Optimal Mortgage · Legal

Privacy Policy

Effective Date: May 1, 2026  ·  Last Updated: May 1, 2026

Optimal Mortgage LLC ("Optimal Mortgage," "we," "us," or "our") is committed to protecting the privacy and security of individuals who access and use this website. This Privacy Policy applies only to information collected through this Site and is separate from any privacy notice you may receive in connection with a customer relationship.

Information we collect

When you visit this Site, we automatically collect certain technical information, including your IP address, browser type, operating system, device identifiers, pages viewed, approximate location based on IP address, and related usage data. This information is used in aggregated form for analytics, security, and site improvement.

If you submit information through this Site for the purpose of obtaining mortgage services, we may collect personal and financial information including:

• Name, mailing address, email address, phone number, and other contact details
• Employment history, income, and asset information
• Social Security number and identification information
• Credit information and credit balances
• Property information and property insurance details
• Payment history, account balances, and transactional information
• Information obtained from consumer reporting agencies

How we use your information

Personal and financial information is used only for legitimate business purposes, including:

• Responding to your questions or requests
• Evaluating eligibility for mortgage products and services
• Processing and closing mortgage transactions
• Communicating with you about your inquiry, application, or loan
• Improving our website, services, and user experience
• Detecting, preventing, and responding to fraud and security incidents
• Complying with legal and regulatory obligations

Sharing of information

Optimal Mortgage does not sell personal information to third-party marketers. We may share information with trusted third-party service providers as necessary to process and close your mortgage transaction — including companies assisting with credit reports, underwriting, appraisals, title services, flood determination, insurance, document preparation, e-signature, and compliance services. Third-party providers are permitted to use personal information only to perform services on our behalf and are required to maintain confidentiality.

We may also disclose information as required by law, subpoena, governmental request, court order, or other legal process, or to protect our rights, property, and contractual obligations.

Federal and Florida privacy compliance

Optimal Mortgage LLC is subject to privacy and information-safeguarding requirements under applicable federal and state law, including:

• Gramm-Leach-Bliley Act (GLBA) & FTC Safeguards Rule (16 CFR Part 314) — We maintain a written Information Security Program governing the collection, storage, and protection of nonpublic personal information (NPI). NPI includes any personally identifiable financial information you provide to us or that we obtain in connection with providing mortgage services. If you become a customer, you may receive a separate GLBA Privacy Notice describing our information sharing practices and your opt-out rights.
• Fair Credit Reporting Act (FCRA) / FACTA — When you apply for a mortgage, we obtain credit reports from consumer reporting agencies. We use credit information only as permitted by law. If a credit score is obtained, we provide a Notice to Home Loan Applicant disclosing your credit score, the bureau source, and adverse factor codes. You have rights under the FCRA regarding your credit file, including the right to dispute inaccurate information.
• CFPB Regulations — Our mortgage origination activities are subject to oversight by the Consumer Financial Protection Bureau (CFPB). We comply with all applicable CFPB regulations, including those governing mortgage disclosures (TRID), loan originator compensation, and consumer data rights.
• Florida Chapter 494 (Mortgage Brokerage) — We comply with all Florida state privacy and data protection requirements applicable to licensed mortgage brokers, including the Florida Office of Financial Regulation (OFR) examination standards.

Nonpublic personal information (NPI)

Under the Gramm-Leach-Bliley Act, "nonpublic personal information" (NPI) means personally identifiable financial information — and any list, description, or grouping of consumers derived from such information — that is not publicly available. Examples of NPI we collect include your income, assets, credit history, Social Security number, loan application information, and account balances. We protect NPI in accordance with our written Information Security Program and the FTC Safeguards Rule (16 CFR Part 314).

We do not sell NPI to third-party marketers. We share NPI only as necessary to complete your mortgage transaction, comply with legal requirements, or as otherwise permitted under the GLBA and applicable law.

Cookies and tracking

This Site may use cookies and similar tracking technologies for analytics and site functionality. You may disable cookies through your browser settings. Disabling cookies may affect some Site features but will not prevent you from accessing content.

Data security

We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet is completely secure. We cannot guarantee the absolute security of information submitted through this Site.

Third-party links

This Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party site you visit.

Children's privacy

This Site is not directed to children under the age of 13. We do not knowingly collect personal information from children. If we become aware that a child has submitted personal information, we will promptly delete it.

Changes to this policy

We may update this Privacy Policy periodically. The effective date at the top of this page reflects the date of the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated policy.

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