PRIVACY POLICY

Last updated: November 27, 2025

This Privacy Policy explains how we collect, use, and safeguard information when you visit and use this website and any related services (collectively, the “Site”).

Important notice about sensitive information
We do not request or intentionally collect any non-public personal information (such as Social Security Numbers, full dates of birth, full account numbers, tax returns, pay stubs, or bank statements) through this Site. Please do not upload or submit any non-public personal information here.

Any non-public information required for your mortgage application or pre-approval must be submitted only through our secure online application at:
https://myloan.primeres.com/loan-officers/tbarkerjr@primeres

By using this Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site.

Our company, NMLS 3094, and our licensed mortgage loan officer, NMLS 108382, are committed to protecting your privacy.

Information We Collect Through This Site

Because this Site is intended for general information and initial contact only, we limit what we collect here.

1.1 Information you provide directly on the Site
Examples of information you may choose to provide include:
• Name
• Email address
• Phone number
• General questions or comments
• General information about your goals or timeframe (for example, “looking to buy in 6 months”)

You should not provide any non-public personal information such as Social Security Number, full date of birth, full account numbers, detailed income documentation, or bank statements on this Site.

1.2 Information collected automatically
When you use the Site, we may automatically collect:
• IP address
• Browser type and version
• Device type and operating system
• Pages you visit and the time spent on each page
• Referring and exit pages
• General location information (city/region, where available)

This information may be collected through cookies, pixels, log files, and similar technologies.

1.3 Information collected outside this Site
Non-public personal information necessary to process your mortgage application (such as credit reports, income and asset documentation, and identification details) is collected and processed through our secure online application system at https://myloan.primeres.com/loan-officers/tbarkerjr@primeres and not through this Site. That system has its own security and disclosure requirements that may be provided to you at the time of application.

How We Use Information Collected Through This Site

We may use the limited information collected through this Site to:

• Respond to your inquiries or contact requests
• Schedule consultations or follow-up calls
• Send you general educational information, market updates, or invitations to events
• Improve, maintain, and secure our Site
• Comply with legal, regulatory, and audit requirements related to marketing and communications

Cookies and Tracking Technologies

We may use cookies, pixels, and similar technologies to:

• Remember your preferences
• Analyze usage and performance of the Site
• Support advertising and retargeting efforts

You can adjust your browser settings to refuse some or all cookies, but some portions of the Site may not function properly if cookies are disabled.

How We Share Information Collected Through This Site

We may share information collected through this Site with:

• Our employees or team members who respond to your inquiries
• Third-party service providers who assist with website hosting, analytics, marketing, and communication tools
• Regulators or law enforcement when required by law

We do not sell your personal information in the way that term is commonly understood.

SMS, Phone, and Email Communications

By providing your phone number and/or email address on this Site, you agree that we and our service providers may contact you at that number or email address, including by:

• Voice calls
• SMS and MMS text messages
• Autodialed or prerecorded messages, where permitted by law
• Email messages

You can opt out of:

• Text messages by replying STOP to any message
• Emails by clicking the unsubscribe link at the bottom of the email
• Any communication by contacting us through our Contact page at https://marylanddownpaymenthelp.com/contact or by emailing [email protected]

Standard message and data rates may apply for SMS/MMS.

Data Security

We use reasonable physical, administrative, and technical safeguards designed to protect the information collected through this Site from unauthorized access, use, or disclosure. However, no system can be guaranteed 100 percent secure. You use the Site and transmit information at your own risk.

Data Retention

We retain information collected through this Site for as long as necessary to:

• Respond to your inquiries
• Comply with legal, regulatory, and record retention requirements
• Support legitimate business purposes

Children’s Privacy

This Site is not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18 through this Site, we will take steps to delete it as required by law.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Accessing the information we maintain about you
• Requesting corrections or updates
• Requesting that certain information be deleted, subject to legal retention requirements

To exercise these rights, contact us at [email protected] or through our Contact page at https://marylanddownpaymenthelp.com/contact. We may need to verify your identity before processing your request.

Third-Party Links

The Site may contain links to third-party websites or services that we do not control. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review their privacy policies separately.

Changes To This Privacy Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page indicates when it was most recently revised. Your continued use of the Site after any changes indicates your acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, contact us at:

Phone: 410-241-1622
Email: [email protected]
Contact page: https://marylanddownpaymenthelp.com/contact

INFORMATION COLLECTION AND USE POLICY

Last updated: [Insert Date]

This Information Collection and Use Policy provides additional detail about the types of information we collect and how we use it in connection with this Site and our mortgage services. It is intended to be read together with our Privacy Policy.

Information Collected Through This Site

Through this Site, we limit collection to basic contact and inquiry information, such as:

• Name
• Email address
• Phone number
• General information about your interest in home buying or refinancing (for example, “looking to buy in the next year”)
• General questions or comments you choose to submit

We do not request or intentionally collect non-public personal information (such as Social Security Numbers, full dates of birth, full bank account or credit card numbers, tax returns, pay stubs, or bank statements) through this Site. Please do not upload or submit such information here.

Any non-public information required for your mortgage application process must be submitted only through our secure online application at:
https://myloan.primeres.com/loan-officers/tbarkerjr@primeres

Information Collected Outside This Site (Loan Application)

When you proceed to a full loan application, pre-approval, or related services, we may collect additional information through our secure online application system, including:

• Identification details (such as full Social Security Number and date of birth)
• Financial and employment information (income, employment history, tax returns, pay stubs, W-2s/1099s)
• Asset information (bank statements, retirement accounts, other assets)
• Credit information from consumer reporting agencies
• Property and loan details (property address, purchase price, loan amount, occupancy type)

That information is not collected on this marketing Site. It is collected and processed through systems specifically designed for mortgage origination and compliance.

How We Use Information Collected Through This Site

Information collected through this Site may be used to:

• Respond to your questions and requests
• Schedule a call, consultation, or appointment
• Provide general information about loan options, down payment assistance, or home buying education
• Send you invitations to webinars, classes, or events
• Improve our Site, marketing, and communication processes

How We Use Information Collected Through The Online Application

Information collected through the secure online application at https://myloan.primeres.com/loan-officers/tbarkerjr@primeres may be used to:

• Evaluate your eligibility for mortgage loans or related products
• Provide pre-qualification and pre-approval letters
• Process, underwrite, and close mortgage loans
• Comply with legal, regulatory, investor, and audit requirements
• Prevent fraud and manage risk

Your Consent And Responsibilities

By submitting information through this Site, you:

• Consent to our collection and use of that information as described in this policy and the Privacy Policy
• Agree not to submit non-public personal information here, and instead to provide it only through the secure online application at https://myloan.primeres.com/loan-officers/tbarkerjr@primeres or by another method we specifically instruct

If you accidentally submit non-public personal information through this Site, please contact us promptly at [email protected] so we can address and, if appropriate, delete the information in line with our policies and legal requirements.

Contact For Questions

For questions or requests regarding information collection and use, contact us at [email protected] or via our Contact page at https://marylanddownpaymenthelp.com/contact.

TERMS AND CONDITIONS

Last updated: [Insert Date]

These Terms and Conditions (“Terms”) govern your use of this website and any content, tools, or services made available through it (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Purpose Of This Site

This Site is intended for general informational and educational purposes, and to allow you to request contact or register for events, webinars, or consultations.

This Site is not used to collect non-public personal information required to process a mortgage application. Any such information must be submitted only through our secure online application at https://myloan.primeres.com/loan-officers/tbarkerjr@primeres or by another method we specifically authorize.

No Non-Public Personal Information On This Site

You agree that you will not upload, submit, or transmit non-public personal information through this Site, including but not limited to:

• Social Security Numbers
• Full dates of birth
• Driver’s license or government identification numbers
• Full bank account or credit card numbers
• Detailed income or tax documentation (pay stubs, tax returns, bank statements)

Any non-public information required for your mortgage application or pre-approval must go through https://myloan.primeres.com/loan-officers/tbarkerjr@primeres or other approved secure channels that we provide to you.

No Commitment To Lend

Nothing on this Site constitutes:

• A commitment to lend
• A loan approval
• A rate lock
• An offer or guarantee of any specific loan terms

All loans are subject to credit approval, underwriting guidelines, verification of information, acceptable property, and other conditions. Terms, rates, and programs are subject to change without notice.

Eligibility And Use Of The Site

You may use this Site only if you:

• Are at least 18 years old
• Reside in a jurisdiction where we are authorized to provide mortgage services
• Use the Site for personal, non-commercial purposes related to home financing and homeownership

You agree not to use the Site in any way that:

• Violates any applicable law or regulation
• Attempts to gain unauthorized access to any system or data
• Harms, interferes with, or damages the Site or any network

Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, and software, is the property of the company or its licensors and is protected by applicable intellectual property laws.

You may view, download, and print content solely for your personal, non-commercial use related to evaluating mortgage or related services. You may not:

• Copy, modify, distribute, or display content for public or commercial purposes
• Remove any copyright, trademark, or other proprietary notices

No Legal, Tax, Or Financial Advice

Information on this Site is provided for general educational and informational purposes only. It is not:

• Legal advice
• Tax advice
• Investment or financial planning advice

You should consult with your own attorney, tax professional, financial advisor, or other qualified professional regarding your specific situation.

Third-Party Links And Tools

The Site may include links to third-party websites, calculators, or tools that are not owned or controlled by us. We are not responsible for:

• The content, accuracy, or security of third-party sites
• Any products or services offered by third parties

Your use of third-party sites is at your own risk and subject to their terms and policies.

Disclaimers

To the fullest extent permitted by law:

• The Site and its content are provided “as is” and “as available” without any warranties of any kind, express or implied
• We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• We do not guarantee the accuracy, completeness, or timeliness of information on the Site

Any reliance you place on information on the Site is at your own risk.

Limitation Of Liability

To the maximum extent permitted by law, in no event shall we, our officers, employees, agents, or affiliates be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits or revenues
• Loss of data

arising out of or in connection with your use of, or inability to use, the Site, even if we have been advised of the possibility of such damages.

In all cases, our total liability to you for any claims relating to the Site shall not exceed the amount paid by you, if any, for accessing or using the Site.

Indemnification

You agree to indemnify, defend, and hold harmless us, our officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or in any way related to:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of a third party

Equal Housing And NMLS Disclosures

We are an Equal Housing Lender.

Company NMLS: 3094
Loan Officer NMLS: 108382

Loan programs, terms, and conditions may vary by state and are subject to change without notice. Not all products are available in all areas.

Governing Law

These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the state or jurisdiction in which the company is primarily licensed to originate loans, without regard to its conflict of law principles.

Changes To These Terms

We may update these Terms from time to time. The “Last updated” date above indicates when they were most recently revised. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

Contact Information

If you have questions about these Terms, contact us at:

Phone: 410-241-1622
Email: [email protected]
Contact page: https://marylanddownpaymenthelp.com/contact