Privacy Policy
Privacy Policy
Effective Date: November 5, 2026
Website: https://www.luckyhomeloans.com/
- Introduction
Welcome to Lucky Home Loans (referred to as “we,” “our,” or “us”). We value your privacy and are committed to protecting the personal information of visitors, prospective borrowers, and customers who interact with our website.
This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit www.luckyhomeloans.com, submit an inquiry, request mortgage information, or communicate with us through our website.
By using our website, you acknowledge that you have read this Privacy Policy.
- Information We Collect
We may collect different types of information depending on how you interact with our website and services.
- Personal Information
When you complete a contact form, request information, or communicate with us, we may collect:
- Full name.
- Email address.
- Phone number.
- Mailing address.
- State of residence.
- Information about your homeownership goals.
- Mortgage or loan interests.
- Other information you voluntarily provide.
- Mortgage-Related Information
If you choose to inquire about mortgage financing or apply for a loan, additional information may be collected through appropriate application channels, including:
- Employment and income information.
- Financial and asset information.
- Credit-related information.
- Property and homeownership details.
- Loan amount and financing preferences.
- Other information necessary for mortgage evaluation and processing.
Sensitive financial information should only be submitted through designated secure channels, not ordinary website contact forms or unsecured email.
- Automatically Collected Information
When you visit our website, certain information may automatically be collected, including:
- IP address.
- Browser type and version.
- Device information.
- Operating system.
- Pages visited.
- Date and time of website visits.
- Referring website addresses.
- General website usage and interaction information.
This information helps us understand how visitors use our website and improve their experience.
- How We Use Your Information
We may use the information we collect for the following purposes:
- To respond to inquiries and requests.
- To provide information about mortgage and home loan products.
- To help prospective borrowers explore financing opportunities.
- To communicate about mortgage services and applications.
- To provide customer support.
- To improve our website, services, and user experience.
- To personalize relevant website communications.
- To send updates, announcements, and marketing communications where permitted by law.
- To prevent fraud, unauthorized access, and security threats.
- To comply with applicable legal, regulatory, and business requirements.
We only use personal information for legitimate business purposes and as permitted by applicable law.
- Cookies and Tracking Technologies
Our website may use cookies, pixels, analytics tools, and similar technologies to improve website functionality and understand visitor behavior.
These technologies may help us:
- Remember website preferences.
- Understand website traffic and visitor activity.
- Improve website performance.
- Measure marketing campaign effectiveness.
- Provide relevant advertising where permitted.
You can manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect some website features.
Where required by applicable law, we will provide appropriate consent mechanisms for non-essential cookies and tracking technologies.
- How We Share Your Information
We respect your privacy and do not sell your personal information for monetary consideration.
However, we may share information in certain circumstances, including:
- Service Providers
We may share information with trusted third-party service providers who assist with:
- Website hosting and maintenance.
- Customer relationship management.
- Website analytics.
- Marketing and communications.
- Technology and security services.
- Mortgage application processing and related services.
These providers may access information only as necessary to perform services on our behalf and subject to appropriate contractual and legal protections.
- Mortgage and Financial Partners
If you request mortgage assistance or proceed with a loan application, relevant information may be shared with mortgage lenders, investors, loan processors, credit reporting agencies, and other authorized parties involved in evaluating or processing your application.
Information sharing will be handled in accordance with applicable privacy and financial regulations.
- Legal and Regulatory Requirements
We may disclose information when required to:
- Comply with applicable laws and regulations.
- Respond to lawful requests from government authorities.
- Protect our legal rights and property.
- Investigate suspected fraud or unauthorized activity.
- Protect the safety and security of individuals.
- Business Transactions
In the event of a merger, acquisition, restructuring, or sale of business assets, personal information may be transferred as part of the transaction, subject to applicable legal requirements.
- Protection of Your Information
We take reasonable administrative, technical, and physical measures designed to protect personal information against unauthorized access, disclosure, alteration, and destruction.
These safeguards may include:
- Secure website connections.
- Access controls.
- Data protection procedures.
- Appropriate security measures for electronic information.
- Third-party service provider security requirements.
However, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security.
- Third-Party Websites and Services
Our website may contain links to third-party websites, mortgage resources, financial service providers, or other external platforms.
These websites operate independently and may have their own privacy policies and practices.
We are not responsible for the privacy practices, content, or security of third-party websites.
We encourage visitors to review the privacy policies of any external websites they access.
- Your Privacy Rights and Choices
Depending on your state of residence and applicable privacy laws, you may have certain rights regarding your personal information.
These rights may include:
- Requesting access to personal information we maintain about you.
- Requesting correction of inaccurate information.
- Requesting deletion of certain personal information.
- Requesting information about how your data is collected and shared.
- Opting out of certain targeted advertising or data-sharing activities where applicable.
- Withdrawing consent where processing is based on consent.
- Requesting a copy of certain personal information in a portable format.
To exercise applicable privacy rights, please contact us using the information provided at the end of this policy.
We may need to verify your identity before processing certain requests. Some information may be retained when required or permitted by law, including financial and mortgage-related recordkeeping requirements.
- Email and Text Message Communications
If you provide your contact information, we may communicate with you regarding your inquiries, requested mortgage information, services, and other relevant business matters.
Where permitted by law, we may also send promotional or marketing communications.
You can opt out of promotional emails by using the unsubscribe link included in the message.
For marketing text messages, you may opt out by replying STOP, where applicable.
Message and data rates may apply. Message frequency may vary.
Opting out of marketing communications does not necessarily stop important service-related, transactional, or legally required communications.
We will obtain consent for calls and text messages when required by applicable law.
- Children’s Privacy
Our website and mortgage services are intended for adults and individuals legally eligible to participate in mortgage-related transactions.
We do not knowingly collect personal information from children under the age of 13 through our website.
If we become aware that personal information from a child has been collected without appropriate authorization, we will take reasonable steps to delete that information as required by applicable law.
- Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
Retention periods may depend on:
- The nature of the information collected.
- The purpose for which the information was collected.
- Whether you have an active mortgage inquiry or application.
- Applicable financial, mortgage, and regulatory recordkeeping requirements.
- Legal obligations and dispute resolution needs.
- State-Specific Privacy Rights
Residents of certain US states, including California, Virginia, Colorado, Connecticut, Texas, and other states with applicable privacy legislation, may have additional rights concerning their personal information.
Depending on applicable law, these rights may include access, correction, deletion, portability, and the ability to opt out of certain processing activities.
California residents may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA).
We will honor applicable privacy rights and provide legally required disclosures and request procedures.
- Financial Privacy and Mortgage Information
Because mortgage-related services may involve sensitive personal and financial information, we take privacy obligations seriously.
Certain information collected in connection with mortgage and financial services may be subject to the Gramm-Leach-Bliley Act (GLBA), applicable implementing regulations, and other federal and state privacy requirements.
Where applicable, customers may receive a separate financial privacy notice explaining how their nonpublic personal information is collected, used, and shared.
This website Privacy Policy does not replace any separate privacy notices or disclosures required by applicable financial privacy laws.
- Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy from time to time to reflect changes in our business practices, website functionality, legal requirements, or privacy standards.
Any updates will be published on this page with a revised effective date.
We encourage visitors to review this page periodically to stay informed about how their information is protected.
- Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us:
Lucky Home Loans
Website: https://www.luckyhomeloans.com/
Loan Officer: Lucky Buxton
Phone: 713-679-1123
Email: Lucky.Buxton@Home.com
We will make reasonable efforts to respond to privacy-related inquiries in accordance with applicable laws and regulations.
Your Privacy Matters to Us
At Lucky Home Loans, we believe that trust and transparency are essential to building lasting relationships with our customers. We are committed to treating your personal information responsibly and helping you navigate your home financing journey with confidence.