This privacy policy (“Privacy Policy”) generally describes the information that Mi Casa Credito BDA. (“we” or “us” or “Mi Casa Credito”) collects when you use or access its website and any of its platforms, products, or services (collectively, the “Services”). It also explains how we use and share the information and what steps we take to protect it.

By visiting and using the Mi Casa Credito website or utilizing its Services, you agree that we may collect and use your personal information as described in this Privacy Policy. Please read this Privacy Policy in its entirety. We reserve the right to modify, alter, or update this Privacy Policy at any time to address changes in legal obligations, technologies, business practices, and the needs of our users, and we recommend that you check it periodically to stay informed about the most current policies and practices that Mi Casa Credito has implemented to protect your personally identifiable information.

Please also review the Terms and Conditions (contained herein) that govern the use of our Services.

Mi Casa Credito complies with all applicable federal and state privacy laws and regulations.

Information We Collect The type of information we collect from you depends on the product or service you have with us. This information may include:

Your name, contact information, personal/business address, driver’s license number, and social security number;

Your date of birth, gender, and marital status;

Your login information when you sign in to our platform.

Information about business ownership, including profit participation and ownership interests;

Your financial information, including but not limited to your net worth, bank statements, and tax returns.

If you use our platform, we may also collect information about the browser you are using. This information may include:

Your IP address or other device-identifying information, browser type, browser language, date and time of your request;

One or more cookies that may uniquely identify your device; and

Information obtained through the use of cookies, flash cookies, web beacons, embedded scripts, or other similar tracking technologies.

We may supplement this information with third-party data. This information may include:

Information from other sources, such as financial records, employment history, background checks (including but not limited to criminal records), medical records, or other third-party data; and

Information from other reporting agencies, state and federal government agencies, such as state motor vehicle departments and credit reporting agencies (including reports, history, and credit scores).

We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms and Conditions (contained herein).

How Do We Use the Information We Collect? We use the information we collect to provide, maintain, protect, optimize, and improve our Services and to enhance your user experience. We may also use the information we collect in the following ways:

Routine Business Purposes

We use the information you provide to update your account(s), process or perform transactions requested or authorized by the Service, respond to your inquiries and requests, send you notifications, send you administrative information such as changes to our terms, conditions, and policies, and verify your identity.

For Our Own Analytical Purposes

Mi Casa Credito may also use your information to develop new Services, conduct research, and create anonymous or aggregated reports for its own use.

For Our Own Marketing Purposes

Mi Casa Credito may use your information to offer you our Services.

To Comply with Legal Requirements

It may be necessary to provide information collected about you to respond to subpoenas, other discovery requests, legal investigations, court orders, or to comply with the law in other ways. We may share information pursuant to a request from a government agency or investigative body. Mi Casa Credito may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.

Other Commercial or Business Purposes

We may use your information for other commercial or business purposes as permitted by law, including but not limited to purposes such as:

Data analysis

Operating and expanding our business activities

Security and fraud detection, including detecting security incidents and protecting against malicious, deceptive, fraudulent, or illegal activities

Debugging, including identifying and correcting errors in our system and services

Audits, including reviewing current interactions with you and related transactions

As part of a merger/acquisition/bankruptcy or other transaction.

How Is Your Information Shared? Mi Casa Credito does not share, sell, rent, or otherwise distribute your personal information except:

With Our Service Providers

We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Site, sending email messages, making phone calls, and processing background and credit verification requests. These parties are contractually or otherwise restricted from using personal information for purposes other than performing services for Mi Casa Credito.

For Administrative and Legal Reasons

Refer to Section 2 above. Additionally, Mi Casa Credito reserves the right to disclose or use information if it believes in good faith that such action is necessary to: (a) protect and defend the rights, property, or liability of Mi Casa Credito, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of actual or suspected illegal activity; (e) detect, address, or prevent fraud, technical, or security issues; or (f) respond to an audit.

With Business Partners

We may disclose personal information and other confidential information as necessary in connection with providing our loan products/related products. To provide services for our loan products, we may disclose your information to loan buyers, financing providers, insurers, reinsurers, insurance intermediaries, brokers, lenders, insurers, insurance reference bureaus, fraud detection agencies, and our other advisors, attorneys, accountants, and other third parties involved in the service delivery processes.

With Your Consent

We may disclose personal information and other confidential information after receiving your consent for such disclosure. Such consent may be given in writing, electronically, or verbally, subject to Mi Casa Credito’s ability to reasonably validate your identity and determine the authenticity of such a request.

For Joint Marketing Purposes

We may share or disclose your information to third parties with whom we have a contractual relationship for joint marketing purposes. These third parties are contractually restricted from using personal information for purposes other than the joint marketing agreement that is the subject of the contractual relationship. Additionally, we do not share or disclose your information with third parties for their own direct marketing purposes outside of a joint marketing agreement with us.

How Can You Limit Sharing Your Data? You can opt-out of receiving marketing emails by following the opt-out instructions in any marketing email or text message you receive.

If you do not want our website to use cookies or similar tracking tools, you can configure your browser to block them. Please understand that blocking cookies may reduce the features and services available to you on our website.

For more information on how to reject or delete cookies, you should consult your browser or device help documentation or visit www.aboutcookies.org. At this time, Mi Casa Credito does not (a) respond to automated signals related to tracking mechanisms, including “do not track” instructions from your browser, nor (b) allow third parties to install software to track user identities on its website.

To limit the use and disclosure of your personal information, please submit a request to ayudame@micasacredito.com.

What Measures Does Mi Casa Credito Take to Protect Your Information? Secure Internet Connectivity. Mi Casa Credito protects your personal/private information by using encryption technology. We use industry-standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage systems can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.

Information Security. Personal information and specific user settings and preferences are stored using commercially standard website and database security software. User passwords and other confidential user information are stored in encrypted form to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction.

Evaluation of Information Protection Practices. Periodically, our business operations and practices are reviewed to verify compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information.

Employee Access, Training, and Expectations. Our employees are required to protect third-party confidential information in general as a condition of employment with Mi Casa Credito, and our business practices limit the use and disclosure of such information, including personal information, to people, processes, and transactions.

Additional Concerns Updating and Correcting Your Information

Keeping your information accurate and up to date is very important because inaccurate or incomplete information could affect our ability to provide you with Services. Please inform us of any changes that may be necessary to your personal information by emailing us at ayudame@micasacredito.com.

Continued Use of Information

Even if you are no longer our customer or client, we may continue sharing your information as described in this Privacy Policy.

External Links and Third-Party Privacy Policies

Mi Casa Credito may post links to third-party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third-party sites and are not responsible for the privacy practices of any third party. We encourage you to read the privacy policies and terms of use of third-party websites you visit.

International Users

The Services are operated in the United States and are intended for users located in the United States. If you access this Site from a location outside the United States, your information may be transferred to the United States, and you consent to such transfer. Additionally, you acknowledge that the United States may not provide the same level of protection as the laws of your country.

Children

The Services are not intended for individuals under 18 years of age. We do not knowingly collect, use, or disclose