Website Privacy Policy

AZ Financial, LLC (“AZ Financial,” “we,” “us,” or “our”) respects your privacy and is committed to protecting information provided through our website.

This Website Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit AZFinancialLLC.com or interact with features available through our website.

This Website Privacy Policy applies primarily to information collected through our public website. Information provided in connection with a mortgage inquiry, application, or transaction may also be subject to additional federal and state privacy requirements and separate privacy notices provided to consumers or customers.

Depending on how you interact with our website, we may collect information that you voluntarily provide as well as certain information collected automatically.

You may provide information when you contact us, request information, begin an application, or otherwise communicate with AZ Financial. This information may include:

• Name 
• Email address 
• Telephone number 
• General information regarding your mortgage or financing needs 
• Other information you choose to provide 

Mortgage applications and certain other financial information may be collected through secure third-party systems or service providers rather than directly through the public pages of this website.

When you visit our website, certain technical information may be collected automatically by our website platform or service providers. Depending on the technologies being used, this may include:

• Internet Protocol (IP) address 
• Browser and device information 
• Operating system 
• Pages visited 
• Date and time of visits 
• Referring website or source 
• General website usage and interaction information 

This information may be used to operate, secure, maintain, and improve our website.

Our website and the service providers supporting it may use cookies or similar technologies for website functionality, security, analytics, preferences, and other operational purposes.

Cookies are small data files stored on your device or browser. Your browser may allow you to block or delete cookies. Disabling certain cookies may affect the functionality of portions of the website.

The specific cookies and technologies used may change as our website platform and services are updated.

Information collected through our website may be used to:

• Respond to inquiries and requests 
• Communicate with prospective and existing clients 
• Provide information regarding mortgage products and services 
• Facilitate mortgage inquiries and applications 
• Operate and maintain our website 
• Improve website functionality and user experience 
• Protect against fraud, misuse, security threats, or unauthorized activity 
• Comply with applicable laws, regulations, legal processes, and regulatory requirements 
• Maintain appropriate business and transaction records 
• Work with lenders and service providers in connection with requested mortgage services 

We do not use information in a manner inconsistent with applicable federal or state privacy requirements.

Mortgage applications require information substantially more sensitive than ordinary website inquiries.

When applying for mortgage financing, you may be asked to provide information such as income, employment, assets, liabilities, credit information, identification information, and other documentation necessary to evaluate or process a mortgage transaction.

Please do not send Social Security numbers, bank account numbers, tax documents, credit reports, passwords, or other highly sensitive financial information through ordinary, unencrypted email, text messages, or general website contact forms.

When sensitive documentation is required, AZ Financial may provide access to an appropriate secure application, document-upload system, encrypted communication method, or other secure process.

AZ Financial does not sell your nonpublic personal financial information to third parties for their independent use.

Information may be disclosed as reasonably necessary to provide mortgage services you request or as otherwise permitted or required by law. Depending on the transaction, recipients may include:

• Mortgage lenders and wholesale lending partners 
• Credit reporting agencies 
• Appraisal, title, escrow, insurance, verification, and settlement service providers 
• Technology, website hosting, communications, cybersecurity, document-management, and other service providers 
• Professional advisers, auditors, or legal counsel 
• Government agencies, regulators, courts, or law enforcement when required or permitted by law 

Service providers may receive information when reasonably necessary to perform services on our behalf or facilitate a transaction.

Our handling of nonpublic personal information relating to mortgage consumers and customers is also subject to applicable financial privacy laws and notices.

As a mortgage brokerage company, AZ Financial is subject to applicable financial privacy and information-security requirements.

The Gramm-Leach-Bliley Act (“GLBA”) and related regulations establish requirements concerning the privacy and safeguarding of certain nonpublic personal information obtained in connection with financial products and services.

Where required, AZ Financial provides applicable consumers and customers with separate financial privacy notices describing our collection and sharing practices and applicable privacy rights.

This Website Privacy Policy is not intended to replace any financial privacy notice that AZ Financial is required to provide under applicable law.

AZ Financial maintains administrative, technical, and physical safeguards designed to protect customer information consistent with applicable legal and regulatory requirements.

We also use service providers and technology platforms in connection with website operations, communications, mortgage origination, and document handling.

However, no website, electronic communication, network, or information system can be guaranteed to be completely secure. You should use appropriate caution when transmitting information electronically and should use secure methods provided by AZ Financial when transmitting sensitive financial information.

The FTC Safeguards Rule requires covered financial institutions, including mortgage brokers, to maintain safeguards designed to protect customer information. 

Our website may contain links to websites, portals, applications, or services operated by third parties.

For example, links may be provided to mortgage application systems, credit-related services, government resources, lenders, or other service providers.

When you leave our website or use a third-party service, that organization's privacy policy and terms may apply. AZ Financial does not control the privacy or security practices of independently operated third-party websites.

We encourage you to review the privacy policies of websites and services before providing personal information.

If you provide your telephone number or email address and request that we contact you, AZ Financial may use the information you provide to respond to your inquiry and communicate with you regarding requested mortgage products or services.

Where required by applicable law, consent requirements and opt-out rights will apply to marketing or promotional communications.

You may request that we discontinue promotional email communications by using the unsubscribe method contained in an applicable message or by contacting us.

Transactional, servicing, regulatory, or other legally required communications may not be subject to the same opt-out options.

Our website and mortgage services are intended for adults and are not directed toward children under 13.

We do not knowingly seek to collect personal information from children under 13 through our public website. If we learn that information has been collected from a child under 13 in circumstances requiring deletion, we will take appropriate steps consistent with applicable law.

We retain information for periods reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable business, legal, regulatory, recordkeeping, dispute-resolution, and compliance requirements.

Retention periods may vary depending on the type of information, nature of the transaction, and applicable legal requirements.

You may contact AZ Financial with questions regarding information you have provided through our website or to request that we review or update certain information.

Some information cannot be deleted or modified when retention is required or permitted for regulatory, legal, fraud-prevention, transaction, recordkeeping, or other legitimate purposes.

A request concerning information maintained by an independent third-party service provider may also be subject to that provider's privacy practices and applicable law.

AZ Financial maintains procedures designed to address information-security incidents in accordance with applicable requirements.

Federal regulations may require covered financial institutions to provide notifications or reports concerning certain security events. The FTC Safeguards Rule currently includes a reporting requirement for certain notification events involving at least 500 consumers. 

We may update this Website Privacy Policy periodically to reflect changes in our website, business practices, technology, service providers, or applicable requirements.

When this policy is updated, the revised version will be posted on this page with an updated “Last Updated” date.

We encourage visitors to review this policy periodically.

Questions regarding this Website Privacy Policy may be directed to:

AZ Financial, LLC
Mortgage Broker
3145 E. Chandler Blvd., Suite 110-118
Phoenix, AZ 85048

Office: (480) 787-5777
Email: info@AZFinancialLLC.com

NMLS ID: 1484811
Arizona Mortgage Broker License: MB-0935963