Privacy Policy

This Website Privacy Policy applies to information collected through https://www.unifiedmortgageexperts.com and any associated online application, contact, or inquiry tools operated by Cobalt Mortgage, LLC dba Unified Mortgage Experts ("Unified Mortgage Experts," "we," "us," or "our"). It describes how we collect, use, disclose, and protect personal information obtained through our website and digital channels.

This Policy does not replace the separate Gramm-Leach-Bliley Act (GLBA) privacy notice delivered to loan applicants and borrowers at or before application and annually thereafter, where applicable. Mortgage applicants and customers may receive additional privacy disclosures as part of the loan origination process.

Cobalt Mortgage, LLC dba Unified Mortgage Experts | NMLS #1891147. To verify our license, visit NMLS Consumer Access.

We may collect the following categories of information:

Information you provide directly. When you submit an inquiry, request a quote, start an application, schedule a call, or contact us, we may collect your name, email address, phone number, mailing address, property information, employment and income details, financial account information, Social Security number or other government identifier, and any other information you choose to provide.

Transaction and loan file information. If you apply for a mortgage loan with us, we collect and maintain information relating to your application, underwriting, closing, and servicing, including credit-related data, verification documents, and correspondence.

Information from third parties. To evaluate a loan request and comply with law, we may obtain information from consumer reporting agencies, employers, financial institutions, appraisers, title companies, insurers, and public records.

Automatically collected website data. When you visit our website, we and our service providers may automatically collect device and usage information such as IP address, browser type, pages viewed, referring URL, session data, and similar analytics information through cookies and related technologies.

We use personal information for purposes including:

• Responding to inquiries and communicating with you about mortgage products and services;
• Processing, evaluating, and underwriting mortgage loan applications;
• Verifying identity and preventing fraud;
• Originating, closing, funding, and transferring mortgage loans;
• Complying with federal and state legal, regulatory, and reporting obligations;
• Maintaining records, quality control, audits, and examinations;
• Improving our website, services, and customer experience;
• Sending service-related messages and, where permitted, marketing communications.

We do not sell your personal information to third parties for their independent marketing purposes.

We may share personal information in the following circumstances:

• With service providers that perform functions on our behalf, such as loan origination systems, document vendors, appraisal and title providers, technology hosts, analytics providers, and communication tools;
• With lenders, investors, insurers, and other parties involved in originating, funding, purchasing, or servicing a mortgage loan;
• With consumer reporting agencies and verification vendors as part of underwriting;
• With affiliates or partners where permitted by law and subject to applicable opt-out rights;
• To comply with law, regulation, court order, subpoena, or government request, or to protect rights, property, and safety;
• In connection with a corporate transaction such as a merger, acquisition, or asset sale.

Service providers are required to use information only for the services they provide to us and to protect it consistent with applicable law.

We use cookies and similar technologies to operate our website, remember preferences, measure traffic, and understand how visitors use our services. You can control cookies through your browser settings. Disabling cookies may affect certain site functionality.

We may use third-party analytics tools, such as Google Analytics, to collect aggregated usage data. Information collected automatically through our website is generally not used to make credit decisions.

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Depending on your state of residence, you may have rights to request access to, correction of, or deletion of certain personal information, or to opt out of certain data sharing or targeted advertising practices. We will honor applicable rights requests in accordance with law.

California residents may have additional rights under the California Consumer Privacy Act (CCPA/CPRA), including the right to know, delete, correct, and opt out of certain sharing. We do not sell personal information as defined by California law.

To submit a privacy request, contact us using the information in the Contact Us section below. We may need to verify your identity before fulfilling a request.

If you provide your phone number or email address, we may contact you about mortgage products and services. Marketing calls and texts may be subject to Telephone Consumer Protection Act (TCPA) consent requirements. You may opt out of promotional emails by using the unsubscribe link in those messages. Service-related communications about an active application or loan may still be sent as permitted by law.

Our website and mortgage services are not directed to children under 18, and we do not knowingly collect personal information from children. If you believe we have received information from a child, please contact us so we can delete it.

Our website may contain links to third-party sites, including application portals, social media pages, and partner tools. We are not responsible for the privacy practices of those sites and encourage you to review their policies before providing personal information.

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when the Policy was most recently revised. Material changes will be posted on this page.

For privacy questions or requests, contact Cobalt Mortgage, LLC dba Unified Mortgage Experts:

• 4835 E Cactus Road Suite 145, Scottsdale, AZ 85254
• Phone: 1.800.931.2961
• Email: support@unifiedmortgageexperts.com

You may also file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.