Privacy Policy
Effective Date: April 26, 2026 | Last Updated: April 26, 2026
This Privacy Policy describes how Royal Mortgage Company, Inc. ("Royal Mortgage Company," "we," "us," or "our"), doing business as The Mortgage Company, collects, uses, and protects your personal information when you visit themortgagecompany.com (the "Website") or use our mortgage brokerage services. Royal Mortgage Company, Inc. is a California-licensed mortgage broker, NMLS ID 2428395, located at 3505 E Chapman Ave, Suite C, Orange, CA 92869.
1. Information We Collect
Information You Provide Directly
When you submit a contact form, request a rate quote, or apply for a loan, we may collect:
- Name, address, phone number, and email address
- Date of birth and Social Security number (only during loan application)
- Employment and income information
- Property address and loan purpose
- Financial information including assets, debts, and credit history
- Any other information you voluntarily provide
Information Collected Automatically
When you visit our Website, we may automatically collect:
- IP address, browser type, and device identifiers
- Pages visited, time spent on pages, and referring URLs
- Cookies and similar tracking technologies
2. How We Use Your Information
We use the information we collect to:
- Process your loan application and provide mortgage brokerage services
- Communicate with you about your loan inquiry, application status, or document requests
- Verify your identity and prevent fraud
- Comply with applicable laws and regulations including federal mortgage lending laws and California state requirements
- Improve our Website and services
- Send you marketing communications (only with your consent and only when not restricted)
3. SMS / Text Message Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of personal information described in this Privacy Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
When you provide your phone number and consent to receive SMS messages, we will send transactional messages related to your loan inquiry, application status, document requests, appointment confirmations, and rate updates. For full details on our SMS program, see our SMS Terms.
4. How We Share Your Information
We may share your personal information with:
- Wholesale lenders and lending partners for the purpose of processing your loan application and obtaining loan offers
- Service providers who help us operate our business (credit reporting agencies, document signing platforms, CRM providers)
- Government agencies and regulators as required by law (including the California Department of Real Estate and federal regulators)
- Legal authorities when required by subpoena, court order, or other legal process
We do not sell your personal information. We do not share your mobile phone number, SMS opt-in data, or text-messaging consent with any third party for marketing or promotional purposes.
5. Data Security
We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These include encryption of data in transit and at rest, access controls, and employee training. However, no method of transmission over the Internet is 100% secure.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with our legal obligations. Federal regulations require us to retain mortgage loan records for at least 7 years.
7. Your Privacy Rights
California Residents (CCPA / CPRA)
If you are a California resident, you have the right to:
- Know what personal information we collect about you
- Request deletion of your personal information (subject to legal retention requirements)
- Correct inaccurate personal information
- Opt out of the sale or sharing of personal information (we do not sell or share for cross-context behavioral advertising)
- Non-discrimination for exercising your privacy rights
To exercise these rights, contact us at info@themortgagecompany.com.
Federal GLBA Privacy Notice
As a financial institution, we are subject to the Gramm-Leach-Bliley Act ("GLBA"). You have the right to opt out of certain information sharing with non-affiliated third parties. To opt out, contact us at the email above.
8. Cookies
Our Website uses cookies to enhance your experience and analyze site usage. You can disable cookies through your browser settings, but some features of the Website may not function properly.
9. Third-Party Links
Our Website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
10. Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will delete it promptly.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically. The "Last Updated" date at the top of this policy will reflect when changes were made. Continued use of the Website after changes constitutes acceptance of the revised policy.
12. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us at:
Royal Mortgage Company, Inc.
DBA The Mortgage Company
3505 E Chapman Ave, Suite C
Orange, CA 92869
Phone: (888) 452-9001
Email: info@themortgagecompany.com
NMLS ID: 2428395
Licensed by the California Department of Real Estate