Privacy Policy
Effective Date: August 31, 2026
Last Updated: August 31, 2026
Brown – A Legacy of Home Lending (“Brown,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.
This Privacy Policy explains how we may collect, use, disclose, and protect information when you visit our website, contact us, submit an inquiry, communicate with our team, or otherwise interact with our online services.
By using this website, you acknowledge the practices described in this Privacy Policy.
1. Information We May Collect
The information we collect depends on how you interact with our website and services.
Information You Provide to Us
When you submit a contact form, request information, schedule an appointment, communicate with our team, or otherwise voluntarily provide information, we may collect information such as:
First and last name
Email address
Telephone or mobile number
Preferred method of contact
General location
Information about the type of mortgage or lending service you are interested in
Home purchase or refinancing interests
Information contained in messages or questions you submit
Communication preferences
Other information you voluntarily provide
If you proceed with a mortgage application or other lending transaction, additional financial and personal information may be required and will generally be collected through appropriate lending systems, applications, or secure methods.
Information Collected Automatically
When you visit our website, certain information may be collected automatically through cookies and similar technologies, including:
IP address
Browser type
Device type
Operating system
Approximate geographic location derived from an IP address
Referring website or traffic source
Pages viewed
Links or buttons clicked
Date and time of visits
Website session information
General interaction with website features
Advertising or campaign attribution information
For additional information, please review our Cookie Policy.
2. Sensitive Mortgage and Financial Information
A mortgage transaction may require sensitive personal and financial information, including information concerning income, assets, employment, credit history, debts, property, tax information, government identification, and other information necessary to evaluate a mortgage application.
Please do not submit Social Security numbers, bank account information, passwords, tax documents, credit reports, or other highly sensitive financial information through a general website contact form, ordinary email, or standard SMS text message unless specifically instructed to do so through an appropriate secure method.
When sensitive information is required as part of the mortgage process, you may be directed to an appropriate application, portal, document system, or other method for providing that information.
3. How We May Use Information
We may use personal information for legitimate business and mortgage-related purposes, including to:
Respond to inquiries
Provide requested mortgage or lending information
Communicate with prospective and existing clients
Schedule appointments
Process or assist with mortgage-related requests
Provide customer service
Follow up regarding products or services you requested
Maintain business and communication records
Operate, maintain, and improve our website
Understand how visitors interact with our website
Measure marketing and advertising effectiveness
Protect our website and systems from fraud, misuse, or security threats
Comply with legal, regulatory, licensing, recordkeeping, and reporting requirements
Enforce our agreements and policies
Exercise or defend legal rights
Where appropriate and permitted by law, we may also use information to provide educational information or communicate with you about mortgage-related products or services.
4. Mortgage Applications and Credit Decisions
Information collected through general website analytics, advertising cookies, or ordinary browsing activity is not used by Brown – A Legacy of Home Lending to make a mortgage credit decision.
Mortgage eligibility and credit decisions are based upon information obtained and evaluated through the applicable mortgage application, underwriting, verification, and approval processes.
Visiting our website or submitting a general inquiry does not constitute an application for credit, loan approval, prequalification, preapproval, or commitment to lend.
5. SMS Text Messaging
If you provide your mobile telephone number and affirmatively consent to receive SMS or MMS communications, we may use that number to communicate with you as described in our SMS Text Messaging Terms & Conditions.
Depending on your consent and relationship with us, messages may include responses to inquiries, appointment reminders, mortgage-related updates, document reminders, customer service communications, and other communications you have requested or authorized.
Mobile information, including mobile telephone numbers and SMS consent records, will not be sold or shared with third parties for their own independent marketing or promotional purposes.
Information may be provided to service providers that assist us in delivering messages or operating our communications systems, subject to appropriate restrictions.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out of applicable text messages and HELP for assistance.
Consent to receive marketing text messages is not a condition of obtaining mortgage services.
6. Email and Telephone Communications
If you provide your email address or telephone number, we may use that information to respond to your inquiry and communicate with you regarding products, services, appointments, applications, or other matters relevant to your relationship with us.
You may request that certain communications stop by following applicable unsubscribe or opt-out instructions or by contacting us.
Certain transactional, servicing, legal, or administrative communications may still be sent when necessary or permitted by law.
7. Cookies and Similar Technologies
Our website may use cookies, pixels, tags, scripts, and similar technologies to operate website features, understand website usage, improve performance, remember preferences, and measure marketing effectiveness.
Depending upon your preferences and applicable requirements, these technologies may be used for:
Essential website functionality
Website analytics
Performance measurement
Advertising attribution
Marketing measurement
Website personalization
For additional details and information about managing these technologies, please review our Cookie Policy.
8. How We May Disclose Information
We do not disclose personal information indiscriminately.
We may disclose information when reasonably necessary to operate our business, provide requested services, conduct a mortgage transaction, or comply with applicable requirements.
Recipients may include:
Mortgage-related service providers and business partners involved in a requested transaction
Technology and website service providers
Customer relationship management and communication providers
Analytics providers
Hosting and cybersecurity providers
Professional advisers, including attorneys and accountants
Government agencies, regulators, courts, or law enforcement when required or permitted by law
Other parties when necessary to protect our rights, property, customers, or business
Information provided in connection with an actual mortgage application or financial relationship may also be subject to additional federal and state financial privacy requirements and notices.
9. Sale and Sharing of Personal Information
Brown – A Legacy of Home Lending does not sell consumers' sensitive mortgage application information for unrelated commercial purposes.
We also do not sell mobile telephone numbers or SMS consent information or provide that information to third parties for their independent marketing purposes.
Some website analytics or advertising technologies may be treated as “sharing,” “targeted advertising,” or similar activity under certain state privacy laws. Where applicable, we provide privacy choices or opt-out mechanisms as required by law.
10. Service Providers
We may use third-party service providers to support our website and business operations, including providers of:
Website hosting
Customer relationship management systems
Mortgage technology
Secure document services
Email and text communications
Telephone and call-tracking systems
Analytics
Scheduling
Cybersecurity
Advertising and marketing measurement
Data storage and backup
These providers may process information as necessary to perform services for us and are subject to applicable contractual, legal, or privacy obligations.
11. Third-Party Websites
Our website may contain links to websites or services operated by third parties.
Brown – A Legacy of Home Lending is not responsible for the privacy, security, accessibility, or content practices of third-party websites.
When you leave our website, we encourage you to review the privacy policies of the website or service you visit.
12. Data Security
We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, electronic communication, or information system can be guaranteed to be completely secure.
For this reason, you should avoid transmitting highly sensitive financial information through ordinary email, SMS, or general website forms unless specifically directed to an appropriate secure method.
13. Data Retention
We may retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, maintain business records, provide requested services, resolve disputes, enforce agreements, and satisfy applicable legal, regulatory, mortgage-industry, and recordkeeping requirements.
Retention periods may vary depending on the type of information and the nature of your relationship with us.
14. Your Privacy Choices
Depending upon where you reside and applicable law, you may have certain rights concerning your personal information.
These may include the right to request access to, correction of, or deletion of certain personal information, as well as rights relating to certain uses or disclosures of personal information.
These rights are not absolute and may be subject to exceptions, including information that we are required or permitted to maintain under federal or state mortgage lending, financial, regulatory, fraud-prevention, or recordkeeping requirements.
To submit a privacy-related request, contact us using the information below.
We may need to verify your identity before processing certain requests.
15. Children's Privacy
Our website and mortgage lending services are intended for adults and are not directed toward children under the age of 13.
We do not knowingly seek to collect personal information online from children under 13.
If we learn that information from a child under 13 has been collected through our website without appropriate authorization, we will take reasonable steps to address the information as required by applicable law.
16. Equal Housing and Fair Lending
Brown – A Legacy of Home Lending is committed to fair and responsible lending and to providing qualified applicants equal access to mortgage lending opportunities without discrimination as prohibited by applicable law.
Please review our Equal Housing Opportunity information for additional details.
17. Accessibility
We are committed to providing an accessible online experience.
If you experience difficulty accessing this Privacy Policy or another part of our website, please contact us so that we can make reasonable efforts to provide the information through an alternative method.
Please review our Accessibility Statement for additional information.
18. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our website, technology, services, business practices, privacy practices, or applicable legal and regulatory requirements.
When changes are made, the “Last Updated” date at the top of this page will be revised.
We encourage visitors to periodically review this Privacy Policy.
19. Contact Us
If you have questions regarding this Privacy Policy, our privacy practices, or personal information associated with your interaction with our website, please contact:
Brown – A Legacy of Home Lending
Edwardsville Office
231 N Main St
Edwardsville, Illinois 62025
Call/Text: (618) 323-3508
Email: [email protected]