Privacy Policy

Warens Financial Group respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at warensfinancial.com, complete a loan inquiry or application, communicate with us by phone, email, or text message, or otherwise interact with our services. Please read this Privacy Policy carefully. By accessing or using our website or services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

Warens Financial Group is a multistate licensed mortgage broker headquartered in Houston, Texas. We assist homebuyers, homeowners, and real estate investors in securing residential mortgage financing through our network of approved lending partners.

Business Address: 1415 North Loop Fwy, Suite 740, Houston, TX 77008 · Phone: (832) 990-1966 or (832) 304-0077 · Email: admin@warensfinancial.com · NMLS ID: 2532048.

We collect several categories of information from and about users of our website and services. The specific information collected depends on how you interact with us.

A. Personal Identifiers: full name; mailing address, property address, and previous addresses; email address; telephone number (including mobile number); date of birth; Social Security number; driver's license or government-issued ID number.

B. Financial Information: income, employment history, and employer information; bank account, asset, and investment information; existing debts, credit card balances, and monthly obligations; credit history and credit scores; tax returns and W-2 forms; pay stubs and bank statements.

C. Property and Transaction Information: information about the property you are purchasing or refinancing; loan amount, loan type, and loan purpose; real estate agent and other transaction party information.

D. Technical and Usage Information: IP address and device identifiers; browser type, operating system, and referring URLs; pages visited, time spent on pages, and links clicked; date and time of visits; geographic location (general, based on IP address).

E. Communications: records of phone calls, including call recordings where permitted by law and disclosed; email correspondence and content; text message content and metadata; voicemails and other voice communications.

Directly from you when you complete forms on our website, submit a loan application, communicate with us by phone, email, or text, or upload documents to our application portal.

Automatically when you visit our website, through cookies, web beacons, server logs, and analytics tools, including Google Analytics.

From third parties, including credit reporting agencies, banks, employers, real estate agents, title companies, government agencies, and our lending partners, in connection with processing your loan.

From referral sources, such as real estate professionals, financial advisors, and existing clients who refer you to us.

We use your information to evaluate your eligibility for mortgage products and process your loan application; to communicate with you about your loan inquiry, application, or active loan, including by phone, email, and text message; to verify your identity and prevent fraud; to pull and review your credit reports through authorized credit reporting agencies; to submit your application to our lending partners and underwriters; to provide rate quotes, loan estimates, and disclosures required by law; to send you marketing communications about mortgage products, rates, and educational content (you may opt out at any time); to improve our website, services, and customer experience; to comply with legal, regulatory, and licensing obligations; to respond to legal process, court orders, and government inquiries; and to enforce our agreements and protect the rights, property, and safety of Warens Financial Group, our clients, and others.

A. Cookies. Cookies are small data files placed on your device when you visit a website. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until they expire or you delete them).

B. Google Analytics. Our website uses Google Analytics, a web analytics service provided by Google LLC. Google Analytics uses cookies and similar technologies to help us analyze how visitors use our website. The information generated by these cookies (including your truncated IP address) is transmitted to and stored by Google on servers in the United States and other countries. Google Analytics helps us understand metrics such as the number of visitors, pages viewed, time spent on the site, traffic sources, and general geographic location. This information is used solely to improve our website and marketing effectiveness. You can opt out of Google Analytics tracking at any time by installing the Google Analytics Opt-Out Browser Add-on, available at tools.google.com/dlpage/gaoptout. For more information about how Google uses data, please visit policies.google.com/privacy.

C. Other Tracking Technologies. We may also use web beacons, pixels, and similar technologies through our customer relationship management (CRM) system, email service providers, and social media platforms (such as Meta/Facebook and Instagram) to measure engagement, retarget visitors, and improve our marketing campaigns.

D. ChatGPT Ad Measurement. If you separately allow ChatGPT ad measurement, we store an OpenAI ad click reference in this browser for up to 30 days. After our website accepts your inquiry, our server sends OpenAI that reference, an event identifier, the time, our website origin, and the fact that an inquiry was submitted. We use this to measure which ChatGPT ads lead to inquiries. We request that the event be excluded from future user-level personalization. We do not send your name, email, phone number, loan answers, financial details, or SMS consent through this integration. This choice is optional and separate from contacting us or receiving text messages. Use “ChatGPT ad privacy choices” on our website to decline or withdraw permission and clear the stored reference. We honor Global Privacy Control for this measurement. See OpenAI’s Privacy Policy.

E. Your Cookie Choices. Most web browsers allow you to control cookies through their settings. You can choose to block, delete, or be notified about cookies. Please note that disabling cookies may affect the functionality of certain features on our website.

We share your information only as necessary to provide our services and as permitted or required by law. We do not sell your personal information to third parties.

Recipients include lending partners and investors (such as wholesale lenders, banks, and mortgage investors) who underwrite, fund, or purchase your loan; credit reporting agencies (Equifax, Experian, TransUnion) to obtain and verify credit information; service providers who perform functions on our behalf, such as loan processing, underwriting, document management, electronic signature services, IT and hosting providers, CRM platforms, email and SMS messaging providers, and marketing partners; real estate transaction parties, including title companies, escrow agents, appraisers, real estate agents, attorneys, insurance providers, and county recorders, as needed to close your loan; government agencies and regulators, including the Consumer Financial Protection Bureau, the Texas Department of Savings and Mortgage Lending, the Nationwide Multistate Licensing System (NMLS), the Internal Revenue Service, and other federal, state, or local authorities as required by law; legal and professional advisors, such as attorneys, auditors, and consultants, when needed for legal compliance or business operations; and successors in interest in the event of a merger, acquisition, sale of assets, or similar business transaction, in which your information may be transferred as part of the transaction.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service or loan processing, is permitted. All other categories of information sharing exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Your mobile phone number, SMS opt-in status, and consent records are treated as confidential. We do not sell, rent, share, or otherwise transfer this information to third parties for their own marketing purposes.

By providing your phone number to Warens Financial Group and submitting a website form after reviewing its written SMS consent disclosure, you expressly consent to receive recurring text messages from us, including messages sent using automated technology. Consent to receive text messages is not a condition of any purchase or loan application.

In addition, by providing your phone number and giving express written consent, you agree that Warens Financial Group, LLC may contact you by phone call at that number, including calls placed using automated technology such as an autodialer or a prerecorded or artificial (AI) voice, for purposes including mortgage program information, rate updates, document requests, appointment scheduling, loan status updates, and marketing. Consent to receive automated calls is not a condition of obtaining any mortgage product or service, and you may revoke it at any time by contacting us.

Messages are limited to customer-care communications about your active loan inquiry or transaction, including appointment confirmations and reminders, document requests or receipts, and loan application or active-loan status updates. This SMS program does not send rate promotions, refinance marketing, or cold outreach. Message frequency varies based on your stage in the loan process. Message and data rates may apply. You can opt out at any time by texting STOP to any message you receive from us. Text HELP for assistance, or contact us using the information at the end of this Privacy Policy.

For complete details about our SMS messaging program, please review our SMS Terms and Conditions.

By providing your email address, you consent to receive emails from Warens Financial Group regarding your loan inquiry, application status, mortgage products, rate updates, educational content, and related services.

You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link located at the bottom of every marketing email we send, by replying to the email with "UNSUBSCRIBE" in the subject line, or by emailing us directly at admin@warensfinancial.com.

Please note that even after you unsubscribe from marketing emails, we may continue to send you transactional emails related to an active loan application, such as document requests, disclosures, closing notifications, and other communications required to service your loan or comply with legal obligations.

Our website may contain links to third-party websites, services, or resources, including links to lending partner websites, real estate services, social media platforms (such as Facebook, Instagram, TikTok, LinkedIn, and YouTube), and educational resources. This Privacy Policy does not apply to those third-party websites or services. We are not responsible for the privacy practices, content, or security of websites we do not control. We encourage you to review the privacy policies of any third-party websites you visit through links from our website.

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of sensitive data, secure document upload portals, access controls limited to authorized personnel, and regular security reviews.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of any login credentials or account information you create with us.

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Mortgage loan records are retained in accordance with federal and state record retention requirements, which generally require us to retain loan files for a minimum of three to five years after loan closing or denial, and longer for certain document types. After applicable retention periods expire, we will securely delete or anonymize your information.

As a licensed mortgage broker, Warens Financial Group is considered a "financial institution" under the federal Gramm-Leach-Bliley Act (GLBA). The GLBA and its implementing regulations require us to provide consumers with notice of our information collection and sharing practices and to safeguard nonpublic personal information.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law (such as to lenders processing a loan application, service providers, regulators, or as required by court order). We restrict access to nonpublic personal information about you to those employees and authorized service providers who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you are no longer our customer, we will continue to follow this Privacy Policy with respect to information we previously obtained about you.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 13 in compliance with the Children's Online Privacy Protection Act (COPPA). If we become aware that we have collected personal information from a child under 13 without verifiable parental consent, we will promptly delete that information.

Depending on your state of residence, you may have certain rights regarding your personal information, including: the right to know what personal information we collect, use, disclose, and retain about you; the right to access a copy of your personal information; the right to request correction of inaccurate personal information; the right to request deletion of your personal information, subject to legal exceptions; the right to opt out of the sale or sharing of your personal information (note: we do not sell personal information); and the right to non-discrimination for exercising your privacy rights.

To exercise any of these rights, please contact us at admin@warensfinancial.com or (832) 990-1966 or (832) 304-0077. We will respond within the timeframe required by applicable law. We may need to verify your identity before fulfilling your request.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), including: the right to know the categories and specific pieces of personal information we have collected about you in the past 12 months; the right to know the categories of sources from which personal information is collected, the business purposes for collection, and the categories of third parties with whom we share information; the right to request deletion of personal information, subject to certain exceptions; the right to correct inaccurate personal information; the right to limit the use and disclosure of sensitive personal information; the right to opt out of the sale or sharing of personal information (we do not sell personal information); and the right to non-discrimination for exercising your CCPA rights.

To exercise your California privacy rights, contact us at admin@warensfinancial.com with the subject line "California Privacy Request," or call us at (832) 990-1966 or (832) 304-0077. You may also designate an authorized agent to make a request on your behalf, subject to verification.

Warens Financial Group is licensed and regulated by the Texas Department of Savings and Mortgage Lending (SML). Texas residents wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a completed complaint form to: Texas Department of Savings and Mortgage Lending, 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705. Phone: 1-877-276-5550. Website: sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The Texas SML maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim.

Warens Financial Group maintains an internal Do Not Call and Do Not Text list. If you would like to be added to our internal Do Not Call or Do Not Text list, please contact us using the information at the end of this Privacy Policy. You may also register your number on the National Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222. Please allow up to 30 days for your request to be fully processed across our systems.

Our website and services are intended for users located in the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers and central databases are located. By using our website, you consent to such transfer and processing.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this Privacy Policy and, where appropriate, notify you by email, text message, or a notice on our website. We encourage you to review this Privacy Policy periodically. Your continued use of our website or services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy.

Warens Financial Group, 1415 North Loop Fwy, Suite 740, Houston, TX 77008. Phone: (832) 990-1966 or (832) 304-0077. Email: admin@warensfinancial.com. Website: warensfinancial.com. NMLS ID: 2532048.