Total Quality Lending (“TQL”) is committed to ensuring your privacy. We strive to protect the confidentiality of all information that you provide. This policy describes how TQL treats your information on our website and when you apply for a financial product with TQL.
INFORMATION WE COLLECT
- If you apply for a loan we may collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from a consumer reporting agency.
HOW WE USE YOUR INFORMATION
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
When you visit our website, we collect information about your browser, device, IP address and operating system, the site you came from, and the pages you view, so we can run and improve the site. We share some of this information with our advertising partners, as described in Your Privacy Choices below, and you can opt out of that sharing at any time.
When you apply for a mortgage loan with TQL, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
When you apply for a mortgage loan with TQL through this website, you can always review and request changes to personal information collected through this website by contacting the loan originator or processor assigned to your loan application.
USE OF COOKIES
Our web site may use “cookies” to measure site activity and to customize information to fit your preferences. Cookies enable the site to remember who you are. Our cookies do not contain your name, contact details or financial information.
DEFINITION OF COOKIES
A “cookie” is a small piece of information sent by a web server to a web browser enabling the browser to remember specific bits of information. The information stored within a cookie can be read only by the web server that originally sent the cookie.
TYPES OF COOKIES
The two types of cookies are session cookies and persistent cookies. The key difference between session cookies and persistent cookies is the time of expiration. Session cookies expire at the end of the session and Persistent cookies do not expire at the end of the session.
HOW YOU CAN CONTROL COOKIES
If you wish not to accept cookies and prevent TQL from tracking your visits across multiple websites, you can configure your browser to reject all cookies or notify you when a cookie is set. Most browsers give you an ability to control and block cookies. If you block cookies on your browser, certain features on our website may not work.
We take your online privacy seriously and you can be assured that any information provided by you will be kept confidential. When TQL makes any material changes to this policy, we make them immediately available to you on this website. If you have a question or would like more information contact us.
YOUR PRIVACY CHOICES (DO NOT SELL OR SHARE)
We and our advertising partners (Google, Meta and OpenAI) use cookies, pixels and similar technologies on this website. They collect identifiers such as cookie and device IDs, your IP address, your browser type and the pages you view here, and, when you submit a form, a scrambled (hashed) version of your email address or phone number. They use this to measure visits and ad performance and to personalize the ads you see, including on other websites. Some state laws, including the California Consumer Privacy Act, treat this as a “sale” or “sharing” of personal information.
You can opt out at any time with the “Do Not Sell or Share My Personal Information” link at the bottom of every page, or with the button below. We also honor the Global Privacy Control (GPC) signal: if your browser sends it, we treat that browser as opted out automatically and show “Opt-Out Request Honored” in Your Privacy Choices.
Your choice is saved on this browser, so make it on each browser and device you use; clearing your cookies clears it. If you submit a form after opting out, the opt-out also applies to the information you submit. Opting out does not change how we use the information you give us to answer your inquiry or process a loan, and we will not treat you differently for making this choice. You can also opt out by phone, as described in our CCPA Privacy Notice.
AI ASSISTANT (CHAT AND VOICE)
Quinn, the assistant on this website, is an artificial intelligence (AI) program, not a person. You can type to Quinn or talk to it with Live, our voice mode. Its answers can be wrong, and nothing it says is a loan offer, approval or commitment. A licensed loan officer contacts you only if you ask for one and send us your contact details.
When you use Quinn, we collect the messages you type, what you say in a voice conversation, any documents or images you upload, and the address of the page you are on, along with technical details such as your IP address, browser and time zone. In a voice conversation your voice is streamed to Google Cloud and converted to text as you speak; we do not keep audio recordings. If you use the microphone button to dictate a typed message, your browser’s own speech service turns your voice into text before it reaches us.
We use this information to answer your questions, to connect you with a loan officer when you ask, and to monitor and improve the assistant’s accuracy and security. Google Cloud processes it on our behalf, as our service provider, to run the AI that understands and answers you. We do not sell it or share it for advertising.
Our systems keep records of your conversations, including transcripts of your chats and voice conversations, with sensitive numbers masked, for up to 90 days, and then delete them. Your chat history is also saved in your browser so you can return to it; a conversation you have not continued for 30 days is deleted from your device automatically. If you ask a loan officer to contact you, the details you send in the contact form and a copy of your conversation with Quinn, with sensitive numbers masked, become part of your inquiry and are kept with our customer records, so the loan officer can pick up where you left off. If you rate an answer or a voice call, or send us a comment about Quinn, we keep your rating and comment together with the conversation they are about, with sensitive numbers masked, for the same 90 days, so we can see what went wrong and improve the assistant.
Please do not type or say your Social Security number, bank or card account numbers, or other sensitive financial information to Quinn. If your loan needs that information, a loan officer will collect it separately.
To delete your chat history from this browser, clear this website’s cookies and site data in your browser settings. On a computer, you can also open the chat in full screen and delete a conversation with the trash icon beside it. To ask us to delete what our systems hold before the 90 days are up, contact us.
BOT DETECTION AND FORM SECURITY
To protect our forms from automated abuse, this website uses Cloudflare Turnstile, a security service that checks whether a form is being submitted by a person rather than by an automated program. The check runs silently in your browser when you submit a form. You are never asked to solve a puzzle, identify images, or complete any other task.
To perform this check, Cloudflare may collect information about your browser and device, including your IP address and browser characteristics. Cloudflare does not use this information to identify you personally or to serve you advertising. Cloudflare’s Turnstile Privacy Addendum describes how Cloudflare handles this information.
