How we collect, use, and protect your information

This Policy applies to Nest Vibez (Prabhu Rangaraju DBA Nest Vibez), Powered by Emortgage Capital. It covers information collected online and offline in connection with our mortgage-related services and marketing.

This Policy is intended to align with applicable U.S. federal and state requirements that may apply to our business, including the Gramm-Leach-Bliley Act (GLBA) for nonpublic personal information in a financial context, and California consumer privacy laws (CCPA/CPRA) where applicable.

We may collect:

• Identity and contact data: name, email address, phone number, mailing address, and similar identifiers.

• Inquiry details: notes you provide, property interest, loan purpose (purchase, refinance, equity), and preferred contact method.

• Calculator / estimate inputs: home value, down payment, rate assumptions, term, tax/insurance/PMI/HOA estimates, and related scenario data.

• Technical data: IP address, browser type, device information, pages viewed, referring URL, and approximate location derived from IP.

• Communications: call recordings or message logs where permitted by law and disclosed at the time of collection.

• Sensitive or financial information only when you voluntarily provide it or when required for a loan process (for example income or credit-related details through secure application channels).

We collect information directly from you (forms, email, phone, SMS), automatically through cookies and similar technologies, and occasionally from service providers who support hosting, analytics, communications, or lead routing.

We use personal information to:

• Respond to inquiries and provide mortgage-related information.

• Generate illustrative estimates or PDF reports you request.

• Operate, secure, and improve our website and customer experience.

• Comply with legal, regulatory, licensing, and recordkeeping obligations.

• Send marketing communications where permitted (you may opt out as described below).

• Detect, prevent, and investigate fraud, abuse, or security incidents.

We may use cookies, pixels, and similar technologies for essential site functions, analytics, and marketing performance. You can control cookies through your browser settings. Disabling cookies may affect site functionality.

Where required by law, we will provide additional notice or choice mechanisms for non-essential cookies.

We do not sell personal information for money in the conventional sense. We may share information with:

• E Mortgage Capital, Inc. and affiliated personnel involved in servicing your inquiry or loan process.

• Service providers under contract (hosting, email/SMS, analytics, document tools) who process data on our behalf.

• Regulators, courts, or law enforcement when required by law or to protect rights, safety, and security.

• Successors in connection with a merger, acquisition, or asset transfer, subject to appropriate protections.

As a mortgage professional affiliated with a financial institution, we handle nonpublic personal information in accordance with the Gramm-Leach-Bliley Act and applicable privacy notices provided in connection with loan transactions.

Information collected solely through general website marketing may be treated differently from information collected as part of a consumer’s formal loan file. Application-stage notices control where they apply.

If you are a California resident, you may have rights to know/access, delete, correct, and opt out of sale/sharing of personal information, and to limit use of sensitive personal information, subject to legal exceptions.

To exercise rights, contact us at prangaraju@emortgagecapital.com or +1 973-873-8332 with “California Privacy Request” in the subject line. We will verify your request as required by law and will not discriminate against you for exercising privacy rights.

• Categories collected may include identifiers, commercial information (inquiry interest), internet activity, and professional or other information you provide.

• We collect information for the business purposes described in this Policy.

Residents of certain other states may have similar rights under state privacy laws. Contact us to submit a request. We will honor applicable rights to the extent required.

You may opt out of marketing emails by using unsubscribe links or emailing prangaraju@emortgagecapital.com. For phone/SMS marketing, follow opt-out instructions in the message or contact us.

We honor applicable Telemarketing Sales Rule / TCPA requirements and Do Not Call preferences for marketing calls where required.

We use administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is 100% secure. Please use care when sending sensitive information by email.

We retain information as needed for the purposes described in this Policy, to comply with legal and regulatory retention requirements (including mortgage-related recordkeeping), resolve disputes, and enforce agreements.

This website is not directed to children under 13 (or under 16 where applicable). We do not knowingly collect personal information from children. If you believe we have, contact us and we will take appropriate steps to delete it.

Our services are directed to the United States. If you access the site from outside the U.S., you understand information may be processed in the United States.

We may update this Privacy Policy periodically. The “Last updated” date will reflect changes. Material changes may be highlighted on the site or communicated as required by law.

Privacy questions or requests: prangaraju@emortgagecapital.com · +1 973-873-8332 · 3750 S Susan Street, Santa Ana, California 92704.