Privacy Policy

The Moros Team at HomeFi
Effective Date: 02/2026

The Moros Team at HomeFi (“we,” “us,” or “our”) takes your privacy seriously. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website (the “Website”).

By using this Website, you consent to the practices described in this Privacy Policy.

Information We Collect

When you use our Website, we may collect personal information including:

Name
Address
Telephone number
Email address
Social Security number
Asset and income information
Employment information
Any information submitted through applications, forms, or inquiries

We collect this information when you:

Request a rate quote
Begin a loan application
Submit an inquiry
Provide information through forms on the Website

We may also receive personal information from third-party sources, including credit bureaus, verification providers, marketing partners, or social media platforms if you choose to interact with us through those services.

Automatically Collected Information

We may automatically collect certain technical information when you visit our Website, including:

IP address
Browser type
Operating system
Date and time of visit
Referring website
Website activity and usage data

Mobile Phone Numbers & SMS Compliance

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 under any circumstances.

Cookies and Tracking Technologies

Our Website uses cookies and similar technologies, including web beacons and tracking pixels.

Cookies help us:

Recognize your browser
Improve website functionality
Analyze website traffic
Customize content
Measure advertising performance
Improve user experience

We may use both first-party and third-party cookies. Some third-party cookies may track users across websites.

Most browsers allow you to manage cookie preferences. Disabling cookies may affect certain Website functionality.

Do Not Track Signals

Our Website does not respond to browser “Do Not Track” signals.

How We Use Your Information

We may use your information for the following purposes:

To process and fulfill loan applications
To respond to your inquiries
To communicate with you regarding your loan
To provide marketing communications (you may opt out at any time)
For internal business analysis
To improve our services and Website
To comply with legal and regulatory obligations

How We Share Personal Information

We do not sell your personal information.

We may share your personal information:

With service providers (such as credit bureaus, verification services, title companies, loan processing vendors, and compliance partners)
With HomeFi Corp. (NMLS #1804455) as our parent company
With affiliated service providers when necessary to process your loan
When required by law or regulation
To protect our rights or safety
With your consent

We limit information shared with vendors to only what is necessary for them to perform required services.

For example, when retrieving credit reports, we securely transmit only the minimum required information to the appropriate credit bureaus.

For bank verification services, we may use approved third-party service providers.

Corporate Transactions

If HomeFi Corp. or its affiliated branches undergo a merger, acquisition, restructuring, or sale, personal information may be transferred as part of that transaction, subject to applicable privacy protections.

How We Protect Your Information

The Moros Team at HomeFi and HomeFi Corp. use reasonable physical, administrative, and technical safeguards to protect your personal information.

This includes:

Secure encryption during data transmission
Secure third-party service providers
Access controls and internal compliance procedures

However, no system is completely secure. Email is not considered a secure method of transmitting sensitive personal information.

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies separately.

Children’s Privacy

This Website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 13. If we become aware that such information has been collected, it will be deleted promptly.

Your Rights & Choices

You may:

Request access to the personal information we have about you
Request corrections to inaccurate information
Request deletion of information not required by law to retain
Opt out of marketing communications

To make a request, please contact us at:

📧 morosteam@homefi.us
📞 (850) 424-7277

Updates to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Updates become effective immediately upon posting. Continued use of the Website constitutes acceptance of the updated policy.