Overview

This Privacy and Accessibility Policy ("the

Policy") outlines how Hubbub Digital LLC, including its

affiliates ("Hubbub Digital"), collects, uses, and

protects personally identifiable information provided by customers

("consumer," "customer," "you," or "your") when using this website. Hubbub Digital may

share your personal information, collected from you or other sources, to

process your loan, service your account, or offer you products or services from

our affiliates or third-party service providers.

We are committed to protecting the privacy and confidentiality of your personal information. We implement physical,electronic, and procedural safeguards that comply with federal, state, andapplicable laws to protect your personal information from unauthorized access,alteration, and destruction. It is Hubbub Digital’s policy to

restrict access to your personal information to individuals who need it to

perform their job functions.

Occasionally, we enter into agreements with other companies

to provide services to us or to offer products and services to you. These

companies may receive your personal information under these agreements, but

they are contractually required to protect the information and are prohibited

from using it for any other purpose.

Hubbub Digital Website

This website is owned, managed, and maintained by HUBBUB DIGITAL. By using this website, you are consenting to this Policy.

Scope

Who is Covered by this Privacy Policy

This Policy applies to current and former customers. If we change our privacy policies to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance.

Policy Statement

This Policy outlines the reasons we may use or share your

personal information. This policy details how you can limit HUBBUB DIGITAL from sharing your personal information.

What Personal Information We Collect and Share

The types of personal information we collect and share

depend on the product or service. This information can include but is not

limited to the following:

- Social Security number and employment information;

- Account balances, transaction history, and credit

information;

- Assets and investment experience;

- Name, date of birth, email address, postal address, phone

number, mobile number;

- Debit or credit card details;

- Information about your device (such as the IP address,

which is a numerical code to identify your device that can provide information

about the country, region, or city where you are based); and

- User information relating to your circumstances and how

you use our sites, apps, and services.

How We Gather Your Personal Information

As part of providing you with financial products or

services, we may obtain information about you from the following sources:

- Applications, forms, and other information that you

provide us (such as name, address, Social Security and account numbers, and

income and employment history);

- Transactions with us, our affiliates, or others (such as

loan balance, payment history, and other account information);

- Federal and state taxing authorities;

- Federal, state, or local government agencies;

- Other financial institutions with which you do business;

- Mortgage settlement service providers like consumer

reporting agencies (such as account information and information about your

creditworthiness); or

- Website page visits, web browsers, and blog post comments

(such as non-personal information which includes the date, time, location, and

cookies).

Loan data information, including personal information, is

collected and stored in the Loan Origination System (LOS). Our LOS maintains

detailed logs when records are created and edited. The data and the logs,

including personal information, are maintained and managed in our LOS for

extended periods, subject to federal, state, and applicable laws.

Our LOS is a cloud-based, hosted system, and is recognized

as one of the most important and widely used systems for mortgage lending. HUBBUB DIGITAL follows the technology capabilities provided by our

LOS to extract and delete information from the loan files.

Information Collected When Using This Website

We do not access information about your identity while you

are using our website. Your information is used after an application is

completed or once you submit a contact form. Before completing an application

or contact form, your personal information will remain anonymous to us. We only

collect the date, time, location, and activity on the website.

Cookies

Cookies are tiny files placed on your computer via your

browser, allowing websites to recognize your browser and remember info. They

help with site navigation, saving preferences, tracking ads, and collecting

data to enhance user experience. We may use third-party services for insights,

but they can't use this data for their own purposes. Disabling cookies may

affect website functionality. Learn more at http://www.aboutcookies.org.

Call Monitoring and Recording

If you communicate with us by telephone, we may monitor or

record the call.

Why We Use Your Personal Data

We use your personal information collected through our

websites or applications for several purposes, including the following:

- Business purposes — such as to process your loan

transactions, maintain your account(s), respond to court orders and legal

investigations, or report to credit bureaus; or

- Marketing purposes — with service providers we use to

offer our products and our services to you (please see below to limit how we

contact you); or

- Use by Third-Party Service Providers – We may share your

information with a third-party service provider which may offer their products

or services to you directly.

What Information We Share

We may disclose collected information we have about you as

permitted by law. We may provide information about you to third parties without

your consent, as permitted by law, such as:

- To regulatory authorities and law enforcement officials;

- To protect against or prevent actual or potential fraud,

unauthorized transactions, claims, or other liability;

- To consumer reporting agencies;

- To respond to a subpoena or court order, judicial process,

or legal investigations; or

- In connection with a proposed or actual sale, merger, or

transfer of all or a portion of a business or an operating unit, etc.

In addition, we may provide information about you to our

service providers to help us process your application, service your accounts,

or to offer services. Our service providers, which may include billing service

providers, mail and telephone service companies, lenders, investors, title and

escrow companies, home-owner insurance companies, appraisal companies, or other

services needed to originate or service a loan.

Third-Party Services and Agreements

We may disclose information we collect to companies that

perform marketing services on our behalf or to other financial institutions

with whom we have joint marketing or purchaser or seller agreements.

How We Protect Your Personal Information and Your Privacy

We limit access to your confidential personal data to

employees and agents who require it to offer you services, support your

account, or uphold the systems it relies on. We employ legal-compliant security

protocols, like computer safeguards and the upkeep of physical and electronic

protective measures, to prevent unauthorized use.

Links to Other Sites

Our website includes links to other, non-HUBBUB DIGITAL Processing and

Marketing, websites whose privacy policies and practices may differ from those

of Hubbub Digital. If you submit personal information to any of

those sites, your information is governed by their privacy statements and we

are not responsible for how your personal information is used or stored. We

encourage you to carefully read the privacy statement of any non-HUBBUB DIGITAL Processing

and Marketing website you visit.

Public Posts

Our website offers publicly accessible blogs. You should be

aware that any information you provide as a blog post comment may be read,

collected, and used by others who access them. To request removal of your

personal information from our blog, contact us at

[email protected]

.

Contacting and Marketing

By submitting information on this site, you consent to

receive communications at the provided phone number (mobile included) or email

from Hubbub Digital, overriding any DNC registry or internal

opt-outs. Hubbub Digital or its affiliates may use automatic

dialing for calls, potentially incurring charges for the recipient.

Children’s Online Privacy Protection Act Compliance

We comply with the requirements of COPPA (Children’s Online

Privacy Protection Act). We do not collect any information from anyone under 18

years of age. Our website, products, and services are all directed to people

who are at least 18 years old or older..

Opting Out or Updating Personal Preferences

Except as otherwise provided above, you may choose to

opt-out from any or all of the ways that your personal information is shared

and how we may contact you in any of the following ways:

- Email us at

[email protected]

- Write to us via U.S. mail to the address below indicating

your contact preferences or opt-out request, including your name, address, loan

number(s), and Social Security number.

Hubbub Digital LLC

Attn: Customer Service Department

3715 W Anthem Way suite 112

Anthem, AZ 85086

Changes to Our Privacy Policy Statement

We reserve the right

to amend this privacy notice at our discretion and at any

time. When we make changes to this privacy notice, we will notify you by email

or through a notice on our website homepage.

If we change our policy, we will post those changes on this

page and/or update the last revised date on this page. We encourage you to

periodically review this page for the latest information on our privacy

practices.

Contact Information

If you have any questions or comments about this notice, our

Privacy Policy Statement, how we collect and use your personal information,

your choices and rights regarding such use, or wish to exercise your rights

under this Privacy Policy Statement or applicable law, please do not hesitate

to contact us at:

Hubbub Digital LLC

Attn: Customer Service Department

3715 W Anthem Way suite 112

Anthem, AZ 85086