Privacy policy

Your privacy is critically important to us.

It is the policy of Quality Mortgage Solutions LLC d/b/a QMS Lending ("Quality Mortgage Solutions," "QMS," "we," "us" or "our") to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to https://www.qmslending.com and https://qmslending.com, including any of their pages and subdomains (together, the "Website"). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this Privacy Policy to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms of Service posted on our Website, sets forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

If you apply for a mortgage loan, the nonpublic personal information you provide in connection with that application is also governed by our Gramm-Leach-Bliley Act ("GLBA") Privacy Notice, which is provided to you as part of your loan disclosures and is available on request. If this Privacy Policy and the GLBA Privacy Notice conflict as to information collected in connection with a loan application, the GLBA Privacy Notice controls.

Website Visitors

Like most website operators, Quality Mortgage Solutions collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Our purpose in collecting non-personally-identifying information is to better understand how our visitors use the Website. From time to time, Quality Mortgage Solutions may release non-personally-identifying information in the aggregate, for example by publishing a report on trends in the usage of the Website.

Quality Mortgage Solutions also collects potentially personally-identifying information such as Internet Protocol (IP) addresses for users who log in to a portal or account made available through the Website, and for users who leave comments or otherwise post content on the Website, if we offer those features. We only disclose logged-in user and commenter IP addresses under the same circumstances in which we use and disclose personally-identifying information, as described below.

Gathering of Personally-Identifying Information

Certain visitors to our Website choose to interact with Quality Mortgage Solutions in ways that require us to gather personally-identifying information. The amount and type of information that we gather depends on the nature of the interaction. For example:

• When you submit our contact or quote request form, we ask for your name, phone number, email address, preferred language, the type of loan you are interested in, and general information about the property and your goals (such as purchase price, estimated value, loan amount, down payment, estimated credit range and employment type).
• When you apply for a loan through our online application, you provide the information required to evaluate a residential or commercial mortgage loan, which may include your Social Security number or Individual Taxpayer Identification Number, date of birth, income, employment, assets, liabilities, and property details. Our online application and borrower portal are hosted by our third-party loan origination software provider using encrypted connections.
• If we offer a newsletter, blog or similar feature, we may ask visitors who sign up to provide a username and email address.

We collect only the information that is reasonably necessary or appropriate to fulfill the purpose of your interaction with us. You can always refuse to supply personally-identifying information, with the caveat that it may prevent you from engaging in certain Website-related activities or from obtaining a loan.

How We Use Information

We use the information we collect to:

• respond to your inquiries and provide the mortgage services you request, including comparing loan programs, issuing pre-qualifications and pre-approvals, and processing, underwriting and closing your loan;
• share your application with lenders, investors, credit reporting agencies, appraisers, title and settlement agents, insurance providers and other service providers involved in your loan;
• communicate with you by email, text message, phone and postal mail as described in the Communication Policy below;
• verify your identity and help prevent fraud;
• operate, maintain, secure and improve the Website; and
• comply with our legal, regulatory, licensing, audit and reporting obligations, including requests from federal and state regulators.

Security

The security of your personal information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means, including administrative, technical and physical safeguards, to protect your personal information, we cannot guarantee its absolute security. We maintain safeguards designed to protect customer information as required by the Gramm-Leach-Bliley Act and its implementing rules.

Advertisements

Ads appearing on our Website, or ads for our Website appearing elsewhere, may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time it sends you an online advertisement, in order to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Quality Mortgage Solutions and does not cover the use of cookies by any advertisers.

Google Ads Remarketing

The Website may use Google Ads (formerly Google AdWords) remarketing services to advertise on third-party websites, including Google, to previous visitors to our Website. This means we may show advertisements to previous visitors who have not completed a task on our Website, for example using the contact form to make an inquiry. These ads may appear on the Google search results page or on a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone's past visits to the Website. Any data collected will be used in accordance with this Privacy Policy and Google's privacy policy.

You can set preferences for how Google advertises to you using the Google Ad Settings page. If you want to, you can opt out of interest-based advertising entirely through your cookie settings, through the Digital Advertising Alliance opt-out page, or permanently by using a browser plugin.

Cookies

To enrich and perfect your online experience, Quality Mortgage Solutions uses "cookies," similar technologies and services provided by others to display personalized content and appropriate advertising, and to store your preferences on your computer.

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Quality Mortgage Solutions uses cookies to help identify and track visitors, their usage of the Website, and their Website access preferences. Visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using our Website, with the drawback that certain features of the Website may not function properly without the aid of cookies.

By continuing to navigate our Website without changing your cookie settings, you acknowledge and agree to our use of cookies.

Do Not Track. Some browsers offer a "Do Not Track" setting. Because there is not yet a common industry standard for how to respond to these signals, the Website does not currently respond to them.

Aggregated Statistics

Quality Mortgage Solutions may collect statistics about the behavior of visitors to the Website. We may display this information publicly or provide it to others. However, we do not disclose your personally-identifying information in doing so.

Protection and Disclosure of Certain Personally-Identifying Information

We disclose potentially personally-identifying and personally-identifying information only to our employees, contractors, affiliated organizations and service providers that (i) need to know that information in order to process it on our behalf or to provide services available through the Website or requested by you, and (ii) have agreed not to disclose it to others. We may also disclose it to lenders, investors, settlement agents and others as needed to process your loan, and when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of Quality Mortgage Solutions, third parties or the public at large, or when required by law, regulation, subpoena, court order or a request from a regulatory agency. We do not sell your personal information.

Communication Policy

Consent to Communicate

By providing your contact information to Quality Mortgage Solutions, including but not limited to your email address, phone number and mailing address, you consent to receive communications from us via email, text message, phone call and postal mail. This consent includes communications regarding your inquiry, application, loan or account, our products and services, special offers, and other information that may be of interest to you. Our forms offer two separate, optional text-message consent boxes: one for loan and account messages, and one for marketing messages. Neither box is pre-checked, and you may leave both unchecked and still submit the form. If you check a box, you agree that we may send you that type of text message at the number you provided, including by automated means. Consent is not a condition of obtaining any loan or purchasing any property, goods or services.

Mobile Information and Text Messaging

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Text messages from Quality Mortgage Solutions may include loan status updates, document requests, appointment reminders, rate and program information, and responses to your inquiries. Message frequency varies. Message and data rates may apply. Reply STOP to any message to cancel; you will receive one final message confirming that you have been unsubscribed. Reply HELP for help, or contact us at 305-425-1990 or info@qmslending.com. Wireless carriers are not liable for delayed or undelivered messages.

Methods of Communication

We may use the following methods to communicate with you:

• Email: We may send you emails to keep you informed about your loan, updates, promotions, newsletters and other information related to our services.
• Text messages: We may send you text messages (SMS) for various purposes, including but not limited to appointment reminders, loan and service updates, and promotional offers.
• Phone calls: We may call you for purposes such as customer service, appointment confirmations, and providing information about our products and services.
• Postal mail: We may send you letters, disclosures, promotional materials and other information through postal mail.

Opt-Out and Unsubscribe

You have the right to opt out of receiving communications from us at any time. You can unsubscribe from our email communications by clicking the "unsubscribe" link at the bottom of any marketing email you receive from us. To opt out of text messages, reply STOP or follow the instructions provided in the text message, or contact us directly. If you wish to be removed from our call list, please inform any member of our team or call 305-425-1990. Please note that even if you opt out of receiving marketing communications, we may still send you non-promotional messages regarding your application, loan, account or transactions with us, including disclosures we are legally required to provide.

Calling Hours and Do Not Call Requests

We do not place telephone solicitation calls or send marketing text messages before 8:00 a.m. or after 8:00 p.m. in your local time zone, and we do not make more than three telephone solicitation calls to you about the same subject within a 24-hour period. We check telephone solicitations against the National Do Not Call Registry and applicable state do-not-call lists unless you have given us consent or we have an established business relationship with you, we maintain an internal do-not-call list, and we honor do-not-call and opt-out requests within the time required by law. To be added to our internal do-not-call list, call 305-425-1990 or email info@qmslending.com.

Data Protection and Privacy

We are committed to protecting your privacy and personal information. All communications from us will comply with this Privacy Policy, which outlines how we collect, use and protect your information. We use industry-standard security measures to protect your data and to ensure that your information is handled securely and in accordance with applicable laws and regulations.

Third-Party Communications

We may share your contact information with trusted third-party partners who assist us in delivering our services. These third parties are contractually obligated to protect your information and to use it only for the purposes for which it was shared. We do not sell your personal information to third parties for marketing purposes.

Legal Compliance

We comply with all applicable laws and regulations governing communications, including the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the Florida Telephone Solicitation Act and other relevant laws. By consenting to receive communications from us, you acknowledge and agree that your consent is not a condition of purchase.

Changes to the Communication Policy

We may update this Communication Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on our Website, and the updated policy will take effect upon posting.

Links to External Sites

Our Website may contain links to external sites that are not operated by us, including our online loan application and borrower portal, lender and government websites, and NMLS Consumer Access. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy and terms and conditions of every site you visit. We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third-party sites, products or services.

Data Retention

We keep personal information for as long as needed to provide our services and as required by federal and state record-keeping laws that apply to mortgage loans, after which it is securely deleted or destroyed.

Your Choices and Rights

You may ask us to access, update or correct the contact information you have given us through the Website, or to stop contacting you, at any time by calling 305-425-1990 or emailing info@qmslending.com. Depending on where you live, you may have additional rights under state privacy laws; we will honor any such requests as required by law. We will not discriminate against you for exercising any of these rights.

Children's Privacy

The Website is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us and we will delete it.

Privacy Policy Changes

Although most changes are likely to be minor, Quality Mortgage Solutions may change this Privacy Policy from time to time, in our sole discretion. We encourage visitors to check this page frequently for any changes. The "Last updated" date at the top of this page shows when the policy was last revised. Your continued use of the Website after any change in this Privacy Policy will constitute your acceptance of that change.

Contact Information

If you have any questions about this Privacy Policy or our Communication Policy, please contact us:

Quality Mortgage Solutions LLC d/b/a QMS Lending
3105 NW 107th Ave, Suite 400-O6
Doral, FL 33172, United States
Phone: 305-425-1990
Email: info@qmslending.com
NMLS #1781090