Privacy Policy

Effective Date: July 21, 2025

At the Ray Campbell Team at Nova Home Loans, your privacy and data security are paramount. We comply with all applicable federal and state lending and real estate laws—including the Gramm–Leach–Bliley Act (GLBA), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Mortgage Disclosure Act (HMDA), Texas Finance Code, and relevant data privacy regulations like CCPA and Texas Consumer Privacy laws.

1. Who We Are

The Ray Campbell Team operates under Nova Home Loans (NMLS #3087). We are a licensed originator and servicer of mortgage loans. This Privacy Policy supplements Nova’s corporate disclosures and governs our collection and use of data via our website and digital services.

2. Information We Collect

We collect two categories of information:

A. Information You Provide

• Personal identification: name, address, phone, email
• Sensitive identifiers: SSN, driver’s license
• Financial data: income, assets, liabilities, credit history
• Property details, loan applications, legal documents

B. Automatically Collected Data

• Device, browser, and usage analytics
• IP addresses, cookie identifiers, and tracking pixels

3. How We Use Your Information

We process your information to:

• Evaluate mortgage eligibility, verify documentation, and process your loan.
• Communicate throughout application, underwriting, and servicing.
• Comply with HMDA reporting and Texas Finance Code.
• Enhance website performance, offer product recommendations, and execute marketing.

We do not sell your personal information to any third party. Under GLBA, CCPA, and Texas Privacy statutes, you may opt out of data sharing where allowed.

4. Third-Party Disclosures

We may share your data with:

• Nova Home Loans underwriting, processing, and servicing teams.
• Credit bureaus and verifiers for credit/personal information checks.
• Appraisers, title agents, real-estate professionals, as needed for your loan.
• Regulatory bodies (HUD, CFPB, TX Department of Savings & Mortgage Lending).
• Technology partners—CRM, analytics, email, marketing services.

All third-party partners are contractually bound to protect your information in compliance with GLBA, Texas law, and GDPR-like standards where applicable Nova Financial LLC+11novahomeloans.com+11novahomeloans.com+11novahomeloans.com+5novahomeloans.com+5Nova Home Loans - The A-Team - Arrowhead+5novahomeloans.comnovahomeloans.com+4novahomeloans.com+4novahomeloans.com+4.

5. Your Privacy Rights

Under federal and state law, you have the right to:

• Access: Request the personal information we hold.
• Correct: Ask us to update or correct inaccuracies.
• Delete/Restrict: Opt to delete or restrict processing (subject to record-keeping laws).
• Opt-Out: Refuse marketing or non-essential data sharing under CCPA/CCPA-equivalent Texas law.
• Withdraw Consent: Withdraw any consent you’ve given, where applicable.

We will honor your request promptly, except where prohibited by law (e.g. HMDA and GLBA require retention of certain records).

6. Data Security

We employ industry-standard safeguards:

• SSL/TLS encryption across all digital forms.
• Secure data storage with access limited to authorized personnel.
• Firewalls, intrusion detection, password protection, and employee training.
• Annual audits to ensure regulatory compliance.

Although no system is impervious, we employ robust measures to minimize risk.

7. Cookies & Tracking

We and our partners use cookies, pixels, and local storage to:

• Enhance navigation and site performance.
• Analyze traffic and user behavior (e.g., Google Analytics).
• Support targeted marketing (e.g., Facebook Pixel).

You may manage or disable cookies via your browser—but note, this may limit site functionality.

8. Legal Disclosures & Compliance

We make disclosures as required by:

• GLBA: Annual privacy notices, and opportunity to opt-out of sharing with unaffiliated third parties novahomeloans.comnovahomeloans.comNova Financial LLCWikipedia.
• RESPA/TILA: Required consumer disclosures during the mortgage process.
• HMDA: Aggregate borrower data (e.g., race, income, loan type) submitted to regulators novahomeloans.com+13Wikipedia+13novahomeloans.com+13.
• Texas Finance Code: License #3087; you may file complaints with the Texas Department of Savings & Mortgage Lending (1‑877‑276‑5550; sml.texas.gov) novahomeloans.com+4novahomeloans.com+4novahomeloans.com+4.

9. Children’s Privacy

Our services are not directed at individuals under 18. We do not knowingly collect such data. If discovered, we will promptly delete it.

10. Policy Updates

We may update this policy to reflect changes in law or operations. Updates take effect when posted. We will notify existing customers annually or as required by GLBA, Texas law, or CCPA.

11. Contact Us

Ray Campbell Team at Nova Home LoansBusiness Address: 6245 E. Broadway Blvd, Ste 400, Tucson, AZ 85711
Phone: (800) 955‑9125
Email: privacy@novahomeloans.com

Texas Compliance Contacts:Texas Dept. of Savings & Mortgage Lending
2601 N Lamar Blvd, Ste 201, Austin, TX 78705
Hotline: 1‑877‑276‑5550
Recovery Fund Claims: see sml.texas.gov Nova Financial LLCnovahomemortgage.com+8novahomeloans.com+8novahomeloans.com+8

By continuing to submit information or use our services, you acknowledge and accept this policy as of July 21, 2025.

Appendix: Key Disclosures

• Nova Home Loans NMLS #3087 operates under Nova Financial & Investment Corp. Licensed in TX, CA, WA. novahomeloans.com+6novahomeloans.com+6novahomeloans.com+6
• You can view Nova’s corporate-level Privacy & CCPA notices via site footer links—all apply to your Ray Campbell Team experience.

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