This Privacy Policy describes how Clearpath Processor, LLC ("Clearpath Processor," "we," "our," or "us") collects, uses, shares, and protects information about you when you use our website, platform, and services. Please read this policy carefully.
1. Information We Collect
1.1 Information You Provide Directly
We collect information you provide when you:
- Complete an inquiry or contact form on our website
- Request a product demonstration or consultation
- Subscribe to our services or create an account
- Communicate with our team via email, phone, or SMS
- Provide your phone number and consent to receive SMS communications
This information may include your name, job title, company name, email address, phone number, mailing address, and any other information you choose to provide.
1.2 Information Collected Automatically
When you visit our website, we automatically collect certain technical information, including your IP address, browser type and version, operating system, pages viewed, time and date of your visit, and referring URLs. We use this information to improve our website's performance and your browsing experience.
1.3 Information from Business Customers
When mortgage lenders, brokers, and loan officers ("Business Customers") use our platform to communicate with their borrowers, we process borrower data on behalf of our Business Customers. In this capacity, we act as a data processor, and our Business Customers act as data controllers. This data may include borrower names, phone numbers, loan reference numbers, and communication history.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide our services: Operating, maintaining, and improving our mortgage automation platform
- To communicate with you: Responding to inquiries, providing customer support, and sending service-related notices
- To send SMS messages: Delivering loan status updates, document requests, appointment confirmations, and other transactional communications you have consented to receive
- To personalize your experience: Tailoring content and features to your role and preferences
- For analytics and improvement: Understanding how our platform is used so we can improve it
- For legal compliance: Meeting our obligations under applicable law and regulations
- For security: Detecting and preventing fraud, unauthorized access, and other harmful activities
3. SMS / Text Message Communications
📱 SMS Program Disclosure
Clearpath Processor sends SMS text messages for the following purposes:
- Loan application confirmations and status updates
- Document request notifications with secure upload links
- Underwriting and approval decision notifications
- Rate lock and expiration reminders
- Closing appointment confirmations and reminders
- Clear-to-close and funding notifications
- Post-close follow-up and satisfaction communications
Consent: By providing your mobile phone number and checking the consent box on any of our forms or application materials, you expressly consent to receive SMS messages from Clearpath Processor and its Business Customers.
Message Frequency: Message frequency varies based on your loan activity. You may receive up to 10 messages per loan transaction.
Message & Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan.
Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message. After opting out, you will receive a single confirmation message and no further messages will be sent.
Help: For help, reply HELP to any message or contact us at info@clearpathprocessor.com.
Supported Carriers: AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, US Cellular, and other major carriers. Carriers are not liable for delayed or undelivered messages.
4. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. We may share your information in the following circumstances:
- With Service Providers: We share information with trusted third-party vendors who provide services on our behalf, such as cloud hosting, SMS delivery networks (including registered 10DLC-compliant carriers), analytics, and customer support tools. These providers are contractually prohibited from using your data for any purpose other than providing services to us.
- With Business Customers: If you are a borrower, your data may be shared with the mortgage lender or broker who retained our services to communicate with you regarding your loan.
- For Legal Compliance: We may disclose information when required by law, subpoena, or legal process, or when we believe disclosure is necessary to protect our rights or the safety of others.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
5. Data Retention
We retain personal information for as long as necessary to provide our services and fulfill the purposes described in this policy, or as required by law. SMS opt-out records are retained indefinitely to honor your communication preferences. Business Customer data is retained in accordance with the applicable service agreement.
6. Data Security
We implement industry-standard technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of data in transit (TLS/SSL), access controls, secure data centers, and regular security assessments. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
7. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and understand how our content is used. You can control cookies through your browser settings. Disabling cookies may limit some website functionality.
8. Your Rights and Choices
Depending on your location and applicable law, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request that we correct inaccurate or incomplete information
- Deletion: Request that we delete your personal information, subject to legal retention requirements
- Opt-Out of SMS: Reply STOP to any message at any time
- Do Not Sell: We do not sell personal information. California residents may exercise their rights under the CCPA by contacting us.
To exercise any of these rights, please contact us at info@clearpathprocessor.com or (800) 555-0190.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, notify you by email or through our platform. Your continued use of our services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
- Email: info@clearpathprocessor.com
- Phone: (800) 555-0190
- Mailing Address: Clearpath Processor, LLC, Privacy Office