Who is collecting personal information?

Where this web site specifically asks for your personal information (for example to respond to requests for information or to register users for particular services), your personal information will only be collected by staff of Humboldt Mortgage Company.

Is your personal information shared?

Your personal information will not be forwarded or sold to any unaffiliated third party for marketing or used for any similar purpose.  To the extent allowed or required by applicable law, personal information collected on this web site may be shared with third parties as necessary for Humboldt Mortgage Company to provide requested services when your consent is provided.

1. Introduction
Humboldt Mortgage Company is committed to protecting the
privacy of individuals who interact with our SMS (Short Message Service)
communications. This SMS Compliance Privacy Policy explains how we collect,
use, disclose, and protect personal information obtained through our SMS programs. This
Policy is specifically focused on SMS communications.

2. Scope
This Policy applies to all SMS communications sent by or on behalf of Humboldt Mortgage Company,
including but not limited to:

  • Appointment reminders
  • Order confirmations
  • Account updates
  • Promotional messages
  • Customer service interactions
  • Emergency notifications
  • Two-factor authentication codes

3. Information We Collect
When you interact with our SMS program, we may collect the following types of
information:

  • Mobile Phone Number: Your mobile phone number is essential for delivering SMS messages.
  • Message Content: We may retain the content of SMS messages you send to us and that we
    send to you. This is for record-keeping, quality assurance, and to address any inquiries or
    disputes.
  • Consent Records: We maintain records of your consent to receive SMS messages, including the
    date, time, and method of consent (e.g., opt-in keyword, web form submission).
  • Opt-Out Records: We maintain records of your opt-out requests.
  • Delivery Status: We track whether messages are successfully delivered.
  • Interaction Data: We may collect data about your interactions with our SMS messages, such as
    whether you clicked on any links included in the message (if applicable).
  • Device Information (Limited): In some cases, we may indirectly receive limited device
    information, such as the mobile carrier associated with your phone number. This is typically
    obtained through our SMS service provider. We do NOT actively collect detailed device
    identifiers or location data through our SMS program.
  • Information you provide: We will collect any information that you provide via SMS.

4. How We Use Your Information
We use the information we collect through our SMS program for the following purposes:

  • Sending SMS Messages: To send you the SMS messages you have requested or consented to
    receive, including the types of messages listed in Scope.
  • Providing Customer Support: To respond to your inquiries, troubleshoot issues, and provide
    assistance related to our products and services.
  • Improving Our Services: To analyze message delivery rates, engagement, and overall program
    effectiveness to improve our SMS communications.
  • Compliance with Laws and Regulations: To comply with applicable laws and regulations related
    to SMS messaging, including the Telephone Consumer Protection Act (TCPA) and carrier
    guidelines.
  • Legal Requirements: To respond to lawful requests from government authorities or to protect our
    legal rights.
  • Internal Business Purposes: For internal business purposes related to the logging of
    communication.

5. Disclosure of Your Information
We may disclose your information to the following third parties:

  • SMS Service Providers: We use third-party service providers to send and manage our SMS
    communications. These providers have access to your mobile phone number and message
    content but are contractually obligated to protect your information and use it only for the purpose
    of providing SMS services to Humboldt Mortgage Company.
  • Legal Authorities: We may disclose your information to law enforcement, government agencies,
    or other third parties if required by law or legal process or if we believe in good faith that
    disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets,
    your information may be transferred as part of that transaction. We will notify you via SMS (if
    feasible) and/or a prominent notice on our website of any change in ownership or uses of your
    personal information.
  • Affiliates: We may share information with our affiliated companies for the purposes outlined in
    this policy.
  • With your consent: We may share information for any purpose with your consent.

Your Choices and Control (Opt-Out)

  • Opting Out: You can opt out of receiving SMS messages from Humboldt Mortgage Company at any time by
    replying “STOP,” “QUIT,” “CANCEL,” “END,” or “UNSUBSCRIBE” to any of our messages. We
    will process your opt-out request promptly, and you will receive a confirmation message.
  • Opting Back In: If you opt out and later wish to receive SMS messages again, you will need to
    re-subscribe through the original opt-in method (e.g., texting the opt-in keyword, submitting a
    web form or sending a email).
  • Help: You can text “HELP” to receive information about our SMS program, including contact
    information.

7. Data Security
We take reasonable measures to protect your information from unauthorized access, use,
or disclosure. These measures include:

  • Secure Storage: We store your information on secure servers with restricted access.
  • Data Encryption: We use encryption to protect your mobile phone number and message content
    during transmission and storage, where feasible.
  • Access Controls: Only authorized personnel have access to your information.
  • Service Provider Agreements: We have agreements with our SMS service providers that require
    them to maintain appropriate security measures.

8. Data Retention
We retain SMS message content and associated data for 3 years for legal and compliance
purposes.

9. Children's Privacy
Our SMS program is not intended for children under the age of 18. We do not knowingly
collect personal information from children through our SMS program. If you believe we
have inadvertently collected information from a child, please contact us immediately.

10. Changes to this Policy
We may update this Policy from time to time. We will notify you of any material changes by
sending an SMS message (if feasible) or by posting a notice on our website. Your
continued use of our SMS program after the effective date of the revised Policy constitutes
your acceptance of the changes.

11. Contact Us
If you have any questions or concerns about this Policy or our SMS practices, please
contact us at: Humboldt Mortgage Company, 2037 Harrison Avenue
Eureka, CA 95501, (707) 445-3027, and financing@humboldtmortgage.net