This Privacy Policy describes how Adam Evans ("I," "me," or "my"), a mortgage loan officer with United American Mortgage Corporation ("UAM" or "the Company"), collects, uses, shares, and protects your personal information when you visit this website, contact me, or apply for mortgage-related services. Please read this policy carefully.
1. Information I Collect
I may collect the following categories of information:
Information You Provide Directly
- Contact information: name, email address, phone number, mailing address
- Financial information: income, credit score range, employment status, assets, existing debts, and other information relevant to evaluating your mortgage options
- Property information: property address, estimated value, loan purpose, and related details
- Loan Estimates and related documents you voluntarily upload for review
- Communications: messages, emails, or voicemails you send me
Information Collected Automatically
- Device and usage data: IP address, browser type, device type, operating system, referring URL, pages viewed, and time spent on the site
- Cookies and similar technologies: small data files stored on your device to help the site function and provide analytics
Information from Third Parties
With your consent or as permitted by law, I may receive information from credit reporting agencies, verification services, real estate agents, title companies, and other parties involved in your mortgage transaction.
2. How I Use Your Information
I use your information to:
- Respond to your inquiries and provide mortgage consultation services
- Review Loan Estimates and provide second opinions
- Process loan applications and coordinate with lenders, underwriters, and other service providers
- Communicate with you about your loan, refinance options, or market updates (when you opt in)
- Comply with legal, regulatory, and licensing obligations
- Improve the website and my services
- Detect, prevent, and address fraud or security issues
3. How I Share Your Information
I do not sell your personal information. I may share it in the following limited circumstances:
- With United American Mortgage Corporation and its affiliates as necessary to provide mortgage services
- With lenders, brokers, and loan-related service providers (underwriters, appraisers, title companies, escrow agents) as required to process your loan
- With service providers who support my business operations (CRM platforms, email services, document storage) under confidentiality agreements
- For legal compliance when required by law, subpoena, or to protect rights, property, or safety
- In connection with a business transfer such as a merger or acquisition (with appropriate notice to you)
4. Your Rights and Choices
California Residents (CCPA/CPRA)
If you are a California resident, you have the right to:
- Know what personal information is collected, used, and disclosed about you
- Request deletion of your personal information, subject to legal exceptions
- Correct inaccurate personal information
- Opt out of the sale or sharing of your personal information (I do not sell your information)
- Limit the use of sensitive personal information
- Be free from discrimination for exercising these rights
To exercise these rights, contact me using the information below.
All Users
- Opt out of marketing: you can unsubscribe from emails by following the unsubscribe link or by contacting me directly
- Cookies: you can disable cookies in your browser settings, though this may affect site functionality
- Do Not Track: this site does not currently respond to Do Not Track browser signals
5. Data Security
I take reasonable administrative, technical, and physical measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and I cannot guarantee absolute security.
6. Data Retention
I retain your information for as long as necessary to provide services, comply with legal and regulatory obligations, resolve disputes, and enforce agreements. Loan Estimates uploaded for free review are deleted within 30 days of review, or sooner upon request. Loan application files are retained as required by applicable state and federal mortgage lending regulations.
7. Children's Privacy
This site is not directed to individuals under the age of 18, and I do not knowingly collect personal information from children. If you believe a child has provided information to me, please contact me and I will delete it.
8. Third-Party Links
This site may contain links to third-party websites, such as the NMLS Consumer Access portal. I am not responsible for the privacy practices or content of those sites. Please review their privacy policies before providing any information.
9. Changes to This Policy
I may update this Privacy Policy from time to time. When I do, I will post the updated version with a revised "Last updated" date. Material changes will be communicated through prominent notice on the site or direct notification.
10. Contact Me
If you have questions about this Privacy Policy or want to exercise your privacy rights, please reach out:
This Privacy Policy is for informational purposes only and does not create a legal agreement or client relationship. United American Mortgage Corporation may have additional privacy disclosures that apply to your loan application. Always refer to the Company's official disclosures for binding terms.