PRIVACY POLICY
Privacy Policy
The Universal Loan Exchange ("ULEX," "we," "our," or "us") is committed to protecting your privacy and safeguarding the personal information you provide. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, communicate with us, or utilize our lending brokerage services.
Information We Collect
We may collect personal information that you voluntarily provide, including but not limited to:
- Full name
- Email address
- Phone number
- Mailing address
- Property information
- Loan and financing information
- Business information
- Documentation submitted in connection with a loan request
- Any other information you choose to provide through our website, forms, phone calls, text messages, or email communications
We may also collect limited technical information such as your IP address, browser type, device information, and website usage data to improve our website and services.
How We Use Your Information
We use your information to:
- Respond to inquiries and requests
- Evaluate financing opportunities
- Process loan applications
- Coordinate with lenders and service providers
- Request supporting documentation
- Schedule appointments
- Provide customer support
- Send important updates regarding your transaction
- Improve our products and services
- Comply with applicable legal and regulatory requirements
Text Messaging (SMS)
If you provide your mobile phone number and consent to receive SMS communications, you agree to receive text messages from The Universal Loan Exchange regarding:
- Loan inquiries
- Financing options
- Application status updates
- Documentation requests
- Appointment reminders
- Underwriting updates
- Closing notifications
- Customer service communications
Message frequency varies depending on your transaction and communication preferences.
Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP.
For assistance, reply HELP or contact us at:
Phone: 443-318-8000
Email: loans@theulex.com lLoans@theulex.com
How We Share Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
We may share your information only when necessary to:
- Submit loan requests to lenders or investors
- Coordinate with title companies, insurance providers, appraisers, or other transaction participants
- Perform services through trusted vendors acting on our behalf
- Comply with legal obligations or lawful requests from government authorities
- Protect our legal rights or prevent fraud
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and service providers necessary to deliver SMS communications.
Data Security
We implement commercially reasonable administrative, technical, and physical safeguards designed to protect the personal information entrusted to us. While no method of transmission or storage is completely secure, we strive to protect your information using industry-standard security practices.
Cookies and Analytics
Our website may use cookies and similar technologies to improve user experience, analyze website traffic, and enhance functionality. You may adjust your browser settings to decline cookies; however, certain website features may not function properly.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices, content, or security of those external websites.
Children's Privacy
Our services are intended for individuals who are at least 18 years of age. We do not knowingly collect personal information from children under 18.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will become effective upon posting the updated policy on this page with a revised Effective Date.
Contact Us
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us:
The Universal Loan Exchange
615 Baltimore Pike, Suite H-1072
Bel Air, MD 21014
Phone: 443-318-8000