PRIVACY POLICY

1. Who We Are

Closing Save is an informational, marketing, and referral platform that helps consumers explore closing-related services and may connect consumers with third-party providers, including mortgage lenders, mortgage brokers, real estate professionals, title companies, escrow companies, settlement agents, closing attorneys, insurance agents, home warranty companies, moving services, and other home-purchase, refinance, or closing-related service providers.

Closing Save is not a lender, mortgage broker, real estate broker, title company, escrow company, settlement agent, closing attorney, law firm, credit repair company, debt relief company, insurance company, or financial advisor.

2. Notice at Collection

We may collect personal information when you visit the website, submit a form, call us, text us, email us, use chat tools, interact with advertisements, or otherwise communicate with us.

We may collect personal information for the following purposes:

• responding to your inquiry;
• helping you explore closing-related services;
• connecting you with third-party providers;
• operating our referral and lead-generation business;
• communicating with you;
• documenting consent;
• complying with legal obligations;
• preventing fraud;
• improving the website;
• advertising and analytics.

We may disclose, sell, or share certain personal information with third-party providers, referral partners, lead buyers, lead sellers, advertising partners, service providers, and other third parties as described in this Privacy Policy.

Some state privacy laws may define these disclosures as a “sale,” “sharing,” or use for “targeted advertising,” even if no money is exchanged directly for personal information.

California privacy law gives covered consumers rights such as access, deletion, correction, opt-out of sale or sharing, limitation of sensitive personal information, and non-discrimination.

3. Personal Information We Collect

We may collect the following categories of personal information.

A. Identifiers

This may include:

• name;
• email address;
• phone number;
• mailing address;
• property address;
• IP address;
• device identifiers;
• online identifiers;
• account identifiers;
• lead identifiers.

B. Contact and Inquiry Information

This may include:

• information submitted through forms;
• phone call information;
• SMS/text message information;
• email communications;
• chat communications;
• appointment requests;
• quote requests;
• customer service inquiries;
• provider-matching requests.

C. Property and Transaction Information

This may include:

• property address;
• property type;
• purchase price;
• estimated property value;
• refinance amount;
• transaction type;
• transaction timeline;
• closing date;
• buyer/seller status;
• owner/occupancy status;
• real estate agent information;
• lender information;
• title or escrow information;
• insurance needs;
• home warranty needs;
• moving needs;
• closing-cost concerns;
• documents voluntarily uploaded;
• property-related information voluntarily submitted.

D. Mortgage, Financial, and Credit-Related Inquiry Information

This may include information you voluntarily provide, such as:

• loan purpose;
• loan amount;
• estimated down payment;
• estimated equity;
• current mortgage balance;
• desired loan type;
• estimated credit range;
• employment or income range if voluntarily submitted;
• cash-to-close concerns;
• lender fee concerns;
• refinance goals;
• rate-shopping preferences;
• debt or payment information voluntarily submitted.

Closing Save does not request Social Security numbers, full financial account numbers, or full credit reports through general website forms unless expressly disclosed and separately authorized.

Please do not submit highly sensitive financial information unless specifically requested by a qualified provider through a secure process.

E. Commercial and Referral Information

This may include:

• services requested;
• quote status;
• referral status;
• assigned provider;
• lead source;
• provider assignment;
• compensation-related referral records;
• customer relationship records;
• service preferences;
• marketing campaign information.

F. Internet, Device, and Usage Information

This may include:

• IP address;
• browser type;
• device type;
• operating system;
• pages viewed;
• session activity;
• referring website;
• landing page;
• clickstream data;
• form interaction data;
• approximate location based on IP address;
• cookies;
• pixels;
• analytics identifiers;
• advertising identifiers.

G. Consent and Compliance Records

This may include:

• timestamp of form submission;
• consent language shown;
• checkbox status;
• IP address;
• URL where consent was collected;
• call recordings where permitted;
• text-message logs;
• email opt-in and opt-out records;
• unsubscribe records;
• do-not-contact records;
• privacy request records;
• lead-routing records.

H. Audio or Communication Records

If you call us or a referred provider, calls may be recorded or monitored where permitted by law.

I. Sensitive Personal Information

We do not intentionally request highly sensitive personal information such as Social Security numbers, full financial account numbers, payment card numbers, government ID numbers, medical records, biometric identifiers, or precise geolocation through general website forms.

However, some information you voluntarily provide may be considered sensitive under certain privacy laws, such as information related to your property address, financial situation, transaction, mortgage inquiry, insurance inquiry, or communications with us.

Please do not submit sensitive personal information unless it is necessary for your inquiry.

4. Sources of Personal Information

We may collect personal information from:

• you directly;
• website forms;
• phone calls;
• text messages;
• emails;
• chat tools;
• cookies and tracking technologies;
• analytics providers;
• advertising platforms;
• referral partners;
• mortgage lenders;
• mortgage brokers;
• real estate professionals;
• title companies;
• escrow companies;
• settlement providers;
• insurance agents;
• service providers;
• call centers;
• publicly available property records;
• public databases;
• data vendors where permitted by law.

5. How We Use Personal Information

We may use personal information to:

• respond to your inquiry;
• connect you with third-party providers;
• help you explore closing-related services;
• help you compare available options;
• route your inquiry to an appropriate provider;
• provide educational information;
• communicate by phone, email, SMS/text, or other methods;
• send marketing communications where permitted;
• verify consent;
• maintain compliance records;
• operate, maintain, and improve the website;
• personalize website content;
• analyze website usage;
• measure advertising performance;
• prevent fraud, spam, misuse, or unauthorized access;
• debug technical issues;
• enforce our Terms;
• comply with legal, regulatory, and contractual obligations;
• respond to lawful requests;
• protect our rights, users, partners, and business.

6. How We Disclose Personal Information

We may disclose personal information to the following categories of third parties.

A. Real Estate, Mortgage, Insurance, and Closing-Related Providers

We may disclose information to:

• mortgage lenders;
• mortgage brokers;
• banks;
• credit unions;
• real estate professionals;
• title companies;
• escrow companies;
• settlement agents;
• closing attorneys;
• homeowners insurance agents;
• insurance agencies;
• home warranty providers;
• home inspection providers;
• moving companies;
• appraisal-related providers;
• other home-purchase, refinance, or closing-related providers.

These parties may use your information to contact you, evaluate your inquiry, provide quotes, request additional information, or offer services.

B. Referral and Lead Partners

We may disclose information to:

• referral partners;
• lead buyers;
• lead sellers;
• affiliate partners;
• marketing partners;
• call centers;
• comparison platforms;
• provider networks.

C. Service Providers

We may disclose information to vendors and service providers that help us operate our business, including:

• website hosting providers;
• CRM providers;
• form providers;
• call tracking providers;
• SMS/text messaging providers;
• email providers;
• analytics providers;
• advertising technology providers;
• customer support vendors;
• data security providers;
• compliance vendors;
• document storage providers;
• accounting providers.

D. Marketing and Advertising Partners

We may disclose information to advertising platforms, analytics partners, affiliate partners, and marketing vendors to measure performance, improve campaigns, retarget visitors, and promote services.

E. Legal, Compliance, and Safety

We may disclose information when we believe disclosure is necessary to:

• comply with law;
• respond to subpoenas, court orders, or legal processes;
• cooperate with regulators or law enforcement;
• enforce our Terms;
• protect rights, safety, and property;
• investigate fraud or misuse;
• defend legal claims;
• establish legal rights.

F. Business Transfers

We may disclose or transfer information in connection with:

• merger;
• acquisition;
• financing;
• sale of assets;
• bankruptcy;
• reorganization;
• joint venture;
• business transfer;
• due diligence process.

7. Sale or Sharing of Personal Information

Because Closing Save operates as a marketing, referral, and lead-generation platform, we may disclose personal information to third-party providers, referral partners, lead buyers, lead sellers, and marketing partners.

Depending on the law that applies to you, this may be considered a “sale,” “sharing,” or disclosure for “targeted advertising.”

Categories of personal information that may be sold or shared include:

• identifiers;
• contact information;
• property information;
• transaction information;
• mortgage inquiry information;
• insurance inquiry information;
• internet or device information;
• commercial/referral information;
• consent records;
• inferences related to requested services.

We do not knowingly sell or share personal information of individuals under 16 years old.

You may request to opt out by contacting us at: info@closingsave.com 888-795-6550 Please include “Do Not Sell or Share Request” in your message.

Where required by law, we will also honor recognized opt-out preference signals, such as Global Privacy Control, if our website is configured to detect them.

8. Cookies, Pixels, Analytics, and Tracking

We may use cookies, pixels, tags, scripts, SDKs, local storage, session replay tools, analytics tools, and similar technologies.

These technologies may help us:

• operate the website;
• remember preferences;
• understand website traffic;
• measure form performance;
• detect errors;
• improve user experience;
• measure advertising campaigns;
• retarget visitors;
• prevent fraud.

Third parties may also use cookies or similar technologies on our website.

You may adjust your browser settings to block cookies or alert you when cookies are used. Some website features may not function properly if cookies are disabled.

9. Targeted Advertising

We may use personal information for targeted advertising, retargeting, lookalike audiences, analytics, or similar advertising activities.

Depending on your state, you may have the right to opt out of targeted advertising.

To opt out, contact: info@closingsave.com Use the subject line: Targeted Advertising Opt-Out Request

10. Communications and Marketing

By submitting your information, you may receive communications from Closing Save and third-party providers.

Communications may include:

• phone calls;
• emails;
• text messages;
• quote follow-ups;
• provider introductions;
• closing-related communications;
• mortgage-related communications;
• real estate-related communications;
• title or escrow-related communications;
• insurance-related communications;
• educational content;
• marketing communications;
• reminders;
• referral communications.

You may opt out of marketing communications at any time.

To opt out of emails, use the unsubscribe link or contact us.

To opt out of SMS/text messages, reply STOP.

To request help, reply HELP or contact: info@closingsave.com 888-795-6550

11. Call Recording and Monitoring

Calls may be recorded or monitored for:

• quality assurance;
• training;
• compliance;
• documentation;
• fraud prevention;
• dispute resolution;
• customer service.

Where required, we or the applicable third party will provide notice and obtain consent before recording.

12. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy.

Retention periods may depend on:

• the nature of the information;
• the purpose for collection;
• legal obligations;
• regulatory requirements;
• contractual obligations;
• consent documentation needs;
• fraud prevention;
• dispute resolution;
• business operations;
• backup and archival practices.

Consent records, opt-out records, referral records, and compliance records may be retained longer than general inquiry records where necessary to demonstrate compliance or defend legal claims.

13. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction.

However, no website, database, system, transmission, or storage method is completely secure.

We cannot guarantee absolute security.

You should use caution when submitting information online.

14. Children’s Privacy

This website is intended for adults.

We do not knowingly collect personal information from children under 18.

If we learn that we have collected personal information from a child under 18 without appropriate authorization, we will take reasonable steps to delete it.

15. State Privacy Rights

Depending on where you live, you may have rights regarding your personal information.

These rights may include:

• right to know whether we process your personal information;
• right to access personal information;
• right to receive a copy of personal information;
• right to correct inaccurate personal information;
• right to delete personal information;
• right to opt out of sale of personal information;
• right to opt out of sharing personal information;
• right to opt out of targeted advertising;
• right to opt out of certain profiling;
• right to limit use or disclosure of sensitive personal information;
• right to withdraw consent where applicable;
• right to appeal a denied privacy request;
• right not to be discriminated against for exercising privacy rights.

State privacy laws vary, and not all rights apply in all circumstances.

16. How to Submit a Privacy Request

You may submit a privacy request by contacting us at:

Email: info@closingsave.com

Phone: 888-795-6550

Mailing Address:

Closing Save 2020 Fieldstone Pkwy Ste 900-356 Franklin, TN 37069 Please include:

• your full name;
• email address;
• phone number;
• state of residence;
• the right you want to exercise;
• enough information for us to verify and process your request.

We may ask for additional information to verify your identity.

We will respond within the timeframe required by applicable law.

17. Authorized Agents

You may use an authorized agent to submit a privacy request where permitted by law.

We may require proof that:

• the agent is authorized to act on your behalf;
• you verified your identity directly with us;
• the request is valid under applicable law.

We may deny requests from agents who cannot provide proper authorization.

18. Appeals

If applicable law gives you the right to appeal a denied privacy request, you may submit an appeal by emailing: info@closingsave.com Use the subject line: Privacy Appeal We will review and respond as required by applicable law.

19. Non-Discrimination

We will not unlawfully discriminate against you for exercising privacy rights.

However, if you ask us to delete or restrict information that is necessary to provide the requested service, we may not be able to continue assisting with your inquiry or connect you with third-party providers.

20. California Privacy Notice

This section applies to California residents to the extent the California Consumer Privacy Act, as amended, applies to Closing Save.

California residents may have the right to:

• know what personal information is collected;
• know how personal information is used;
• know how personal information is disclosed, sold, or shared;
• access personal information;
• delete personal information;
• correct inaccurate personal information;
• opt out of sale or sharing;
• limit use and disclosure of sensitive personal information;
• non-discrimination for exercising rights.

Categories Collected

In the past 12 months, we may have collected:

• identifiers;
• contact information;
• property information;
• transaction information;
• mortgage inquiry information;
• insurance inquiry information;
• internet or device activity;
• commercial/referral information;
• communications;
• consent records;
• approximate location information;
• inferences;
• sensitive personal information voluntarily submitted.

Categories Disclosed for Business Purposes

We may disclose the above categories to:

• mortgage lenders;
• mortgage brokers;
• real estate professionals;
• title companies;
• escrow companies;
• settlement agents;
• closing attorneys;
• insurance agents;
• home warranty providers;
• home service providers;
• referral partners;
• lead buyers;
• lead sellers;
• service providers;
• analytics providers;
• advertising partners;
• compliance vendors;
• legal authorities.

Categories Sold or Shared

We may sell or share:

• identifiers;
• contact information;
• property information;
• transaction information;
• mortgage inquiry information;
• insurance inquiry information;
• internet or device activity;
• commercial/referral information;
• consent records;
• inferences.

Business or Commercial Purposes

We may collect, use, disclose, sell, or share information for:

• responding to inquiries;
• matching consumers with providers;
• lead generation;
• referral services;
• marketing;
• advertising;
• analytics;
• compliance;
• fraud prevention;
• customer support;
• business operations;
• legal purposes.

Sensitive Personal Information

We do not use sensitive personal information to infer characteristics except as permitted by law.

We do not intentionally collect highly sensitive information unless necessary for the service requested or voluntarily provided.

Do Not Sell or Share

California residents may opt out of sale or sharing by contacting: info@closingsave.com 888-795-6550 Use the subject line: California Do Not Sell or Share Request

21. Nevada Privacy Rights

Nevada residents may have the right to request that certain personal information not be sold as defined under Nevada law.

Nevada residents may submit requests to: info@closingsave.com Use the subject line: Nevada Privacy Request

22. Financial, Mortgage, Insurance, and Settlement-Service Privacy

Once your information is provided to mortgage lenders, mortgage brokers, real estate professionals, title companies, escrow companies, settlement agents, attorneys, insurance professionals, or other regulated entities, their own privacy policies and legal obligations may govern their use of your information.

Those third parties may be subject to federal or state mortgage laws, financial privacy laws, insurance privacy laws, data security laws, title or escrow regulations, real estate licensing rules, attorney ethics rules, or other regulations.

Closing Save is not responsible for third-party privacy practices.

23. Consumer Reporting and Credit Information

Closing Save is not a consumer reporting agency and does not provide consumer reports as defined by the Fair Credit Reporting Act.

Closing Save does not determine credit eligibility, loan approval, insurance eligibility, employment eligibility, tenant eligibility, or any other eligibility decision.

If a third-party lender, broker, insurer, or provider requests authorization to access your credit report or other sensitive financial information, that request is governed by that third party’s own disclosures, authorizations, and privacy practices.

24. Do Not Track

Some browsers offer “Do Not Track” signals.

Because there is no single industry standard for responding to all Do Not Track signals, we may not respond to them unless required by law.

Where required, we will honor recognized opt-out preference signals such as Global Privacy Control if our website is configured to detect them.

25. International Users

This website is intended for users located in the United States.

If you access the website from outside the United States, you understand that your information may be collected, processed, stored, and transferred in the United States.

By using the website, you consent to such processing in the United States.

26. Third-Party Privacy Practices

This Privacy Policy does not apply to third-party websites, lenders, brokers, real estate professionals, title companies, escrow companies, settlement agents, attorneys, insurance professionals, advertisers, or service providers that operate independently from us.

You should review the privacy policies of any third party you interact with.

We are not responsible for third-party privacy practices.

27. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Updated versions will be posted on this website with a revised effective date.

Your continued use of the website after a revised Privacy Policy is posted means you acknowledge the revised Privacy Policy.

28. Contact Information

Closing Save

Email: info@closingsave.com

Phone: 888-795-6550

Mailing Address:

2020 Fieldstone Pkwy Ste 900-356 Franklin, TN 37069