Privacy Policy

Effective Date: February 21, 2026

This Privacy Policy ("Policy") applies to UTM Financial dba United Trust Mortgage ("United Trust Mortgage," "Company," "we," "us," or "our") and governs data collection and usage through our website located at https://www.myunitedtrust.com/ (the "Site") and related services, including mortgage brokerage services and SMS/text messaging communications.

By using our Site or submitting information to us, you consent to the data practices described in this Policy.

1. Our Business

UTM Financial dba United Trust Mortgage is a mortgage brokerage company that assists consumers and business-purpose borrowers in obtaining residential and investment property financing through third-party wholesale lenders and financial institutions.

We collect and process information necessary to evaluate, originate, and facilitate mortgage loan transactions in compliance with applicable federal and state laws.

2. Collection of Personal Information

We collect nonpublic personal information ("NPI") about you from the following sources:

Information You Provide to Us

• Loan applications and related forms
• Online registrations and intake forms
• Phone calls, emails, text messages, and other communications
• Supporting documentation (income, assets, tax returns, identification, etc.)

This information may include:

• Name, address, email address, phone number
• Date of birth and Social Security number
• Employment history and income
• Assets and liabilities
• Credit information
• Property and insurance information
• Government-issued identification

Information We Receive From Third Parties

• Consumer reporting agencies (credit reports and credit scores)
• Verification vendors (VOE, VOM, VOI services)
• Appraisers and title/escrow companies
• Wholesale lenders and underwriting partners
• Fraud prevention and compliance vendors

Automatically Collected Information

When you use our Site, we may automatically collect:

• IP address
• Browser type and version
• Device type
• Pages visited and time spent
• Referring website addresses

We may use cookies and similar technologies to improve user experience and maintain site functionality. You may disable cookies in your browser settings; however, certain features may not function properly.

3. Use of Personal Information

We use your information to:

• Evaluate and process mortgage loan applications
• Obtain underwriting and credit approval
• Verify identity and prevent fraud
• Communicate with you regarding your loan
• Comply with federal and state regulatory requirements
• Maintain internal records and compliance logs
• Improve our services and website functionality

We do not sell, rent, or trade your personal information for marketing purposes.

4. Information Sharing and Disclosure

We may share your personal information only as permitted or required by law and as necessary to conduct our mortgage brokerage operations.

We may share information with:

Wholesale Lenders and Investors:
To obtain loan approval, pricing, underwriting decisions, and funding.

Service Providers and Vendors:

• Credit reporting agencies
• Title and escrow companies
• Appraisers
• Compliance and fraud detection providers
• CRM and document management platforms
• Hosting and data storage providers

These providers are contractually obligated to maintain confidentiality and use the information only to perform services on our behalf.

Regulatory Authorities and Law Enforcement:
When required by federal or state law, subpoena, court order, or regulatory examination.

Business Transfers:
In connection with a merger, acquisition, or sale of assets.

5. SMS / Text Messaging Policy (A2P Compliance)

By providing your phone number and opting in through our website, forms, or other written consent mechanisms, you authorize UTM Financial dba United Trust Mortgage to send you SMS/text messages related to:

• Loan application updates
• Appointment confirmations
• Loan status notifications
• Document requests
• Promotional or marketing communications (where consent is provided)

Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP. For assistance, reply HELP.

Important A2P Disclosure:

• 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 services.
• All other categories exclude text messaging originator opt-in data and consent.

6. Security of Your Information

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information, including:

• Secure Socket Layer (SSL) encryption
• Access controls and authentication requirements
• Secure document storage
• Vendor security reviews

While we use commercially reasonable measures to protect your data, no method of transmission over the Internet is completely secure.

7. Your Privacy Rights

Depending on your state of residence, you may have rights including:

• Access to personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of personal information (subject to regulatory retention requirements)
• Opt-out of certain communications

Mortgage and financial records may be retained as required by federal and state regulations, including record retention laws applicable to mortgage brokers.

To submit a privacy request, contact us at: arin@myunitedtrust.com

8. Children Under 13

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13.

9. External Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those websites. You are encouraged to review their privacy policies.

10. Do Not Track Signals

Industry standards regarding "Do Not Track" browser signals remain evolving. We do not currently respond separately to such signals.

11. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on our website with a revised effective date. Continued use of our Site constitutes acceptance of the updated Policy.

12. Contact Information

UTM Financial dba United Trust Mortgage
Website: https://www.myunitedtrust.com/
Email: arin@myunitedtrust.com
Phone: 818-447-7035

If you have questions regarding this Privacy Policy or our data practices, please contact us using the information above.