Privacy Policy
Khan Home Loan LLC
Company NMLS ID: 2092207
Website: https://www.khanhomeloan.com/
Effective Date: September 14, 2024
Last Updated: [Insert actual publication date after approval]
Introduction
Khan Home Loan LLC (“Khan Home Loan,” “Company,” “we,” “our,” or “us”) values the privacy, confidentiality, and security of personal information entrusted to us.
We recognize that mortgage financing involves sensitive personal and financial information. We are committed to handling such information responsibly and in accordance with applicable federal and state privacy requirements.
This Privacy Policy describes how we collect, use, disclose, safeguard, and retain personal information obtained through our website, mortgage inquiries, applications, and related business communications.
This policy applies to users of www.khanhomeloan.com and individuals who interact with our mortgage services, including prospective borrowers, applicants, customers, and website visitors.
Some financial information is also governed by the Gramm-Leach-Bliley Act (GLBA), Regulation P, the California Financial Information Privacy Act, and other applicable laws.
This website Privacy Policy does not replace any separate financial privacy notice, consent, disclosure, or authorization required by law.
1. Information We Collect
Depending on your interaction with our website and mortgage services, we may collect the following categories of information.
A. Personal Identification Information
Full legal name
Mailing and residential addresses
Email address
Telephone and mobile numbers
Date of birth
Social Security number or taxpayer identification number, when required for an authorized mortgage transaction
Government-issued identification
Citizenship or residency information when relevant to eligibility
Other information necessary to verify identity or provide requested services
B. Mortgage and Financial Information
When you inquire about or apply for mortgage financing, we may collect:
Employment history and employer details
Income and income documentation
Bank and financial account information
Assets, investments, and liabilities
Existing mortgages and other debts
Credit information and credit scores
Consumer credit reports, where lawfully obtained
Property address and property information
Purchase price and estimated property value
Requested loan amount
Down payment information
Loan purpose and occupancy status
Tax and insurance information
Mortgage applications and supporting documents
Other information reasonably necessary to evaluate or process a mortgage transaction
Certain financial information is sensitive and is subject to additional legal requirements.
C. Information Obtained from Third Parties
Where permitted by law, and with any required authorization, we may obtain information from:
Credit reporting agencies
Mortgage lenders and financial institutions
Employers and income-verification providers
Financial verification services
Appraisal and valuation providers
Title and escrow companies
Government agencies
Mortgage processing and technology providers
Other authorized parties involved in the mortgage transaction
We use this information for mortgage-related activities and other legally permitted purposes.
2. Information Collected Automatically
When you visit our website, certain technical and usage information may be collected automatically.
Such information may include:
Internet Protocol (IP) address
Browser type and version
Device type and operating system
Referring website
Pages visited
Date and time of access
Website interactions
Approximate geographic location derived from IP address
Cookie identifiers
Website performance and analytics information
This information may be used to operate, maintain, secure, evaluate, and improve our website and its functionality.
3. Cookies, Analytics, and Advertising Technologies
Our website may use cookies, pixels, analytics services, and similar technologies.
These technologies may help us:
Maintain website functionality
Analyze website traffic
Understand visitor interactions
Measure advertising effectiveness
Improve website performance
Deliver or evaluate marketing communications, where legally permitted
Depending on our implemented website configuration, third-party analytics or advertising providers may collect device identifiers, browser information, IP addresses, and website interaction information.
Sensitive Financial Information
We do not intend to transmit Social Security numbers, bank account details, credit reports, mortgage application documents, or other confidential financial application information to advertising platforms for advertising purposes.
Information collected through website technologies will be handled subject to applicable financial privacy and consumer protection requirements.
Your Cookie Choices
You may manage or block cookies through your browser settings.
Where applicable law requires additional privacy choices, consent mechanisms, or recognition of valid opt-out preference signals, we will provide or honor those mechanisms as required.
Disabling some technologies may affect certain website features.
4. How We Use Personal Information
We may use information collected from you for legitimate mortgage-related and business purposes, including:
Mortgage Inquiries and Services
Responding to mortgage inquiries
Providing information about available mortgage programs
Scheduling consultations
Communicating about requested services
Assisting with mortgage financing options
Mortgage Application Processing
Evaluating eligibility
Processing mortgage applications
Verifying employment, income, assets, and liabilities
Obtaining authorized credit information
Coordinating mortgage underwriting
Facilitating property appraisals
Coordinating title and settlement services
Submitting application materials to authorized lenders
Facilitating approved mortgage transactions
Website and Service Improvement
Monitoring website performance
Improving navigation and usability
Understanding customer inquiries
Maintaining customer service quality
Evaluating and improving our operations
Security and Fraud Prevention
Verifying identity
Detecting suspicious activity
Preventing identity theft and fraud
Protecting information systems
Investigating unauthorized activities
Maintaining appropriate business records
Legal and Regulatory Compliance
Complying with applicable federal and state laws
Maintaining required records
Responding to regulatory examinations
Meeting mortgage licensing obligations
Responding to lawful government requests
Complying with applicable consumer protection and financial privacy requirements
We will not use personal information for purposes prohibited by applicable law.
5. How We Share and Disclose Information
Khan Home Loan LLC may disclose personal or financial information when necessary to provide services requested by you, when authorized by you, when permitted or required by law, or as described in an applicable financial privacy notice.
Depending on the transaction, recipients may include:
Mortgage lenders and banks
Loan investors and authorized mortgage processors
Credit reporting agencies
Employment, income, and asset verification services
Appraisers and appraisal management companies
Title, escrow, and settlement companies
Insurance providers
Attorneys, accountants, and auditors
Mortgage technology and document-management providers
Customer relationship management service providers
Website hosting and cybersecurity providers
Regulatory agencies and government authorities
Other parties necessary to process or complete an authorized mortgage transaction
Where required, we use contractual, operational, and legal safeguards governing service providers’ handling of protected information.
Any disclosure of nonpublic personal financial information is subject to applicable restrictions under GLBA, Regulation P, California financial privacy laws, and other relevant requirements.
Disclosures for unrelated third-party marketing are subject to applicable authorization, consent, notice, and opt-out requirements.
6. Nonpublic Personal Information
As a mortgage services provider, Khan Home Loan LLC may collect and maintain nonpublic personal information (NPI).
Nonpublic personal information generally includes personally identifiable financial information obtained in connection with providing a financial product or service.
Examples may include:
Financial information supplied in a mortgage application
Credit and income information
Account and asset details
Transaction-related information
Other protected financial records
We handle such information in accordance with applicable federal and state financial privacy requirements.
Nonpublic personal information is disclosed only where authorized, permitted, or required by applicable law.
7. Gramm-Leach-Bliley Act and Regulation P
Khan Home Loan LLC recognizes its obligations under applicable federal financial privacy requirements, including the Gramm-Leach-Bliley Act and Regulation P.
These requirements address the collection, disclosure, and protection of consumers’ nonpublic personal financial information.
Where required, we provide a separate financial privacy notice describing:
Categories of personal information collected
Categories of information disclosed
Categories of affiliates and nonaffiliated third parties receiving information
Applicable information-sharing practices
Available consumer opt-out rights
Information security and confidentiality practices
Certain disclosures necessary to process, administer, or complete a consumer-requested mortgage transaction may be permitted without a separate opt-out.
Other disclosures may require additional notices, consumer choices, or authorization.
This website Privacy Policy is supplementary to, and does not replace, any applicable GLBA or Regulation P financial privacy notice.
8. California Privacy Information
Khan Home Loan LLC provides mortgage-related services to consumers in California.
We handle California consumers’ information in accordance with applicable federal and state privacy laws.
California Financial Information Privacy Act
The California Financial Information Privacy Act provides protections relating to certain sharing of nonpublic personal information by covered financial institutions.
Where applicable, Khan Home Loan LLC obtains the necessary consumer authorization before sharing protected information with nonaffiliated third parties when required by California law.
Certain disclosures may be permitted without separate authorization, including disclosures necessary for an authorized mortgage transaction, fraud prevention, legal compliance, and other statutory exceptions.
Additional restrictions or choices may apply to information sharing with affiliates.
California Consumer Privacy Act
Certain personal information regulated under GLBA or the California Financial Information Privacy Act is exempt from specified requirements of the California Consumer Privacy Act, as amended.
Where the CCPA applies to Khan Home Loan LLC and particular personal information is not exempt, eligible California consumers may have applicable rights, including:
The right to know about covered personal information
The right to request deletion, subject to exceptions
The right to request correction
The right to access applicable information
The right to opt out of certain sales or sharing
The right to limit certain uses of sensitive personal information, when applicable
The right not to be unlawfully discriminated against for exercising privacy rights
The availability of these rights depends on the law’s applicability, exemptions, and the nature of the information.
Requests may be submitted using the contact information at the end of this policy.
We may need to verify identity before fulfilling certain requests.
We may retain or use information where permitted or required by applicable law, including mortgage recordkeeping and regulatory obligations.
California Online Privacy Practices
Our website may use analytics and other technologies as described in this policy.
We explain our general online collection and tracking practices in the Cookies and Analytics section.
Where required by applicable California law, we will recognize valid opt-out preference signals and provide the relevant privacy choices.
9. Texas Privacy and Data Security
Khan Home Loan LLC serves consumers in Texas and handles personal and financial information subject to applicable federal and Texas laws.
These laws may include requirements concerning:
Protection of sensitive personal information
Appropriate collection and disclosure practices
Financial information confidentiality
Identity theft and fraud prevention
Notification of qualifying security breaches
Regulatory recordkeeping
The Texas Data Privacy and Security Act includes exemptions for financial institutions or data governed by Title V of the Gramm-Leach-Bliley Act.
Accordingly, rights and obligations under that Act depend on its applicability to Khan Home Loan LLC and the information involved.
Khan Home Loan LLC will handle eligible privacy requests and applicable breach-notification responsibilities in accordance with governing law.
Texas mortgage licensing and consumer complaint information is available on our separate Texas Mortgage Licensing & Compliance page.
10. Florida Privacy and Data Security
Khan Home Loan LLC provides mortgage-related services to consumers in Florida.
We handle personal and financial information subject to applicable federal and Florida requirements, including laws relating to:
Consumer financial privacy
Information security
Identity theft prevention
Unauthorized access
Consumer notification of qualifying data breaches
Protection of sensitive personal information
We maintain administrative, technical, and physical safeguards appropriate to our business and information-handling activities, subject to actual implementation and applicable legal requirements.
The applicability of specific Florida consumer privacy provisions depends on the relevant statutory criteria and exemptions.
Florida mortgage licensing disclosures are provided separately on our Florida Mortgage Licensing & Compliance page.
11. Credit Reports and Consumer Reporting Information
Khan Home Loan LLC may obtain credit reports or consumer reporting information in connection with an authorized mortgage transaction.
Consumer reports are accessed only for legally permissible purposes and in accordance with any required authorization.
Credit report information may be used to:
Evaluate mortgage eligibility
Review credit qualifications
Assess applicable lending requirements
Assist in mortgage underwriting
Verify relevant application information
Comply with legal and regulatory requirements
Consumer reporting information is handled subject to the Fair Credit Reporting Act and other applicable laws.
We do not authorize access to consumer credit reports for unauthorized purposes.
12. Communications, Email Marketing, and Text Messages
When you provide contact information, Khan Home Loan LLC may use it to respond to your inquiries and communicate about requested mortgage services.
These communications may include:
Responses to mortgage inquiries
Appointment confirmations
Application-related communications
Requests for documentation
Transaction updates
Customer service communications
Marketing communications, where permitted by law
Email Marketing
Where permitted by law, we may send promotional emails regarding mortgage programs, financing information, and company services.
Marketing emails will include an appropriate method to unsubscribe where legally required.
Text Messages
Where required, we obtain appropriate consent before sending marketing or automated text messages.
Applicable messages may include opt-out instructions such as replying STOP.
Consent to marketing calls or texts is not a condition of obtaining mortgage products or services where such a condition would be prohibited.
Telephone Communications
Telephone communications are subject to applicable telemarketing, consent, and do-not-call requirements.
We honor valid opt-out requests in accordance with applicable law.
Consumers may continue to receive necessary service-related, transactional, or legally required communications where permitted.
13. Information Security
Khan Home Loan LLC recognizes the importance of safeguarding personal and financial information.
We maintain security measures intended to protect information from unauthorized access, disclosure, alteration, misuse, or destruction.
Depending on the systems and information involved, safeguards may include:
Restricted access to confidential information
Identity and access-management measures
Authentication controls
Secure information transmission and storage
Employee privacy and security procedures
Vendor and service-provider oversight
Monitoring and security reviews
Appropriate document-handling practices
Data retention and secure disposal procedures
Incident-response procedures
Our safeguards are designed to be appropriate to the sensitivity of the information, the nature of our services, and applicable legal requirements.
No system or method of electronic communication is entirely free from risk. We cannot guarantee absolute security.
Consumers should avoid sending Social Security numbers, complete banking credentials, or other highly sensitive documents through ordinary email or unsecured website forms.
Where secure document submission is available, we encourage its use.
14. Data Retention and Disposal
We retain personal and financial information for periods appropriate to our legitimate business purposes and applicable legal obligations.
These purposes may include:
Processing mortgage applications
Completing mortgage transactions
Maintaining legally required records
Complying with lender and investor requirements
Meeting mortgage licensing obligations
Responding to regulatory examinations
Resolving customer inquiries and disputes
Detecting fraud and unlawful activity
Defending legal claims
Satisfying applicable recordkeeping requirements
Retention periods vary depending on the record type, transaction, regulatory requirements, and applicable law.
Where information is no longer required, we handle it in accordance with applicable retention, disposal, and security procedures.
Deletion requests may be subject to exceptions for legally required records.
15. Third-Party Websites and Mortgage Platforms
Our website may link to third-party websites or services, including mortgage application platforms, lenders, document portals, social media platforms, and other service providers.
When you access an independently operated third-party website, its own privacy policy and terms may govern your use of that service.
We encourage you to review the privacy and security information provided by third-party platforms before submitting sensitive information.
Where vendors process information on behalf of Khan Home Loan LLC, their responsibilities may also be governed by applicable contractual and legal requirements.
16. Children’s Privacy
Khan Home Loan LLC provides mortgage-related services intended for adults.
Our website is not directed to children under 13, and we do not knowingly solicit personal information online from children under 13 in violation of applicable law.
If we become aware that such information has been collected in circumstances where consent or other legal requirements have not been satisfied, we will take appropriate action.
Parents or guardians may contact us regarding questions about children’s information.
17. Your Privacy Rights and Choices
Depending on your state of residence, the information involved, and applicable law, you may have certain privacy rights or choices.
These may include:
Managing optional website cookies
Unsubscribing from marketing emails
Opting out of applicable marketing text messages
Exercising eligible financial-information sharing choices
Requesting information about our privacy practices
Exercising applicable access, correction, deletion, or opt-out rights
Some rights may not apply to financial information governed by specific federal or state exemptions.
We may verify your identity and request relevant information before processing a privacy request.
We may also decline or limit requests where legally permitted or required, including when information must be retained for regulatory, compliance, fraud prevention, or legal purposes.
For privacy inquiries or applicable requests, contact:
Email: mkhan@khanhomeloan.com
Phone: (562) 331-8994
18. Information Required for Mortgage Services
You may browse publicly available portions of our website without submitting a mortgage application.
However, to provide requested mortgage services, we may need certain personal or financial information.
This information may be necessary to:
Identify you
Respond to inquiries
Evaluate mortgage options
Verify borrower eligibility
Process loan applications
Satisfy lender requirements
Meet applicable legal and regulatory obligations
If required information is not provided, we may be unable to process your request or provide a particular mortgage service.
19. Changes to This Privacy Policy
Khan Home Loan LLC may revise this Privacy Policy to reflect changes in business practices, technology, service providers, legal requirements, or regulatory guidance.
When changes are made, the Last Updated date will reflect the date of the revised policy.
Additional notice will be provided when required by applicable law.
We encourage website visitors to review this page periodically.
20. Contact Information
If you have questions about this Privacy Policy, our information-handling practices, or applicable privacy choices, please contact us.
Khan Home Loan LLC
Company NMLS ID: 2092207
Office Address:
17510 Pioneer Blvd, Suite 214
Artesia, CA 90701
United States
Phone: (562) 331-8994
Email: mkhan@khanhomeloan.com
Website: https://www.khanhomeloan.com/
Important Financial Privacy Notice
This website Privacy Policy describes Khan Home Loan LLC’s general privacy and information-handling practices.
It does not replace any financial privacy notice, consumer authorization, information-sharing consent, opt-out notice, or disclosure that must be provided separately under the Gramm-Leach-Bliley Act, Regulation P, the California Financial Information Privacy Act, or other applicable federal or state laws.
Certain consumer information may be subject to additional protections and restrictions under federal and state financial privacy requirements.
For additional company licensing and regulatory information, please visit:
Disclosures & Licenses
California Mortgage Licensing & Compliance
Texas Mortgage Licensing & Compliance
Florida Mortgage Licensing & Compliance
Khan Home Loan LLC | Company NMLS #2092207
Equal Housing Opportunity