Go Mortgage, LLC

Purpose

Section 502-509 of title V of the Gramm-Leach-Bliley Act (GLBA), and its implementing Regulation P, (also known as the Privacy Rule) requires financial institutions to provide notice to customers about their privacy policies and practices; describe the conditions under which they may disclose nonpublic personal information about consumers to nonaffiliated third parties; and provide a method for consumers to prevent companies from disclosing that information to most nonaffiliated third parties by opting-out of that disclosure. Furthermore, the Fair Credit Reporting Act (FCRA) and the Right to Financial Privacy Act (RFPA) contain provisions to ensure protection of the financial information of consumers.

Go Mortgage LLC requires all employees, affiliates, and service providers to comply with all consumer protection regulations regarding the privacy and disclosure of consumer information. Go Mortgage, LLC also complies with all disclosure requirements regarding its privacy policies and practices by providing customers with a privacy notice that clearly describes Go Mortgage, LLC’s practice of collecting, protecting, and sharing customer’s nonpublic personal information (NPI) with affiliates and third parties at the time that a customer relationship is established. Wherever local privacy regulations are more stringent than the requirements set forth in this Policy, the more stringent requirements will be followed.

Go Mortgage LLC will send a copy of the privacy notice to all new customers in the timeframes specified in the Privacy Rule. Go Mortgage, LLC will also provide a privacy notice annually during the continuation of the customer relationship, if applicable.

In addition, Go Mortgage LLC may use consumer and customer contact information to facilitate communication related to marketing, loan servicing, customer care, and other business purposes. Such communications may be delivered via phone, text message, email, or other electronic means, including through the use of automated dialing systems, prerecorded or artificial voice messages, and Artificial Intelligence (AI)–assisted technologies, where permitted by law and subject to applicable consent and opt-out requirements.

Definitions

The following definitions apply to this Policy:

Consumer – means an individual who obtains or has obtained from a financial institution a financial product or service that is to be used primarily for personal, family, or household purposes and includes such an individual’s legal representative. A consumer includes an individual who provides nonpublic personal information in order to obtain a determination about whether he or she qualifies for a loan. A consumer also includes an individual who applies for a loan, regardless of whether credit is extended to that person.

Customer – means a consumer who has a “customer relationship” with a financial institution. A “customer relationship” is a continuing relationship between a consumer and a financial institution under which the institution provides one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes.

Nonpublic Personal Information (NPI) – means any information that is not publicly available and that a consumer provides to a financial institution to obtain a financial product or service from the institution; results from a transaction between the consumer and the institution involving a financial product or service; or a financial institution otherwise obtains about a consumer in connection with providing a financial product or service.

Artificial Intelligence (AI) Assist Technology – technology that uses artificial intelligence or machine-based systems to support, facilitate, or conduct communications with consumers, including but not limited to voice assistants, chatbots, automated messaging systems, or similar tools used for marketing or customer-care purposes.

Artificial or Prerecorded Voice – a voice message delivered using prerecorded audio or artificial voice technology, including synthetic or computer-generated speech.

Automated Dialing System – equipment or technology that automatically dials telephone numbers or sends text messages without human intervention, as defined under applicable federal or state law.

Electronic Communications – communications delivered by telephone calls, text messages (SMS or MMS), email, or other electronic messaging platforms.

Privacy Notice Requirements

Go Mortgage, LLC complies with the following privacy notice requirements under the GLBA and, when applicable, the FCRA. Further, the GLBA provides that Go Mortgage, LLC will obtain a “safe harbor” and will satisfy the disclosure requirements for notices if it chooses to use the model form provided under the GLBA.

Initial Privacy Notices

Go Mortgage LLC is required to provide an initial privacy notice to customers when a customer establishes a relationship with Go Mortgage, LLC, by submitting an application for a mortgage loan.

At this time, Go Mortgage does not share customer information with non-affiliated third parties outside of the exceptions permitted under GLBA and listed below. However, should Go Mortgage begin to share customer information with non-affiliated third parties outside of the exceptions, Go Mortgage LLC is also required to provide a consumer with a privacy notice before doing so. Because Go Mortgage LLC doesn’t only share information with non-affiliated third parties within the exceptions, Go Mortgage LLC does not have to provide an additional privacy notice to consumers for this purpose.

If Go Mortgage, LLC is required to provide a privacy notice to consumers, it may choose to give a “short-form notice” instead of a full privacy notice. The short-form notice must:

Explain that Go Mortgage, LLC’s full privacy notice, is available on request;
Describe a reasonable way that consumers may obtain the full privacy notice; and
Include an opt-out notice.

Annual Privacy Notices

Go Mortgage LLC also sends annual privacy notices to their customers during the continuation of the customer relationship, if applicable. The annual notice must accurately describe Go Mortgage, LLC’s privacy policies, and practices in effect at the time the notice is sent.

Annually means at least once in any period of 12 consecutive months during which that relationship exists. Go Mortgage, LLC, does not send privacy notices after the relationship with the customer has ended.

Information Included in Privacy Notices

The privacy notice includes:

The categories of NPI that Go Mortgage, LLC collects;
The categories of NPI that Go Mortgage, LLC discloses;
The categories of affiliates and nonaffiliated third parties to whom Go Mortgage, LLC discloses NPI;
The categories of NPI about former customers that Go Mortgage, LLC discloses and the categories of affiliates and nonaffiliated third parties to whom Go Mortgage, LLC discloses NPI about former customers;
If Go Mortgage, LLC discloses NPI to a nonaffiliated third party, a separate statement of the categories of information it discloses and the categories of third parties with whom Go Mortgage, LLC has contracted;
An explanation of the consumer’s right under Regulation P §1016.10(a) to opt-out of the disclosure of NPI to nonaffiliated third parties, including the method(s) by which the consumer may exercise that right at that time;
Any disclosures made under the Fair Credit Reporting Act (that is, notices regarding the ability to opt-out of disclosures of information among affiliates); and
Go Mortgage, LLC’s policies, and practices with respect to protecting the confidentiality and security of NPI.
The use of consumer contact information, including telephone numbers and email addresses, to communicate with consumers through manual, automated, prerecorded, artificial voice, or AI-assisted methods for marketing, servicing, and customer-care purposes, subject to applicable consent and opt-out requirements.

Exceptions to Privacy Notice Requirement

Exceptions for processing transactions at consumer’s request – Exceptions to the initial privacy notice, opt- out and for service providers and joint marketing do not apply if Go Mortgage, LLC discloses NPI as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes, or in connection with:

Servicing or processing a financial product or service that a consumer requests or authorizes;
Maintaining or servicing the consumer’s account with Go Mortgage, LLC, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity; or
A proposed or actual securitization, secondary market sale (including sales of servicing rights), or similar transaction related to a transaction of the consumer.

Opt-Out Notice

Opt-out means a direction by the consumer that Go Mortgage, LLC may not disclose NPI about that consumer to a nonaffiliated third party, other than as permitted by law. The opt-out notice is a clear and conspicuous notice to all customers that accurately explains the right to opt-out under that section. The notice states:

That Go Mortgage, LLC discloses or reserves the right to disclose NPI about a consumer to a nonaffiliated third party;
That the consumer has the right to opt-out of that disclosure; and
A reasonable means by which the consumer may exercise the opt-out right.

In addition, consumers may opt out of certain communications, including automated, prerecorded, artificial voice, or AI-assisted calls or text messages, at any time. Opt-out instructions will be provided at the time of communication and may include replying “STOP” to text messages or using other reasonable methods. Opting out of communications does not limit Go Mortgage, LLC’s ability to contact consumers as permitted by law for servicing, legal, or regulatory purposes.

Exceptions to the Opt-Out Notice

The requirements for initial notice and for service providers and joint marketing do not apply when Go Mortgage, LLC discloses NPI:

With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction;
To protect the confidentiality or security of Go Mortgage, LLC records pertaining to the consumer, service, product, or transaction;
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;
For required institutional risk control or for resolving consumer disputes or inquiries;
To persons holding a legal or beneficial interest relating to the consumer or acting in a fiduciary or representative capacity on behalf of the consumer;
To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating Go Mortgage, LLC, persons that are assessing Go Mortgage, LLC compliance with industry standards, and Go Mortgage, LLC attorneys, accountants, and auditors;
To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978, to law enforcement agencies (including the Bureau, a Federal functional regulator, the Secretary of the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II (Records and Reports on Monetary Instruments and Transactions) and 12 U.S.C. Chapter 21 (Financial Recordkeeping), a state insurance authority, with respect to any person domiciled in that insurance authority’s state that is engaged in providing insurance, and the Federal Trade Commission), self- regulatory organizations, or for an investigation on a matter related to public safety;
To a consumer reporting agency in accordance with the Fair Credit Reporting Act;
From a consumer report reported by a consumer reporting agency;
In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of NPI concerns solely consumers of such business or unit;
To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, state, or local authorities; or
To respond to judicial process or government regulatory authorities having jurisdiction over Go Mortgage, LLC for examination, compliance, or other purposes as authorized by law.
To comply with Federal, State, or local laws, rules, and other applicable legal requirements.

Where a consumer has provided express consent, Go Mortgage, LLC may contact the consumer using automated dialing systems, prerecorded or artificial voice messages, or AI Assist technology for marketing and customer-care purposes, even if the consumer’s telephone number is listed on a company, state, or national Do Not Call registry. Consumers may revoke such consent at any time.

Revised Notices

The Privacy Rule is designed to enable consumers to make opt-out decisions based on an accurate description of a financial institution’s privacy policies and practices. Before disclosing NPI about a consumer to a nonaffiliated third party other than as described in Go Mortgage, LLC’s most recent privacy notice, Go Mortgage, LLC must provide the consumer with a revised initial notice, a new opt-out notice, and reasonable opportunity to opt out.

A revised notice is not required in the instance where Go Mortgage, LLC makes a change to disclose NPI to a new nonaffiliated third party that was adequately described in its prior notice.

Material changes to communication practices, including the use of automated or AI-assisted communication technologies, will require issuance of a revised privacy notice and, where applicable, updated consumer awareness or consent.

Delivery Requirements

Go Mortgage, LLC provides the required privacy and opt-out notices simultaneously. Go Mortgage, LLC provides privacy notices and opt-out notices so that each consumer can reasonably be expected to receive actual notice in writing. The notice can be hand-delivered, mailed, or, if the consumer consents, delivered electronically.

Prohibition on Disclosure of Account Notices

The Privacy Rule prohibits financial institutions from sharing account numbers or similar access numbers or codes for marketing purposes. This prohibition applies even when a consumer or customer has not opted-out of the disclosure of NPI concerning his or her account.

Under no circumstances will Go Mortgage, LLC disclose, other than to consumer reporting agencies, access codes or account numbers for use in marketing.

Limitations on Redisclosure or Reuse of NPI

When a financial institution receives NPI from a nonaffiliated financial institution, its disclosure and use of the information is limited as follows:

For NPI received under any of the privacy and opt-out notice exceptions outlined above, the financial institution is limited to:
- Disclosing the information to the affiliates of the financial institution from which it received the information;
- Disclosing the information to its own affiliates, who may, in turn, disclose and use the information only to the extent that the financial institution can do so; and
- Disclosing and using the information pursuant to any of the privacy and opt-out notice exceptions outlined above (for example, an institution receiving information for account processing could disclose the information to its auditors).
For NPI received other than under any of the privacy and opt-out notice exceptions outlined above, the recipient’s use of the information is unlimited, but its disclosure of the information is limited to:
- Disclosing the information to the affiliates of the financial institution from which it received the information;
- Disclosing the information to its own affiliates, who may, in turn disclose the information only to the extent that the financial institution can do so; and
- Disclosing the information to any other person if the disclosure would be lawful if made directly to that person by the financial institution from which it received the information.

Fair Credit Reporting Act and Privacy

The Fair Credit Reporting Act (FCRA), among other things, allows financial institutions to share information with others about their own transactions or experiences with a consumer. However, when a financial institution shares information about third-parties’ transactions with a consumer, such as sharing a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services, it could cause the financial institution to be considered a consumer reporting agency that is subject to strict guidelines under FCRA. Furthermore, civil, or criminal penalties could apply if a financial institution fails to comply with any requirements of the FCRA.

Financial institutions can avoid additional requirements and penalties under FCRA by not providing others with information from credit reports or third-party transactions. Additionally, FCRA contains an exception that allows financial institutions to share information contained in consumer reports and other information, such as information on an application for credit, as long as that information is shared with an affiliate and before the information can be used for marketing and solicitation, the financial institution:

Clearly and conspicuously discloses to the consumer that the information may be shared with an affiliate; and
Gives the consumer the opportunity, before the information is shared, to opt-out of having their information shared.

The GLBA notice is sufficient to meet FCRA notice requirements for sharing information with affiliates. Furthermore, the FCRA notice, and opt-out requirements do not apply to a financial institution if it uses eligibility information that it receives from an affiliate to make a solicitation for marketing purposes to a consumer with whom the financial institution has a preexisting business relationship.

The Right to Financial Privacy Act

The Right to Financial Privacy Act (RFPA) protects a customer’s right to privacy with respect to information being disclosed to the federal government regarding the financial records maintained about the customer by financial institutions. The RFPA is intended to balance the federal government’s need for information when conducting a criminal investigation with the customer’s right to privacy. It establishes specific procedures that federal government authorities must follow in order to obtain information from a financial institution about a customer’s financial records. Generally, these requirements include obtaining subpoenas, notifying the customer of the request, and providing the customer with an opportunity to object.

Under the RFPA, the government must reasonably describe the records it wants and may use one of five methods to obtain those records:

Customer Authorization

Under this method the customer must give signed and dated authorization to both the government and the institution. Further, the authorization must state the customer’s rights under the RFPA. In this document, the customer must:

Authorize the disclosures for no more than 3 months.
State that the authorization can be revoked at any time before records are disclosed.
Identify the records to be disclosed.
Specify the purpose for which, and the government authority to which, records may be disclosed.

Administrative Subpoena or Summons

A government authority may obtain financial records using an administrative subpoena or summons if there is reason to believe the records are relevant to a legitimate law enforcement inquiry. A copy of the subpoena or summons must have been served to the customer, or mailed to the customer’s last known address, on or before the date on which it was served to the financial institution and it should include a notice regarding the nature of the law enforcement inquiry and notify the customer of his or her right, and procedures, to contest the inquiry.

Search Warrants

Search warrants must be obtained according to the federal rules of criminal procedure. The customer must receive a copy of the search warrant no later than ninety days after it is issued and receive a notice of his or her rights under the RFPA.

Judicial Subpoena

A government authority can obtain financial records under a judicial subpoena only if there is a reason to believe the records are relevant to a legitimate law enforcement inquiry. When a judicial subpoena is issued, the subpoena must have been served to the customer, or mailed to the customer’s last known address, and it must state the nature of the law enforcement inquiry and notify the customer of his or her right, and procedures, to contest the inquiry.

Formal Written Request

A government agency may request financial records using a formal written request only if all the following conditions are met:

The government agency doesn’t appear to have legal authority to issue a summons or subpoena;
The request is authorized by regulation issued by the head of the agency; or
There is reason to believe the records are relevant to a legitimate law enforcement inquiry. When a formal written request is used, it must have been served to the customer, or mailed to the customer’s last known address, and it must state the nature of the law enforcement inquiry and notify the customer of his or her right, and procedures, to contest the inquiry.

The RFPA also contains exceptions for depository institutions under 12 US Code Section 3413, allowing these institutions to, among other things, disclose:

Financial information in accordance with procedures authorized by the IRS.

Financial records that are not identified with or identified as coming from a particular customer;

Customer Financial Records to its supervisory agencies;

Financial records or information required by federal statute; and

Contact Us

For more information about our privacy practices, if you have questions, or if you would like to make a request or complaint, please contact us at 1-800-444-7283 or compliance@gomortgage.com.

Updated 01/2026