Privacy Policy

Layton Financial Services Corp, doing business as Layton Mortgage and Reverse Mortgage Authority (“Layton Mortgage,” “we,” “us,” or “our”), respects your privacy. This Privacy Policy explains what information we collect, how we use and protect it, and the choices available to you when you visit lm-revshare.com, submit a form, communicate with us, or use our services.

1. INFORMATION WE COLLECT

We may collect personal information that you voluntarily provide, including:

• Full name
• Email address
• Telephone number
• State of residence
• NMLS license number and states in which you are licensed
• Current employer and professional information
• Monthly loan volume and related business information
• Referral information
• Account registration and login information
• Information included in messages, forms, applications, or other communications you send to us

We may also automatically collect certain technical information when you visit our website, including your IP address, browser type, device type, operating system, pages visited, referring website, approximate location, and the date and time of your visit.

2. HOW WE USE YOUR INFORMATION

We may use the information we collect to:

• Process registrations, applications, and requests
• Provide information about our mortgage, recruiting, and related services
• Communicate with you regarding your account, application, appointments, reminders, and service notifications
• Send promotional or marketing communications when you have provided the appropriate consent
• Respond to questions and provide customer support
• Personalize and improve our website and services
• Maintain the security and proper operation of our systems
• Comply with legal, regulatory, and recordkeeping requirements
• Prevent fraud, misuse, and unauthorized activity

3. SMS AND TEXT MESSAGE COMMUNICATIONS

If you separately select the applicable SMS consent checkbox, Layton Mortgage may send text messages to the mobile number you provide.

Transactional messages may include application or account updates, appointment reminders, service notifications, and other messages related to your request or relationship with us.

Marketing messages may include information about mortgage services, special offers, business opportunities, recruiting opportunities, and promotions.

Message frequency may vary. Message and data rates may apply. Reply HELP for assistance or STOP to opt out at any time. Consent to receive text messages is not a condition of purchase, registration, or receiving services.

Transactional and marketing SMS consent options are presented separately. Selecting one type of consent does not automatically provide consent for the other.

4. SMS OPT-IN DATA AND INFORMATION SHARING

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with subcontractors and service providers that help us provide support services, such as customer service, communications, website hosting, data processing, or text-message delivery. These parties may use the information only as necessary to provide services on our behalf.

All other use-case categories exclude text-messaging originator opt-in data and consent. SMS opt-in data and consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

5. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar technologies to operate our website, remember user preferences, understand how visitors use the site, improve functionality, measure website performance, and support security.

Some cookies are necessary for the website to function. Other non-essential cookies may be used for analytics, performance, or advertising purposes when permitted. You may manage or reject non-essential cookies through the cookie banner displayed on our website or through your browser settings. Disabling cookies may affect the availability or functionality of certain website features.

6. HOW WE SHARE INFORMATION

We may disclose personal information to:

• Service providers that support our website, communications, customer service, data storage, analytics, and business operations
• Professional advisers, auditors, regulators, government agencies, or law-enforcement authorities when required by law
• A successor organization in connection with a merger, acquisition, financing, sale, or transfer of all or part of our business
• Other parties when you direct us to share the information or provide your consent

We do not sell or share SMS opt-in data or consent information with third parties or affiliates for marketing or promotional purposes.

7. DATA SECURITY

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. These measures may include access controls, secure systems, employee or contractor access limitations, and safeguards used by our technology service providers.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. You should use caution when sending sensitive information electronically.

8. DATA RETENTION

We retain personal information for as long as reasonably necessary to provide our services, maintain business and legal records, resolve disputes, enforce agreements, and satisfy applicable legal or regulatory requirements. Information that is no longer required may be deleted, anonymized, or securely disposed of.

9. YOUR PRIVACY RIGHTS AND CHOICES

Depending on your location and applicable law, you may have the right to:

• Request access to the personal information we maintain about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Request information about how your data is used or disclosed
• Withdraw consent where processing is based on consent
• Opt out of marketing emails by using the unsubscribe link provided in those messages
• Opt out of text messages by replying STOP
• Manage non-essential cookies through the website cookie banner or browser settings

To submit a privacy request, contact us at [email protected]. We may need to verify your identity before completing a request. Certain information may be retained when required by law or for legitimate business and regulatory purposes.

10. THIRD-PARTY LINKS

Our website may contain links to third-party websites or services. We are not responsible for the privacy, security, or content practices of those third parties. We encourage you to review their privacy policies before submitting personal information.

11. CHILDREN’S PRIVACY

Our website and services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that such information has been collected, we will take reasonable steps to delete it.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes to our practices, services, or legal obligations. Updates will be posted on this page with a revised “Last Updated” date.

13. CONTACT US

For questions about this Privacy Policy or to submit a privacy-related request, contact:

DBA Layton Mortgage
DBA Reverse Mortgage Authority
NMLS #1922806
Email: [email protected]
Phone: (818) 274-9969