Privacy Policy

This Privacy Policy describes how Homeseed Lending Team (the "Team") operating with and through Barrett Financial Group, L.L.C. (NMLS #181106) (collectively, "we", "us", or "our") collects, uses, discloses, and protects information in connection with our mortgage brokerage services and this website located at https://www.homeseedlendingteam.com (the "Site").

U.S.-Only Services

We originate loans and provide services exclusively to consumers in the United States. We do not target or intentionally market to individuals in the European Union, United Kingdom, or other jurisdictions outside the U.S. The privacy disclosures below focus on U.S. federal and state requirements (including CCPA/CPRA and similar laws).

Scope and Relationship to Financial Privacy Laws

As a mortgage broker, certain information we collect and process is subject to the Gramm‑Leach‑Bliley Act (GLBA) and applicable state financial privacy laws. Where GLBA applies, those obligations govern and may limit some consumer privacy rights described in state privacy laws. We also provide state‑specific disclosures for California and other states below.

Information We Collect

We collect information in the following categories:

• Identifiers and contact details: name, email, phone, address, IP address, device identifiers.
• Application and financial information: income, employment, assets, liabilities, credit profile, property details, and related mortgage application data when you choose to apply or provide documents.
• Usage data: pages viewed, referral URLs, browser and device data, approximate location, and interactions with forms and tools (e.g., calculators), collected via analytics and cookies.
• Communications: records of calls, emails, texts, scheduling, and chat interactions with our team.
• Lead and referral information: details provided by you or trusted partners (e.g., real estate agents) when you request contact or services.

Sources of Information

• You when you submit forms, upload documents, call, text, or email us.
• Our Site and tools via cookies, pixel tags, and analytics that record visits and interactions.
• Service providers and lenders involved in processing your mortgage application (e.g., credit, VOE/VOA, AUS, disclosures, e‑sign providers).
• Public sources and lawful third‑party data sources for identity, property, and risk checks.

How We Use Information

• Provide, operate, and improve our Site, calculators, and customer experience.
• Respond to inquiries; schedule consultations; process pre‑approvals and applications.
• Broker and compare loan options across our lender network; underwrite and close loans with lending partners.
• Verify identity, prevent fraud and misuse, manage security and compliance.
• Conduct analytics, quality assurance, reporting, and auditing.
• Send service communications and, where permitted, limited marketing updates (with opt‑out choices).

Sharing and Disclosures

We share information as reasonably necessary to deliver our services:

• Lenders and investors: to underwrite, price, and fund your loan, and to provide legally required disclosures.
• Service providers: CRM, document and e‑sign solutions, verification vendors, analytics, hosting, and security providers bound by contractual confidentiality and use limitations.
• Affiliates and the parent company (Barrett Financial Group, L.L.C.) for compliance, reporting, and operations.
• Regulators, credit bureaus, and law enforcement as required by law or to protect rights and security.
• Business transfers: in the event of a merger, acquisition, or reorganization, subject to this Policy.

Cookies and Analytics

We use cookies and similar technologies to operate the Site, remember preferences, and perform analytics. You can manage cookies via your browser settings. See our Cookie Policy for details.

Marketing Preferences

We may send service messages related to your requests or application. For marketing emails, you can unsubscribe via the link in the message. For text messages, reply STOP to opt out. Standard carrier rates apply.

Data Retention

We retain information as needed for the purposes described above, to comply with legal and audit obligations, resolve disputes, and enforce agreements. Mortgage records are retained consistent with federal and state recordkeeping requirements.

Security

We use administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.

Children’s Privacy

Our services are not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe a child provided information, contact us to request deletion.

State Privacy Rights

Depending on your state, you may have rights to access, correct, delete, or limit certain personal information, and to opt out of targeted advertising or certain sharing. Some information processed under GLBA is exempt from these state privacy rights. To submit a request, contact us as described below. We will verify your identity and respond as required by law.

• California (CCPA/CPRA): We do not sell or share personal information as defined by CCPA/CPRA. We may disclose information to service providers and lenders for business purposes. You may request access or deletion subject to GLBA exemptions. Use our Do Not Sell or Share link to disable analytics sharing that could otherwise be considered "selling" or "sharing" under California law.
• Virginia, Colorado, Connecticut, Utah, and others: Similar rights may apply. Requests may be limited by GLBA or other exemptions. Opting out of analytics via the same link addresses any “targeted advertising” or “sale” definitions in those states.

Your Choices

• Update your contact preferences (email/text) using the opt-out links included in those communications.
• Configure browser settings to block or clear cookies if you prefer additional control.
• Use the Do Not Sell or Share My Personal Information link to disable analytics sharing at any time.
• Contact us to request access, correction, or deletion to the extent permitted by law.

Third‑Party Links and Tools

Our Site may link to third‑party websites or tools. Their privacy practices are governed by their policies.

Changes to this Policy

We may update this Policy from time to time. Material changes will be posted on this page with an updated date.

Contact Us

For privacy questions or requests, contact us: