Privacy Policy

Customer service is very important to all of us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
• Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

SMS / Text Messaging and Mobile Information

If you provide your mobile number and check the SMS consent box on one of our forms, Cross State Funding Corp.may send you recurring text messages for customer-care communications, service follow-ups, scheduled call or meeting reminders, contact-preference confirmations, and responses to consumer support requests.

This SMS program is not used to advertise mortgage products, solicit new applications, promote rates or offers, collect third-party leads, request online reviews, send marketing messages, or send loan-status, underwriting, approval, document-request, closing, or borrower-portal messages.

Consent to receive text messages is not a condition of any purchase or of obtaining services from Cross State Funding Corp.

Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for help. Carriers are not liable for delayed or undelivered messages.

Mobile information and SMS opt-in consent are not shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent are not sold, rented, shared, or disclosed to third parties or affiliates for marketing or promotional purposes.

All other data-sharing categories in this Privacy Policy exclude text messaging originator opt-in data and consent.

Website Chat and Visitor Information

If you use website chat, we may collect the contact information you provide, your chat messages, selected callback or scheduling preferences, page and referrer information, marketing attribution fields, first-party visitor and session identifiers, and technical request information used for security and abuse prevention. Depending on our configured retention settings, we may store an IP address hash and may retain the raw IP address for a limited period.

Please do not provide social security numbers, dates of birth, bank or account numbers, credit authorization details, uploaded documents, or other sensitive borrower information in website chat.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

For avoidance of doubt, this disclosure section does not apply to text messaging originator opt-in data or SMS consent. Mobile information and SMS opt-in consent are not shared with third parties or affiliates for marketing or promotional purposes.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

To discuss Cross State Funding's privacy practices, feel free to reach out anytime to the main office phone number at (877) 234-1898.