Allegiant Lending Firm Privacy Policy
Effective Date: June 28, 2026
At Allegiant Lending Firm ("Company," "we," "our," or "us"), we are committed to protecting the privacy and security of the personal information entrusted to us by our clients, prospective clients, business partners, and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in connection with our mortgage brokerage and lending-related services. By using our website, submitting information to us, or engaging our services, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect personal, financial, and non-public information directly from you, from third parties, and through automated technologies. This may include your name, date of birth, Social Security Number, government-issued identification, contact information, employment and income information, credit history, bank account information, account balances, transaction history, tax returns, W-2s, pay stubs, investment information, mortgage obligations, IP address, browser information, device information, website usage, and related technical data.
2. How We Collect Information
Information may be collected through loan applications, website forms, document uploads, credit reporting agencies, employers, financial institutions, government agencies, public records, cookies, analytics tools, and authorized third-party verification providers.
3. How We Use Your Information
We use your information to evaluate mortgage eligibility, verify identity, prevent fraud, obtain underwriting approvals, process and service loans, communicate with you, comply with legal requirements, improve our services, conduct internal audits, and market products where permitted by law.
4. Information Sharing and Disclosure
We do not sell your personal information. We may share information with lenders, investors, loan servicers, title companies, appraisal companies, insurance providers, compliance vendors, document preparation providers, technology and cloud providers, financial account verification providers (including Plaid), regulators, law enforcement when legally required, and in connection with a merger, acquisition, or sale of the business.
5. Consumer Financial Information
We comply with applicable provisions of the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), SAFE Act, and applicable state privacy laws. We maintain physical, technical, and administrative safeguards designed to protect non-public personal information.
6. Bank Account Verification and Financial Data Access
To verify assets, income, and other financial information, Allegiant Lending Firm may utilize Plaid Inc. ("Plaid") and other authorized financial data providers. When you voluntarily connect your financial account through Plaid, you authorize Plaid and Allegiant Lending Firm to securely access information from your selected financial institution, including account ownership information, balances, transaction history, income deposits, and other financial information necessary to evaluate and process your mortgage application. This information is used solely for mortgage qualification, underwriting, fraud prevention, regulatory compliance, and related business purposes. For additional information regarding how Plaid collects, uses, and protects your information, please review Plaid's End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy. If you choose not to use Plaid, we may request traditional documentation such as bank statements or other financial records.
7. Cookies and Tracking Technologies
Our website may use cookies, analytics tools, session tracking technologies, and security monitoring technologies to improve functionality, analyze traffic, enhance user experience, and detect fraud.
8. Data Security
We employ encrypted transmission, secure document storage, access controls, multi-factor authentication where applicable, and employee privacy training. No system can guarantee absolute security.
9. Data Retention
We retain information only as long as necessary to complete business purposes, satisfy legal and regulatory obligations, resolve disputes, and enforce agreements.
10. Your Privacy Rights
Depending on applicable law, you may request access, correction, deletion where permitted, limitation of certain processing, or additional information regarding our information practices by contacting us.
11. Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their privacy policies.
12. Children's Privacy
Our services are intended for individuals 18 years of age or older. We do not knowingly collect information from children under 13.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any revisions will be posted with a revised effective date.
14. Contact Information
Allegiant Lending Firm
3535 E 3rd St.
Panama City, FL 32401
Phone: 850-481-8085
Email: wpholt@allegiantlendingfirm.com
Website: www.allegiantlendingfirm.com