Hawaii Mortgage Loan Originator Company License|
|ID: MBL-9323||Idaho Mortgage Broker/Lender License|
|IL: MB.6850022||Illinois Residential Mortgage Licensee Illinois Department of Financial and Professional Regulation, 310 S. Michigan Ave, Suite 2130, Chicago, IL 60604-4278, (312) 793-3000|
STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
|IN: 11106||Indiana-DFI First Lien Mortgage Lending License|
|IA: 2017-0091||Iowa Mortgage Banker License|
|KS: MC.0025484||Kansas Mortgage Company License|
|KY: MC24420||Kentucky Mortgage Company License|
|LA: N/A||Louisiana Residential Mortgage Lending License|
|MD: 20543||Maryland Mortgage Lender License|
|MA: ML140234||Massachusetts Mortgage Lender License|
|ME: 140234||Maine Supervised Lending License|
|MI: FL0018698||Michigan 1st Mortgage Broker/Lender License|
|MN: MN-MO-40168356||Minnesota Residential Mortgage Originator License|
|MS: 140234||Mississippi Mortgage Lender License|
|MO: 17-2355||Missouri Company Registration. Missouri Branch: 16690 Swingley Ridge Rd., Ste. 240, Chesterfield, MO 63017|
|MT: 140234||Montana Mortgage Lender License|
|NE: N/A||Nebraska Mortgage Banker License|
|NH: 22320-MB||New Hampshire Mortgage Banker License|
|NM: N/A||New Mexico Mortgage Loan Company License|
|NJ: N/A||New Jersey Residential Mortgage Lender License. Licensed by the NJ Department of Banking and Insurance|
|NC: L-156423||North Carolina Mortgage Lender License|
|ND: MB102030||North Dakota Money Broker License|
|NV: 4785||Nevada Mortgage Banker License|
|NY: LMB 109955||New York Mortgage Banker License|
|OH: MB.803441.000||Ohio Mortgage Broker Act Certificate of Registration|
|OK: ML011482/ML011483||Licensed as a Mortgage Lender by the Department of Consumer Credit|
|OR: ML-5189||Oregon Mortgage Lending License|
|PA: 40564||Pennsylvania Mortgage Lender License|
|RI: 20173524LL||Rhode Island Lender License|
|SC: MLS-140234||South Carolina – BFI Mortgage Lender/Servicer License|
|SD: ML.05173||South Dakota Mortgage Lender License|
|TN: 109035||Tennessee Mortgage License|
|TX: N/A||“Texas SML Mortgage Banker Registration CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV.”|
|UT: 10436296||Utah – DRE Mortgage Entity License|
|VT: 7112 7113||Vermont Lender License|
|VA: MD-5717||Virginia Lender License NMLS ID 140234 (www.nmlsconsumeraccess.org)|
|WA: CL-140234||Washington Consumer Loan Company License|
|WV: ML-32371||West Virginia Mortgage Lender License|
|WI: 720832BA||Wisconsin Mortgage Banker License|
|WY: 3072||Wyoming Mortgage Lender/Broker|
|Facts||What Does Keller Mortgage Do With Your Personal Information?|
|WHY?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.|
|WHAT?||The type of personal information we collect and share depend on the product or service you have with us. This information can also include: • Social Security number and income • Credit scores and credit history • Account balances and mortgage rates and payments. When you are no longer our customer, we continue to share your information as described in this notice.|
|HOW?||All financial companies need to share Customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies share thier Customers’ personal information; the reasons Keller Mortgage chooses to share, and whether you can limit this sharing.|
|Reasons we share your personal information||Does Keller Mortgage share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, improve our products and services for you, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.||Yes||No|
|For our marketing purposes – to offer other products and services to you.||Yes||No|
|For joint marketing with other financial companies.||No||We Don't Share|
|For our affliates’ everyday business purposes – Information about your transactions and experiences.||Yes- With Permission||Yes|
|For our affliates' everyday business purposes – Information about your creditworthiness.||Yes||Yes|
|For our affiliates to market to you.||Yes||Yes|
|For non-affiliates to market to you.||No||We Don't Share|
|To limit our sharing:||Call 888-766-2678 – our menu will prompt you through your choices, or • Visit us online at www.kellermortgage.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.|
|Questions?||Call 888-766-2678 or visit www.kellermortgage.com|
|Who is Providing this Notice?||Keller Mortgage|
|How Does KM protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We may enter into agreements with other companies to provide products and services to us and to you. These companies must safeguard your information and use it for specific purposes.|
|Why can't I limit all sharing?||Federal laws give you the right to limit only: • Sharing for affiliates everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. We also allow you to request that we not market to you by phone, fax, and/or e-mail.|
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices apply to everyone on your account.|
|Afiliates||Companies related by common ownership or control. They can be financial and non-financial companies. • Keller Mortgage only shares personal information with our affiliated businesses.|
|Non-Affiliates||Companies not related by common ownership or control. They can be financial and non-financial companies. • Non-affiliates we share with can include insurance, title, and escrow companies, credit bureaus. appraisers, lenders, investors and mortgage services.|
|Joint Marketing||A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Keller Mortgage does not jointly market.|
While Keller takes reasonable and appropriate precautions to protect its customers and to prevent possible security breaches in our website and customer databases, no website, internet transmission, computer system or wireless connection is completely secure. Consequently, Keller cannot guarantee that unauthorized access, hacking, data loss or other breaches will never occur. YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR OWN RISK. Keller does not make any express or implied warranties, representations or endorsements with respect to links, files or other information provided on, downloaded from or accessed through this website. This website may also provide links or data connections to third-party websites or web applications. Keller does not control the content of third-party sites and cannot be held responsible or liable for the content or accuracy of any external websites.
By using this website or any website managed by Keller, you agree that Keller shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this website, its data connections, links, applications, downloadable files or other information or functions contained herein or found on any website that may be accessed or connected to by way of this website. We reserve the right to make changes to Keller’s websites and our legal disclaimers. We encourage you to review Keller’s websites and these disclaimers periodically for any updates or changes. Your continued access or use of Keller’s website shall be deemed your acceptance of these disclaimers and any subsequent changes.
Use of this website is at your sole risk. All materials, information, products, software, programs, and services are provided “as is,” with no warranties or guarantees whatsoever. Keller expressly disclaims to the fullest extent permitted by law all express, implied, statutory, and other warranties, guarantees, or representations, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary and intellectual property rights. Without limitation, keller makes no warranty or guarantee that this website will be uninterrupted, timely, secure, or error-free. You understand and agree that if you download or otherwise obtain materials, information, products, software, programs, or services, you do so at your own discretion and risk and that you will be solely responsible for any damages that may result, including loss of data or damage to your computer system. Some jurisdictions do not allow the exclusion of warranties, so the above exclusions may not apply to you.
In no event will Keller be liable to any party for any direct, indirect, incidental, special, exemplary or consequential damages of any type whatsoever related to or arising from this website or any use of this website, or of any website or resource linked to, referenced, or accessed through this website, or for the use or downloading of, or access to, any materials, information, products, or services, including, without limitation, any lost profits, business interruption, lost savings or loss of programs or other data, even if keller is expressly advised of the possibility of such damages. This exclusion and waiver of liability applies to all causes of action, whether based on contract, warranty, tort, or any other legal theories.
This website and any of its content may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without Keller‘s prior written consent, except that Keller grants you a non-exclusive, non-transferable, limited license to access and display the pages within this website solely on your computer and for your personal, non-commercial use. This permission is conditioned on your not modifying the content displayed on this website, your adherence to and positing of all copyright, trademark, and other proprietary notices. Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any website content and hereby disclaim any such right. Notwithstanding the foregoing, any software and other materials that are made available for downloading, access, or other use from this website may be subject to their own license terms or restrictions, which may govern their use. You may not use this website’s content, domain names, or any email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any such content in or as any meta-tag or hidden text; In or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as this website or controls the content of any other Internet browser window. Your failure to comply with the terms, conditions, and notices on this website will result in automatic termination of any rights granted to you without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission previously defined, Keller does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this website on another Website or in any other media.
Keller respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this website and Services. Keller may gather information that personally identifies users of this website, even if you provide such information to us. For example, Keller will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this website. We will also collect nonpublic personal information about you and members of your household in connection with your agreements, applications or transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this website, the products or services you inquire about or select and the type of product or service you agree to undertake. Information collected may include: information we receive from you on applications, agreements and other forms; information about your transactions with us, our affiliates or others; information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this website or interest in products and services related to those offered by Keller and interaction with other web-based or mobile applications; information we receive from consumer reporting agencies and other sources; and with your consent, we may ask a third party providers to confirm or give us more details about your applications, inquiries or transactions with us or others.
Some of the services on the website may ask you to submit personally identifiable information about other people. For example, you might submit a person’s name and other personally identifiable information if you are interested in a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.
Effective Date: Feb. 23, 2017
Keller Mortgage, LLC which may also do business as Smarter Mortgages and/or Keller Mortgage (“Keller”, “we”, “us” or “our”) respects your privacy and it is important to us. This California Consumer Privacy Act Disclosure for California Residents explains how Keller collects, uses, and discloses personal information relating to California residents and applies solely to all visitors to our website and users of any loan forms, applications or services who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA or the applicable regulation have the same meaning when used in this notice.
We collect the following personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, Keller has collected the following categories of personal information from its consumers within the last twelve (12) months:
|A. Identifiers||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.||YES|
|C. Protected classification characteristics under California or federal law.||Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, or genetic information.||YES|
|D. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO|
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||NO|
|G. Geolocation data.||Physical location or movements.||NO|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||NO|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||YES|
|J. Non-public education information (per the Family Educational Rights & Privacy Act) (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)||Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||NO|
|K. Inferences drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||NO|
Your use of this website or any Services or information derived from this website constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this website are hereby incorporated by reference.
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
Keller discloses the personal information in the above categories for business or commercial purposes as set forth in the following section. We do not sell your personal information. However, we may use and disclose certain anonymized information, such as website and mobile application usage data, to our trusteed business partners. Such information may be shared as permitted or required by applicable law.
Keller will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.
In addition to the uses mentioned or described elsewhere in this Privacy Notice, Keller may disclose your personal information to a third party for a business purpose. Keller may catalog and add collected information to our database which may be shared with our affiliates.
Keller discloses your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category I: Professional or employment-related information.
In the preceding twelve (12) months, Keller has not sold any personal information subject to the CCPA, including personal information of minors under the age of 16. For purposes of this Privacy Notice, “sold” means the disclosure of personal information to a third-party for monetary or other valuable consideration.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months
Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you or an authorized agent may make a verifiable consumer request related to your personal information. “Authorized Agent” means a natural person or business entity registered with the California Secretary of State that a consumer has authorize to act on their behalf subject to the requirements. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Keller cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Keller aims to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We do not sell your personal information. As such, there is no financial incentive for encouraging you to opt in for sale of such information.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Keller Mortgage reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (888) 766-2678
4725 Lakehurst Drive
Dublin, Ohio 43016