← Back to The Colyer Team
1. Who We Are
The Colyer Team is operated by Michael Colyer, a licensed mortgage loan officer (NMLS #276626, DRE #01842442) operating under Approved Mortgage (NMLS #2688301, DRE #00904136). Our office is located at 2214 Faraday Ave, Carlsbad, CA 92008.
2. Information We Collect
Information You Provide
- Contact information: name, email address, phone number, mailing address
- Loan application data: income, employment, assets, liabilities, Social Security Number (last 4 digits stored), credit score range, property details
- Documents: paystubs, W-2s, tax returns, bank statements uploaded through our secure portal
- Rate Watch sign-ups: current mortgage rate, loan balance, property value, target rate
- Questions and inquiries: mortgage questions submitted through our Ask tool
Information Collected Automatically
- Usage data: pages visited, time on site, referral source, browser type
- Device information: IP address, operating system, screen resolution
- Cookies: We use essential cookies for site functionality. We do not use advertising or tracking cookies.
3. How We Use Your Information
- Process and evaluate your mortgage loan application
- Communicate with you about your application status, rate alerts, and mortgage options
- Verify your identity, employment, income, and creditworthiness
- Comply with federal and state lending regulations
- Improve our website and services
- Send you rate watch alerts you've requested
- Respond to your mortgage questions
We will never sell your personal information to third parties for marketing purposes.
4. Information Sharing
We may share your information with:
- Lending partners and underwriters — to process your loan application
- Credit reporting agencies — with your authorization, to pull credit reports
- Title and escrow companies — as needed to close your loan
- Appraisal management companies — to order property appraisals
- Government agencies — as required by law (HMDA reporting, regulatory compliance)
- Service providers — who help us operate our website (hosting, email delivery), under strict confidentiality agreements
5. Data Security
We protect your information using:
- HTTPS/TLS encryption on all pages
- Cloudflare security and bot protection
- Encrypted cloud storage for uploaded documents
- SSN stored as last 4 digits only
- Access controls limiting who can view your data
While we take reasonable measures to protect your data, no method of electronic transmission or storage is 100% secure.
6. Your California Privacy Rights (CCPA)
If you are a California resident, you have the right to:
- Know what personal information we collect and how we use it
- Delete your personal information (subject to legal retention requirements)
- Opt out of the sale of personal information — we do not sell your information
- Non-discrimination — we will not treat you differently for exercising your rights
To exercise these rights, contact us at [email protected] or call (650) 288-8170.
7. Gramm-Leach-Bliley Act (GLBA) Notice
As a mortgage lender, we are required to provide you with a privacy notice under the GLBA. This policy serves as that notice. We collect nonpublic personal information (NPI) from your loan application, credit reports, and our transactions with you. We do not disclose NPI to nonaffiliated third parties except as permitted by law (e.g., to process your loan, comply with legal requirements, or with your consent).
8. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, plus any period required by applicable law. Mortgage-related records are typically retained for a minimum of 3-5 years after the loan closes or the application is withdrawn, as required by federal and state regulations.
9. Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this policy from time to time. Changes will be posted on this page with an updated effective date.
11. Contact Us
If you have questions about this privacy policy or your personal information:
12. Regulatory Complaints
If you have a complaint about our handling of your personal information or our mortgage services, you may contact: