This Privacy Policy explains how HMCO, LLC (“HMCO,” “we,” “us” or “our”) handles information collected through this public website. A separate privacy notice may apply when you become a mortgage applicant or customer.
1. Scope
This policy applies to information collected through myhmco.com and public HMCO web pages that link to this policy. It does not replace the privacy policy or security terms of a third-party mortgage application, scheduling, document-upload, lender, credit-reporting, settlement-service or social-media platform. Review those providers’ notices before submitting information.
2. Information we collect
Information you choose to provide
We may collect your name, email address, telephone number, property state, reason for contacting us, preferred Loan Officer and the content of messages you send. Do not submit Social Security numbers, account numbers, tax documents, bank statements or other sensitive financial records through a general website form or ordinary email.
Mortgage application information
When you choose to apply, this website routes you to HMCO’s designated secure application provider after checking state availability. Information submitted in that portal may include identity, credit, employment, income, asset, debt, property and transaction information needed to evaluate or arrange mortgage options. That information is governed by applicable financial-privacy notices, laws and provider terms.
Device and usage information
Our web server and service providers may receive Internet Protocol address, browser type, device type, referring page, pages visited, date and time, error logs and similar technical information used to operate, secure and improve the site.
3. How we use information
We may use information to respond to inquiries; connect you with an appropriately licensed HMCO Loan Officer; check service availability; provide requested mortgage education; operate and secure the website; prevent fraud or misuse; maintain records; comply with law, licensing and regulatory obligations; and improve our services and communications.
HMCO does not use a calculator result as a credit decision. Calculator inputs in this website package are processed in your browser and are not designed to be transmitted to HMCO.
4. How we share information
We may disclose information to HMCO personnel and Loan Officers who need it to respond; technology, hosting, communications, scheduling and security providers acting for HMCO; approved lenders and service providers when you request or authorize mortgage services; regulators, law enforcement or other parties when required or permitted by law; and parties involved in a business reorganization or transfer subject to appropriate protections.
HMCO does not sell personal information for money. We do not disclose nonpublic personal information except as permitted by law, described in an applicable financial privacy notice, or authorized by you.
5. Cookies, fonts and analytics
This website may use necessary cookies or local browser storage to support security, preferences and core functions. The current website package loads font resources from Google Fonts and does not include advertising pixels. If HMCO adds analytics, advertising or other optional tracking technology, this policy and any required consent controls should be updated before deployment.
6. Security and retention
HMCO uses administrative, technical and physical safeguards designed to protect information. No website, email or transmission method is completely secure. Use only the designated secure application portal for sensitive mortgage information.
We retain information for as long as reasonably necessary for the purpose collected, to serve the relationship, to meet legal and regulatory recordkeeping requirements, to resolve disputes and to protect HMCO and consumers. Retention periods vary by information type and applicable law.
7. Your choices and rights
You may ask to update contact information, unsubscribe from non-transactional marketing, or ask questions about our privacy practices by contacting us below. Depending on where you live and the law that applies, you may have additional rights concerning access, correction, deletion, portability or certain disclosures. Those rights may have exceptions for financial information regulated by federal or state law.
We do not knowingly collect personal information from children under 13 through this website. Mortgage products and services are not directed to children.
8. External links
This website links to independent websites, including the secure application provider, scheduling tools, government resources and social platforms. HMCO is not responsible for the privacy or security practices of those third parties.
9. Changes to this policy
We may revise this policy as the website, services or legal requirements change. The effective date at the top identifies the current public version.
10. Contact HMCO
HMCO, LLC
335 Ames Rd, Canton, NY 13617
NMLS #2799257
hello@myhmco.com
(888) 801-2004
For a service concern or complaint, visit the Consumer Support and Complaints page.