Fulcrum Home Loans LLC Privacy Policy
Updated: March 3, 2026
1. INTRODUCTION
Fulcrum Home Loans LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information across our website, services, and SMS/Email communication channels.
2. INFORMATION WE COLLECT
Contact Information: Name, email address, and phone number.
Consent Records: We maintain records of your explicit consent to receive communications, including timestamps, IP addresses, and the specific method of opt-in.
Usage Data: IP address and browser type collected via cookies to improve site performance.
3. HOW WE USE YOUR INFORMATION
We use your information to:
Deliver loan updates, educational content, and membership benefits.
Send requested SMS and email updates (Account/Loan alerts or Marketing, based on your selection).
Comply with legal obligations (TCPA and CAN-SPAM Act).
4. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information. We share information with service providers (payment processors, web hosting) only as necessary to provide our services.
IMPORTANT: Personal information collected for SMS consent (your phone number and opt-in record) is strictly protected and is not shared with any third parties or affiliates for marketing or promotional purposes.
5. DATA RETENTION
We retain consent records for at least 4 years to comply with federal regulations. When no longer required, data is securely deleted or anonymized.
6. YOUR PRIVACY RIGHTS
You have the right to access, correct, or delete your personal information. You may opt-out of marketing at any time by following the instructions in Section 9. For data requests, contact [email protected].
7. SECURITY
We implement SSL/TLS encryption for data in transit and utilize secure access controls to protect your personal information from unauthorized access.
8. COOKIES
We use essential and performance cookies to remember your settings and analyze website traffic. You can manage cookie preferences through your browser settings.
9. ELECTRONIC COMMUNICATIONS
Email: By providing your email, you consent to receive account and promotional updates. You may unsubscribe via the link in any email.
SMS/Text Message Communications: By providing your phone number and checking the SMS opt-in boxes, you expressly consent to receive text messages from Fulcrum Home Loans LLC.
Two-Channel Opt-In: You may choose to receive Informational updates (loan status/alerts), Marketing materials (promotional offers), or both.
Frequency: Message frequency varies; expect up to 10 messages per month.
Costs: Message and data rates may apply.
Opt-Out: Reply STOP to any message to unsubscribe. A confirmation text will be sent to you.
Support: Reply HELP for assistance or email [email protected].
Compliance: Consent is not a condition of purchase. Carriers are not liable for delayed or undelivered messages.
CARRIER COMPLIANCE STATEMENT: Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
10. CONTACT US
Fulcrum Home Loans LLC
Email: [email protected]