This policy explains what information NoDocNation collects through this website, how it is used, and the choices and rights you have. NoDocNation is a website operated by Ivan Grigorian (NMLS #1493724), a loan officer with UTM Financial, LLC (NMLS #2591548).
Information We Collect
Information you give us
When you fill out a form, call, text, or email, we may collect your name, phone number, email address, property details, estimated credit score range, loan goals, and anything else you choose to share. We don't ask for your Social Security number, bank account numbers, or other sensitive financial details through this website.
Information collected automatically
Like most websites, we and our service providers may collect basic technical information when you visit, such as your browser type, device, IP address, pages viewed, the page that referred you, and campaign details in the link you used (for example, UTM parameters). We use cookies and similar technologies for site analytics, including Google Analytics, which helps us understand how visitors use the site. You can opt out of Google Analytics with the Google Analytics opt-out browser add-on.
Approximate location
When you use a calculator or form, our website host determines your approximate U.S. state from your IP address so we can pre-fill the property state and a typical property tax estimate. We use only the state, you can change it, and we don't store it on our servers.
How We Use Your Information
- To respond to your inquiry and discuss loan options with you
- To evaluate your scenario and, if you choose to apply, to start a loan application
- To contact you by phone, text, or email about your inquiry, as you've consented to
- To understand how the website is used and improve it
- To comply with legal, regulatory, and licensing obligations
How We Share Information
We don't sell your personal information, and we don't share it for cross-context behavioral advertising. We share information only as needed to serve you, including with:
- UTM Financial, LLC, the licensed company through which loans are originated
- Service providers that help us run the website and handle inquiries, such as our form processor (Formspree), website host (Netlify), customer relationship management software, and analytics providers, who may only use the information to provide services to us
- Lenders, investors, and settlement service providers if you decide to apply for a loan
- Authorities when required by law, regulation, or legal process
If you apply for a loan, your information is also covered by the privacy notice you receive from UTM Financial, LLC under the Gramm-Leach-Bliley Act.
Texts and Calls
If you give us your phone number and consent, we may contact you by call or text about your inquiry, including by automated means. Consent is not a condition of any loan. Message and data rates may apply. Reply STOP to any text to opt out, or tell us on a call. We don't share your mobile number or text-messaging consent with third parties for their marketing purposes.
Your California Privacy Rights
If you're a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, gives you the right to:
- Know what personal information we've collected about you, where it came from, why we use it, and who we share it with
- Delete personal information we've collected from you, subject to legal exceptions
- Correct inaccurate personal information
- Opt out of the sale or sharing of personal information. We don't sell or share it as those terms are defined
- Limit the use of sensitive personal information. We don't use sensitive information beyond what the law permits
- Not be discriminated against for exercising these rights
Some information connected to a loan application is governed by federal financial privacy laws instead of the CCPA. To make a request, call (818) 650-0071. We'll need to verify your identity before acting on it, and you can use an authorized agent. We'll respond within the time the law requires.
In the past 12 months we have collected the categories of information described above (identifiers, contact information, property and financial-situation details you provide, and internet activity) for the purposes described in this policy.
Keeping Information Secure
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, so please don't send sensitive documents through the website forms. If you apply, we'll give you a secure way to share documents.
How Long We Keep Information
We keep inquiry information for as long as needed to respond to you and for recordkeeping required by law and our licensing obligations, then delete or de-identify it.
Children
This website is not intended for anyone under 18, and we don't knowingly collect information from children.
Links to Other Sites
Links to other websites, such as NMLS Consumer Access, are provided for convenience. Their privacy practices are their own.
Changes to This Policy
We may update this policy. The effective date at the top shows when it last changed.
Contact
Questions or requests: call or text (818) 650-0071, or use the contact page.