Privacy Policy

MHAppTrack (“Company,” “we,” “us,” or “our”) is committed to safeguarding the privacy, confidentiality, and security of personal and financial information in accordance with applicable United States data protection and financial privacy laws. This Privacy Policy describes how we collect, use, disclose, store, and protect information in connection with our online application services for manufactured home financing.

This Policy is designed to comply with applicable laws and regulations, including, where applicable, the California Consumer Privacy Act (“CCPA”), the Gramm-Leach-Bliley Act (“GLBA”), the Fair Credit Reporting Act (“FCRA”), and applicable Federal Trade Commission (“FTC”) regulations and guidance.

By accessing or using our services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

1. Information We Collect

In the course of providing our services, we collect “Nonpublic Personal Information” (“NPI”) as defined under GLBA, which may include:

Identifying information (e.g., full name, email address, telephone number, address)
Financial and credit-related information (e.g., income, employment, assets, liabilities, and other application data)
Information provided in connection with mortgage or financing applications
Technical and usage data collected through our platform

Such information is collected directly from you or through your use of our application services and is limited to what is necessary to facilitate financing applications and related services.

2. Purpose of Information Use

We collect and process personal information for legitimate business and legal purposes, including:

Facilitating the submission of mortgage and financing applications to designated Manufactured Home Retailers and their lending partners
Enabling document execution and delivery through third-party providers such as DocuSign
Supporting underwriting, verification, and application processing activities
Communicating with you regarding your application and related services
Maintaining records for compliance with legal and regulatory obligations

3. Data Storage, Security, and Safeguards (GLBA Compliance)

All personal and financial information is securely stored on licensed and secured Amazon Web Services (AWS) infrastructure. We maintain a comprehensive information security program consistent with the safeguards requirements of the Gramm-Leach-Bliley Act.

We implement administrative, technical, and physical safeguards designed to:

Ensure the security and confidentiality of customer information
Protect against anticipated threats or hazards to the security or integrity of such information
Protect against unauthorized access to or use of such information that could result in substantial harm or inconvenience

All data is encrypted using industry-leading encryption standards both in transit and at rest.

4. Information Sharing and Disclosure (GLBA & FCRA)

We do not sell personal information. We may disclose Nonpublic Personal Information only as permitted by applicable law, including:

To designated Manufactured Home Retailers and their affiliated lenders for the purpose of processing your application
To service providers (e.g., DocuSign, cloud hosting providers) who perform services on our behalf under strict confidentiality obligations
To comply with federal, state, or local laws, regulations, legal processes, or enforceable governmental requests
To protect the rights, property, or safety of MHAppTrack, our users, or others
Designated Manufactured Home Retailers and their affiliated lenders may submit to credit reporting agencies, financial institutions, or other entities as necessary to facilitate credit evaluation, underwriting, or financing decisions, consistent with the Fair Credit Reporting Act

All third parties are required to maintain the confidentiality and security of information and are contractually restricted from using such information for unauthorized purposes.

5. Credit Reporting and FCRA Notice

In connection with your application, your information may be used by third parties to obtain consumer reports or other credit-related information as defined under the Fair Credit Reporting Act. MHAppTrack does not itself make credit decisions but facilitates the transmission of information to parties that may do so.

Any credit decisions, including approvals or denials, are made solely by the applicable lender or financing entity. You may have rights under FCRA to access and dispute information contained in your consumer reports by contacting the applicable consumer reporting agencies.

6. Data Retention

We retain personal and financial information solely in its capacity as a data service provider and only for the limited period necessary to fulfill the purposes outlined in this Privacy Policy, not to exceed six (6) months from the date of collection, unless a longer retention period is required or permitted by applicable law.

Manufactured Home Retailers and their affiliated lenders that receive such information are independent entities and are subject to their own data retention obligations under applicable federal and state laws and regulations. MHAppTrack does not control and is not responsible for the retention practices of such third parties.

7. Your Privacy Rights (California Residents)

Under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), California residents may have the right to:

Request access to categories and specific pieces of personal information collected
Request deletion of personal information, subject to legal exceptions (including financial compliance obligations)
Request correction of inaccurate personal information
Opt out of the sale or sharing of personal information (note: we do not sell personal information)
Limit the use of sensitive personal information, where applicable
Receive equal service and pricing without discrimination for exercising privacy rights

To exercise any of these rights, please contact us as described below.

8. Authorized Communications and Consent

By submitting an application through MHAppTrack, you expressly consent to:

The collection and use of your personal and financial information as described in this Privacy Policy
The transmission of your application and related data to the designated Manufactured Home Retailer and associated lenders
Being contacted by such parties regarding your application, including via phone, email, or other communication methods permitted by applicable law

9. Cookies and Tracking Technologies

We may use cookies and similar technologies to enhance user experience, analyze usage, and improve platform performance. You may manage cookie preferences through your browser settings, subject to functional limitations.

10. Updates to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time to reflect changes in legal, regulatory, or operational requirements. Updates will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of such updates.

11. Contact Information

If you have any questions or concerns regarding this Privacy Policy or our data handling practices, please contact us by submitting an inquiry through the contact form available on our website. Please include sufficient detail regarding your inquiry so that we may respond in a timely and appropriate manner.