This Privacy Policy describes how Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962, and Innovative Mortgage Services, Inc. d/b/a Loans by Kelly, NMLS #250769 (“we,” “us,” or “our”), collect, use, disclose, and protect information in connection with loansbykelly.net (the “Site”) and the mortgage origination services promoted through the Site.
Loans by Kelly is a registered fictitious name of Innovative Mortgage Services, Inc. for use in the State of Florida. Mortgage services advertised through this Site under the Loans by Kelly name are intended only for properties located in Florida.
As providers of financial services, we take the privacy of nonpublic personal information seriously. We maintain privacy and information-security practices consistent with the Gramm-Leach-Bliley Act (“GLBA”), Regulation P, and other applicable federal and state requirements.
Kelly Figueiredo is a Mortgage Loan Originator, NMLS #1880962, originating residential mortgage loans through Innovative Mortgage Services, Inc., NMLS #250769.
Innovative Mortgage Services, Inc. is a Florida-licensed mortgage lender operating under Florida Mortgage Lender License MLD178.
Loans by Kelly is a registered fictitious name of Innovative Mortgage Services, Inc. and is not a separately licensed mortgage company.
Licensing information may be verified at
www.NMLSConsumerAccess.org
Information You Provide Through General Site Forms
When you submit a general contact or mortgage scenario form, we may collect:
General Site forms are intended only for preliminary, informational discussions. They are not mortgage loan applications.
Do not submit Social Security numbers, dates of birth, bank account information, tax returns, bank statements, credit reports, government identification documents, passwords, wiring instructions, or other sensitive financial information through a general Site form or by regular email.
If you decide to proceed with a mortgage loan application, you will be directed to a secure mortgage application platform operated or authorized by Innovative Mortgage Services, Inc.
Information required for a mortgage application may include:
Sensitive application information and supporting documents must be submitted through the designated secure mortgage application or document portal—not through the Site’s general forms or ordinary email.
When you visit the Site, we or our service providers may automatically collect limited technical information, including:
If you apply for a mortgage loan, Innovative Mortgage Services, Inc. may obtain information from third parties involved in evaluating or completing the transaction, including:
We may use information to:
Submitting a general Site form does not constitute a mortgage loan application, establish a lender-borrower relationship, or guarantee any financing outcome.
We do not sell your personal information.
We may disclose information when reasonably necessary to provide services, complete a transaction, protect our operations, or comply with law, including to:
Information may be disclosed to lenders, underwriters, processors, appraisers, insurers, title companies, escrow agents, closing agents, and other parties involved in originating or closing a mortgage loan.
Information may be provided to companies that support our operations, including secure application platforms, customer relationship management systems, website-hosting providers, form-processing services, email and communication providers, cybersecurity vendors, analytics providers, and data-verification services.
Information submitted in connection with mortgage services may be provided to Innovative Mortgage Services, Inc., its authorized personnel, and its permitted service providers for mortgage origination, compliance, quality control, recordkeeping, and related business purposes.
Information may be disclosed when required or permitted by law, regulation, subpoena, court order, examination, audit, licensing requirement, or other lawful governmental request.
Information may be disclosed when reasonably necessary to detect fraud, prevent unauthorized activity, protect legal rights, enforce Site terms, or protect the security of individuals, transactions, or systems.
When you formally apply for a mortgage loan, you will receive the applicable GLBA privacy notice from Innovative Mortgage Services, Inc. That notice describes the company’s information-sharing practices and any applicable privacy or opt-out rights associated with your application.
The Site uses HTTPS encryption to help protect information transmitted between your browser and the Site.
Mortgage application information and financial documents are handled through secure systems designated for mortgage origination and document processing. Access to nonpublic personal information is limited to authorized individuals who need the information to perform their responsibilities.
Innovative Mortgage Services, Inc. maintains administrative, technical, and physical safeguards appropriate to the sensitivity of the information handled.
However, no website, electronic transmission, email system, or storage platform can be guaranteed to be completely secure. You should not send confidential financial information or documents through ordinary email or general Site forms.
When you submit a general inquiry, you authorize us to respond using the contact information you provide. This may include direct communications regarding your inquiry or requested mortgage information.
Consent to receive promotional or marketing communications must be requested separately and must be voluntary.
If you affirmatively select an optional marketing-consent checkbox, you may authorize Kelly Figueiredo and Innovative Mortgage Services, Inc. to contact you regarding mortgage products or services by telephone, email, or text message, including through automated technology or prerecorded messages when expressly stated in the consent disclosure.
Marketing consent is not a condition of obtaining information, submitting an inquiry, applying for a mortgage, or purchasing any product or service.
You may withdraw marketing consent at any time by:
Standard message and data rates may apply. Message frequency may vary.
Transaction-related communications concerning an active inquiry, application, or mortgage transaction may continue as permitted by law even after you opt out of promotional marketing.
The Site may use cookies and similar technologies for:
The Site may use services such as Google Analytics, Google Tag Manager, or Google reCAPTCHA when enabled. These providers may collect technical information in accordance with their respective privacy policies and terms.
You may control or delete cookies through your browser settings. Disabling cookies may affect the operation of certain Site features, including forms, security tools, or embedded services.
We retain information for as long as reasonably necessary to:
Mortgage application and transaction records are retained according to the policies of Innovative Mortgage Services, Inc. and applicable federal and state requirements.
Depending on your state of residence and the applicability of state privacy laws, you may have certain rights concerning your personal information, which may include the right to request access, correction, or deletion of certain information.
Financial information collected in connection with a mortgage application or transaction may be governed by the GLBA and may be exempt from some state consumer-privacy-law provisions.
We do not sell personal information or share personal information for cross-context behavioral advertising.
To submit an applicable privacy request, contact us using the information below. We may need to verify your identity before processing the request.
Mortgage services advertised through loansbykelly.net under the Loans by Kelly name are intended only for Florida residents or persons seeking mortgage financing for properties located in Florida.
Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962, originates mortgage loans through Innovative Mortgage Services, Inc., NMLS #250769.
Innovative Mortgage Services, Inc. is a Florida-licensed lender. Florida Mortgage Lender License MLD178.
Complaints or inquiries concerning mortgage loan originators or mortgage lenders in Florida may be directed to:
The Site is not directed to children under the age of 13, and we do not knowingly collect personal information directly from children under 13.
If we learn that information from a child under 13 was submitted through the Site, we will take reasonable steps to delete it.
We may revise this Privacy Policy from time to time to reflect changes to the Site, our information practices, services, or applicable legal requirements.
The effective date displayed at the top of this Policy identifies the most recent revision. Material changes will be published on this page.
