Privacy Policy
Important information regarding your privacy and the use of data we collect.
Privacy Policy - OfficeOfHousing.com
1. Our Commitment to Your Privacy
This Privacy Policy describes how AAA Capital Funding, Inc. (referred to herein as "AAA Capital Funding," "we," "us," or "our"), the licensed mortgage entity that powers and supports the educational resource OfficeOfHousing.com, collects, uses, protects, and discloses Non-Public Personal Information (NPI) and other data in connection with your use of this website, its associated services, and all mortgage brokerage services we provide.
As a licensed financial service provider (NMLS ID: 374739), we are committed to protecting the privacy and confidentiality of the information you share with us. This policy applies to all visitors, applicants, and clients. We adhere to all federal and state laws, including the **Gramm-Leach-Bliley Act (GLBA)**, which governs the protection of consumers’ non-public personal information.
2. Entity Identification and Contact Information
This website, OfficeOfHousing.com, is an educational resource supported by:
| Detail | Information |
|---|---|
| Official Entity Name | AAA Capital Funding, Inc. |
| Company NMLS ID | 374739 |
| Principal NMLS ID | Jason J. Sarji, NMLS 374700 |
| Physical Address |
3000 N Federal Hwy, Suite 7,
Fort Lauderdale,
Florida
33306
|
| Primary Phone | 888-601-8344 |
3. Information We Collect
We collect information that falls into two main categories:
A. Non-Public Personal Information (NPI)
NPI includes personally identifiable information and financial data necessary for mortgage consultation, pre-qualification, and loan application processes. This information may be collected via forms on OfficeOfHousing.com, the AAA Capital Funding website, phone calls, or secure document submission. This data includes:
- Identifiers: Name, address, telephone number, email address, Social Security Number.
- Financial Data: Income, assets, debt, bank account information, investment history.
- Employment Data: Employment history, employer contact information, salary verification.
- Credit Data: Credit scores, credit history, payment records, and inquiry data obtained from Consumer Reporting Agencies (CRAs).
- Property Information: Details of the property you intend to buy or refinance (if applicable).
B. Non-Personal Information (NPI)
This information is collected automatically as you browse our site:
- Usage Data: IP address, browser type, operating system, referring pages, pages viewed, and the time and date of your visit.
- Cookies and Tracking: We use cookies, web beacons, and similar technologies to improve site functionality, track usage patterns, and support website personalization and analytics.
4. How We Use the Collected Information
The information collected is used strictly for legitimate business purposes related to mortgage lending and education:
- To Provide Services: To qualify you for loan programs, process your loan application, generate loan estimates, and service your account.
- Regulatory Compliance: To comply with federal and state licensing requirements, anti-money laundering regulations, and mortgage disclosure obligations (e.g., HMDA, TILA, RESPA).
- Communication: To respond to your inquiries, provide customer support, and inform you of your application status.
- Marketing (Optional): To send you informational updates, newsletters, or promotional materials about our services, subject to your clear opt-in consent.
- Website Improvement: To analyze site usage and diagnose technical problems to enhance the user experience on OfficeOfHousing.com.
5. Disclosure of Information to Third Parties
We do not sell NPI to non-affiliated third parties for their independent marketing purposes. We disclose NPI only as necessary to facilitate your mortgage transaction or as required by law. These third parties include:
- Affiliated Companies: Employees, mortgage originators, and affiliated legal entities of AAA Capital Funding, Inc.
- Service Providers: Title companies, appraisers, property insurers, and third-party due diligence firms necessary for loan processing.
- Financial Institutions: Lenders, correspondent banks, and loan investors who may purchase or service your loan.
- Credit Reporting Agencies (CRAs): To verify your creditworthiness during the application process.
- Legal & Regulatory Authorities: As required by law, subpoena, or to comply with official governmental or regulatory audits (including NMLS, HUD, and state regulators).
6. Data Security and Protection
We implement robust administrative, technical, and physical safeguards designed to protect your NPI against unauthorized access, disclosure, alteration, or destruction.
- Encryption: We use Secure Socket Layer (SSL) encryption to protect data transmitted over the internet (e.g., during application submission).
- Access Control: Access to NPI is restricted to employees and affiliated agents who require the information to perform their job duties.
- Physical Security: Secure file storage and access controls are maintained at our physical office location.
7. Your Rights and Choices
You have the following rights regarding the use and sharing of your NPI:
- Opt-Out of Sharing: You have the right to limit the sharing of your NPI with non-affiliated third parties, except as permitted by the GLBA (such as sharing necessary to process your loan). To opt-out of optional marketing communications, please contact us using the information below.
- Access and Correction: You may request access to the NPI we hold about you and request that any inaccurate data be corrected.
- Marketing Opt-Out: You can opt out of receiving marketing emails or calls at any time by following the unsubscribe instructions in the email or contacting us directly.
8. Children’s Privacy
OfficeOfHousing.com and the services of AAA Capital Funding, Inc. are not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take steps to delete the information as quickly as possible.
9. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post the revised policy on this page. We encourage you to review this policy whenever you visit our website.
10. Contact Us
If you have questions or concerns about this Privacy Policy or our practices regarding your NPI, please contact us at:
AAA Capital Funding, Inc. (NMLS ID: 374739)
Attention: Compliance Department
Address: 3000 N Federal Hwy, Suite 7, Fort Lauderdale, Florida 33306
Email: admin@OfficeOfHousing.com
Phone: 888-601-8344