Privacy Policy

Overview

‍‍Panorama Mortgage Group, LLC (“we”, “us”, “PMG” or “the Company”) d/b/a Simply PMG operates www.simplypmg.com, www.pmgllc.com, goalterra.com, myhomelegacy.com, and lonepeaklending.com websites and related mobile applications and engages in the solicitation, origination, servicing, and sale of mortgage loans (hereinafter referred to as “PMG Services”).

This Privacy Policy is meant to provide you with information regarding the collection, use, and disclosure of your personally identifiable information (“Personal Information”) when you use PMG Services and the choices you have associated with your Personal Information. We use your Personal Information to provide and improve PMG Services, and we do not sell or rent your Personal Information to other companies. By using PMG Services, you agree to the collection and use of your Personal Information in accordance with this Privacy Policy. Please note that PMG does not sell or share your Personal Information to third parties. Additionally, PMG does not sell or share your Phone number(s) to third-party lead generating companies or for other third-party promotional purposes.

Please see our Privacy Notice for a full explanation of how we collect, use and share your Personal Information and what steps you can take to limit sharing of your Personal Information.

Children's Privacy

Because of the financial nature of our business, our websites are not designed for use by children under the age of 13 and those not of legal age to contract. Therefore, the company does not knowingly attempt to solicit or receive any information from children. Additionally, the company does not have services available for those younger than the legal age tocontract and as such does not knowingly attempt to solicit or receive anyinformation from those under the age of 16. Panorama Mortgage Group, LLC. doesnot sell personal information of minors. Therefore, we do not knowingly attemptto solicit or receive any information from children.

Types of Data Collected

‍While using PMG Services, we may ask you toprovide us with certain Personal Information that can be used to contact oridentify you. This Personal Information may include, but is not limitedto:

Email address;
First, middle and last name;
Phone number;
Address;
Social Security Number;
Employment information;
Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, business, and
Cookies and Usage Data

We may also collect this information from other sources. These sources may include, among others, lead providers, employers, attorneys, banks, title insurers, government entities, insurance companies, and credit reporting agencies. In addition, we collect phone contacts and images in the mobile app when you share the app.

Usage Data

‍We may collect information that your browser automatically sends whenever you visit one of our websites or when you access PMG Services by or through a mobile device (“Usage Data”). This Usage Data mayinclude information such as your computer’s Internet Protocol (“IP”) address,browser type, browser version, the pages of that you visit, the time and dateof your visit, the time spent on those pages, unique device identifiers andother diagnostic data. When you access PMG Services with a mobile device, thisUsage Data may include information such as the type of mobile device you use,your mobile device unique ID, the IP address of your mobile device, your mobileoperating system, the type of mobile Internet browser you use, unique deviceidentifiers and other diagnostic data.

Text Messaging

You may have the opportunity to receive SMS or “text”messages, pre-recorded voice messages or auto-dialed phone calls from theCompany, its affiliates and related entities as well as third parties. Such messaging may be used to authenticate your identity or mobile device, aswell as provide you informational updates about services or products you mayhave requested. In providing your mobile device number or cell phonenumber to the Company, you knowingly consent to such communications from theCompany or for the Company to use your cell phone number or mobile devicenumber in accordance with the Company’s Terms of Service. In providingyour number, you represent that you have the authority to agree to receive textmessages at the telephone number that you provide to the Company, or from whichyou sent the text message request to us. You further acknowledge that nopurchase is required to opt into this service, and you may opt out at any timeby following the instructions provided in our communications to you. Toopt-in, please click here[KA1] .

Any such communications you receive from us will beadministered in accordance with your preferences and this Policy.

Tracking Cookies

‍We may send “cookies” to your computer primarily to enhance your online experience. “Cookies” are text files sent from aserver and stored on your computer to assist in identifying you as uniquecustomer and store your personal preferences as well as technical information.Cookies can be either stored on your computer until you delete them or lastonly until you close your browser. You have the ability to accept ordecline cookies.

Use of Data

We use the collected data for the following purposes:

To provide and maintain PMG Services;
To notify you about changes to PMG Services;
Delivering marketing communications, promotional materials, or advertisements that may be of interest to you through various channels including mail, telephone, text message, messaging applications (apps), digital messaging platforms, social media websites, and email ;
To contact you if there is a problem completing a transaction you requested or to discuss your account;
To allow you to participate in interactive features of PMG Services when you choose to do so;
To provide customer support;
To enable our financial services partners to implement automatic payments and funds transfers;
To gather analysis or valuable information so that we can improve PMG Services;
To monitor the usage of PMG Services;
To detect, assess, prevent, and address technical and performance issues;
To conduct statistical analyses on visitors’ usage patterns and other aggregated data;
To deliver to you relevant advertising/promotional materials;
To provide you with news, special offers, and general information about other goods, services, and events which we offer that are similar to those that you have already purchased or enquired about (unless you have opted not to receive such information); and
For our affiliates’ everyday business purposes.

We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

To comply with applicable law and legal process;
To respond to requests from public and government authorities, including public and government authorities outside your country of residence;
To detect, prevent, or investigate potential security incidents or fraud;
To facilitate the functionality of our mobile applications and websites;
To enforce our terms and conditions;
To protect our operations or those of our affiliates;
To protect our rights, privacy, safety, or property, security, and/or that of our affiliates, you or others; and
To allow us to pursue available remedies or limit the damages that we may sustain.

PMG does not sell or share your Personal Information to third-parties for the purposes of lead generation or promotional purposes.

Disclosure of Personal Information

To the extent permitted by law, your Personal Information may be disclosed to the following categories of third parties:

Our Affiliates
Service Providers
Investors
Government Entities
Marketing Providers
In connection with the essential purposes described above (e.g. to comply with legal obligations)

Service Providers

‍We may employ third-party companies and individuals to facilitate PMG Services, provide PMG Services on our behalf, and/or perform services or assist us in analyzing how PMG Services are used(“Service Providers”). These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

How We Respond to Do Not Track Signals

Website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that allow you to choose regarding the collection of Personal Information about your online activities over time and across third party websites, to the extent the operator engages in that collection. We do not track your Personal Information over time and across third-party websites and, therefore, this requirement does not apply to us.

Security of Personal Information

‍We employ industry-recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards in compliance with Federal Law.

Changes to This Privacy Policy

‍We may make changes to our Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy to our website and updating the “last revised” date. You are advised to review this Privacy Policy periodically for any changes. Changes tothis Privacy Policy are effective when they are posted on our website.

For California Residents Only

‍For information on how PMG is complying with the California Consumer Privacy Act of 2018 (“CCPA”) and the rights it providesto California residents, please click www.simplypmg.com/legal/ccpa.

For Nevada Consumers Only

‍We are providing you this notice under state law.Pursuant to NRS Section 228.600(3) you may be placed on our internal Do NotCall List by calling 877-845-4805, visiting https://www.simplypmg.com/legal/opt-out, or writing to:

Panorama Mortgage Group, LLC

Attn: Compliance

6111 S. Buffalo Drive, Suite 240,

Las Vegas, NV 89113.

You may also obtain further information by contacting:

Bureau of Consumer Protection

Office of the Nevada AttorneyGeneral

555 E. Washington St., Suite 3900

Las Vegas, NV 89101

Phone number: 702-486-3132

E-mail: BCPINFO@ag.state.nv.us

‍For questions or concerns regarding this Privacy Policy or to update your Personal Information, you may contact us in the following ways:
To opt-out of receiving advertising or promotional communications, please visit www.simplypmg.com/legal/opt-out

Calling the Company at (877) 845-4805;
Emailing us at compliancehelp@simplypmg.com;
Writing to the Company,

Panorama Mortgage Group, LLC

Attn: Compliance Department

6111 S. Buffalo Drive, Suite 240,
Las Vegas, NV 89113

Accessibility

‍We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to accessthis Privacy Policy in an alternative format, please contact us in one of theways described above.

Opt-in form should look like this an include the data:

I agree to be contacted by Panorama Mortgage Group, LLC viacall, email, and text. To Opt out, you can reply “Stop” at any time or clickthe unsubscribe link in the emails. Message and data rates may apply. Messagefrequency varies. PMG PrivacyPolicy and PMG Opt-out.