Excel Realty & Mortgage (DBA InstaFi Home Loans) Privacy Policy
Effective Date: 01/01/2021
This Privacy Policy describes how Excel Realty & Mortgage (“Company,” “we,” “us,” or “our”) collects, uses, maintains, and discloses information from users (“User” or “you”) of our website (the “Site”) and all products and services offered by Company.
Personal Information Collection:
We may collect personal information from Users in various ways, including when Users visit our Site, register on the Site,1 subscribe to a newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features, or resources we make available on our Site. This information may include name, email address, and phone number. Users may visit our Site anonymously, but choosing to withhold certain information may prevent them from engaging in specific Site-related activities. We only collect personal information if you voluntarily submit it to us.
Non-Personal Information Collection:
We may collect non-personal information about Users whenever they interact with our Site. This information may include the browser name, the type of computer, technical information about Users’ connection to our Site (such as the operating system and Internet service providers utilized), and other similar information.
Cookies:
Our Site may use “cookies” to enhance User experience. Cookies are placed on Users’ hard drives for record-keeping purposes and sometimes to track information about them. Users can choose to set their web browser to refuse cookies or to alert them when cookies are being sent. However, if they do so, some parts of the Site may not function properly.
Use of Collected Information:
We may collect and use Users’ personal information for the following purposes:
- Improving Customer Service: Information you provide helps us respond to your customer service requests and support needs more efficiently.
- Personalizing User Experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
- Improving our Site: We may use your information to improve our Site.
- Completing Requested Services: Information is used to complete the services requested by the user.
SMS/Text Messaging:
- No Mobile Information Sharing: No mobile information will be shared, as described in §5.1.4 of CTIA Messaging Principles and Best Practices, with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
- Consent to Messaging: Users may consent to messaging by filling out a form on the website where they can consent to receive notification messages from our company. This form may also include an option to receive product updates and/or marketing messages. The messaging disclosure is displayed to users via this form. By submitting your phone number, you are authorizing us to send you text messages and notifications. Message frequency may vary. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us. Carriers are not liable for delayed or undelivered messages. Text HELP for help.
- Message Frequency: Message frequency varies per user.
- Message and Data Rates: Message and data rates may apply.
Protection of Information:
We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site. Our Site is in compliance with PCI vulnerability standards to create as secure of an environment as possible for Users.
Children’s Online Privacy Protection Act Compliance:
Protecting the privacy of young children is especially important. We never knowingly collect or maintain information at our Site from those we know are under 13, and no part of our website is structured to attract anyone under 13.
Changes to this Privacy Policy:
Company has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. However, as stated above, Company will never share mobile information with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; again, this information will not be shared with any third parties.
Acceptance of these Terms:
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
ADA Accessibility Statement:
We’re committed to providing a website that is accessible to all its customers and compliant with accessibility guidelines. We are continually making improvements to meet these guidelines, and our website has been designed with accessibility in mind. If you need assistance or have specific questions or feedback about this site’s accessibility, please contact us.
Licensing:
Our company is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture, or the Federal Government. This material is informational only and does not constitute an offer to lend or recommend available products. This is not an advertisement to extend credit as defined by Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based upon the credit, assets, value of subject property, and borrower’s ability to repay. Not all applications may be eligible for or qualify for all loan products offered. All loan programs, terms, rates, fees, and conditions are subject to change without notice. Some loan products may not be available in all states. Please speak with one of our loan originators for more details.
Last Updated: January, 2025
