Privacy Policy

Effective Date: August 26, 2026

Team Hochberg at Atlantic Coast Mortgage values your privacy and strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures to safeguard the personal information in our possession.

Important Notice Regarding Text Messaging Data

Team Hochberg DOES NOT share customer text messaging opt-in information, including phone numbers and consent records, with affiliates or third parties for marketing, promotional, or other purposes unrelated to providing our direct services. All text messaging originator opt-in data and consent records are kept strictly confidential.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be provided to subcontractors and service providers solely as necessary to support services such as customer service or delivery of text messages you have consented to receive.

All other information-sharing categories described in this Privacy Policy exclude text messaging originator opt-in data and consent. This information will not be shared with third parties except aggregators and providers necessary to deliver the text messaging services you have requested.

1. Our Privacy Pledge

We do not sell or rent customer information.
We share customer information with certain employees and companies providing services on our behalf when necessary to service your needs, process your loan, or provide services you have requested.
We may share information as permitted by law for marketing services, including joint marketing with other financial companies. We do not share information with our affiliates for their everyday business purposes.
We require employees and companies providing services on our behalf to maintain the confidentiality and security of customer information.
When you consent or direct Atlantic Coast Mortgage to share your personal information, we may share certain information with non-affiliates to assist with your application and mortgage process, subject to the limitations described in this Privacy Policy.
Text messaging originator opt-in data and consent records are specifically excluded from marketing, promotional, and other unrelated information sharing as described in the Important Notice Regarding Text Messaging Data above.

2. Information We Collect

We collect information to help us serve your financial needs, provide quality products and services, communicate with you, and fulfill legal and regulatory requirements. We consider information about you in our possession to be personal information even if you cease to be a customer.

Personal and Financial Information

Information we may collect includes:

Name, age, email address, phone number, and physical address
Social Security number and other identifying information when required in connection with a financial transaction
Employment information
Income, assets, liabilities, savings, investments, insurance, and business information
Payment information when you make a purchase or when otherwise necessary to provide a requested service
Information contained in applications and other forms you complete
Opt-in records and timestamps for communication channels, including SMS and email

We may collect this information through applications and other forms you complete, conversations with our loan professionals and other representatives, and through our website.

When necessary to process or underwrite a loan, we may also obtain information from sources including employers, attorneys, banks, title insurers, insurance companies, credit reporting agencies, and other parties involved in your transaction.

Website and Device Information

We may collect non-personal or technical information including:

IP address
Browser type
Device information
Website usage patterns and analytics
Cookies and similar technologies

Customer Communications

We may maintain records of:

Inquiries and service requests
Appointment details and preferences
Service history and feedback
Communication preferences
Consent and opt-in or opt-out activity

3. How We Use Your Information

We may use collected information for purposes including:

Providing and improving our services
Processing loan applications and financial transactions
Processing transactions and payments
Responding to inquiries and service requests
Communicating with you about your inquiries, applications, appointments, and services
Providing promotional communications when you have provided the appropriate consent
Enhancing website functionality and user experience
Maintaining security and preventing fraud
Fulfilling legal and regulatory requirements
Maintaining records of your communication preferences and consent

4. SMS Messaging and Compliance

Text Message Program Terms and Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including customer support, requested communications, appointment reminders, and important updates.

Opt-In and Consent

You will receive SMS messages only after you have provided the applicable consent.
We maintain records of SMS opt-in actions and consent.
We comply with the Telephone Consumer Protection Act (TCPA) and other applicable laws and regulations.

Opt-Out Instructions

You may cancel SMS notifications at any time by replying STOP.
You will receive a confirmation of your opt-out.
No further SMS messages will be sent unless you subsequently opt in again.
Opt-out requests are processed promptly.

Message Frequency and Content

Message frequency varies depending on your interactions with Team Hochberg.
Messages will relate to services, inquiries, or communications you have requested.
Promotional SMS content will not be sent without the applicable consent.

Help and Support

Reply HELP for assistance or contact us at david@56david.com.

Customer support is available during regular business hours.

Carrier Information

Standard message and data rates may apply.
Wireless carriers are not liable for delayed or undelivered messages.
Service availability depends upon your wireless carrier and service plan.

SMS Data Protection

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be provided to subcontractors or service providers when necessary to provide supporting services, such as customer service or SMS message delivery.

All other information-sharing categories described in this policy exclude text messaging originator opt-in data and consent. Such information will not be shared with third parties except aggregators and providers necessary to deliver the text messaging services.

We implement reasonable data protection measures to safeguard SMS opt-in information and consent records.

5. Sharing Information With Service Providers

We may share personal information about you, as required or permitted by law, with third-party service providers that assist in the administration, processing, servicing, and sale of loans or otherwise assist us in providing services to you.

These providers may include:

Title companies
Appraisers
Insurance companies
Underwriting services
Loan processing services
Payment processors
Appointment scheduling providers
Printing companies
Software providers
Marketing service providers
Purchasers of loans
SMS aggregators and providers solely as necessary to deliver messages you have consented to receive

Our policy is to require necessary third-party service providers to protect personal information and use it only for the purposes for which they were retained or as otherwise permitted or required by law.

Text messaging originator opt-in data and consent are excluded from these information-sharing categories except when provided to aggregators and service providers as necessary to deliver the text messaging services you requested. Such information may not be used for third-party or affiliate marketing or promotional purposes.

Atlantic Coast Mortgage may also disclose information when necessary or required in legal or arbitration proceedings, to government agencies, in response to valid law enforcement requests or court orders, or as otherwise required by law.

6. Sharing Information With Non-Affiliates

Atlantic Coast Mortgage may share limited and relevant personal information with non-affiliated financial service providers when you have provided explicit consent or direction and when otherwise permitted by applicable law.

Information shared may include:

Your name
Subject property information
Transaction details such as estimated closing date, loan status, and loan amount
Contact information

Consent you provide for such sharing remains in effect until revoked or until your application is consummated or canceled, as applicable.

Atlantic Coast Mortgage will maintain records of applicable consent to disclose your personal information. You may request a copy of such consent records.

This section does not authorize the sharing of text messaging originator opt-in data or SMS consent records. Those records remain subject to the restrictions described in the SMS provisions of this Privacy Policy.

7. Safeguarding Personal Information

We maintain reasonable physical, electronic, and procedural safeguards designed to protect personal information from unauthorized use, access, or disclosure.

These measures may include:

Procedures controlling access to customer files
Physical security measures
Passwords and authentication controls
Firewalls and other information technology security measures
Encryption of sensitive information where appropriate
Security monitoring and malware protection
Secure backup and disaster recovery systems
Periodic security assessments and updates
Employee training regarding data protection
Breach response and notification procedures as required by applicable law

Our policy is to permit employees to access personal information only when they have a legitimate business purpose for doing so, such as administering, providing, processing, or developing our products or services.

We continue to assess available security technologies and upgrade our physical and electronic safeguards as appropriate.

Despite these measures, no method of Internet transmission or electronic storage can be guaranteed to be 100% secure. We use commercially reasonable measures to protect personal information but cannot guarantee absolute security.

8. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

Analyze website traffic and user behavior
Remember user preferences
Improve website functionality and user experience
Measure the effectiveness of our services

You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

9. Can We Contact You?

Our website may allow you to provide your phone number or email address so that our licensed professionals can contact you regarding your inquiry and financial products or services that may be relevant to your request.

When applicable, disclosures accompanying forms explain how the information you provide may be used and what communications you are consenting to receive.

Providing a telephone number for one purpose does not constitute consent to receive unrelated promotional SMS messages. SMS communications are governed by the specific consent provided when you opt into text messaging.

If you do not wish to receive a particular type of communication, do not provide consent for that communication or use the applicable opt-out method described below.

10. Your Rights and Choices

Depending on applicable law, you may have the right to:

Access or update certain personal information
Request deletion of certain personal information when applicable
Request information about how we process your data
Opt out of marketing emails by using the unsubscribe link contained in those messages
Opt out of SMS messages by replying STOP
Withdraw consent for future communications
Request a copy of applicable consent records
Exercise other privacy rights provided under applicable law

To exercise applicable privacy rights or change your communication preferences, contact us using the information below.

11. To Limit Our Sharing or No Longer Be Contacted

While we do not share non-public information except as permitted by law and described in this Privacy Policy, you may contact us at (855) 563-2843 regarding your privacy preferences.

To stop SMS messages, reply STOP to a text message from Team Hochberg.

To unsubscribe from marketing email communications, use the unsubscribe link provided in the applicable email.

12. Third-Party Links

Our website may contain links to third-party websites. Team Hochberg and Atlantic Coast Mortgage are not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of websites you visit. This Privacy Policy applies only to information collected or processed as described in this policy.

13. Business Transfers and Legal Requirements

Information may be transferred or disclosed in connection with a merger, acquisition, sale of assets, reorganization, or similar business transaction, subject to applicable legal requirements and protections.

We may also disclose information when required by law, legal process, court order, regulatory requirement, or valid governmental request, or when reasonably necessary to protect our rights, property, customers, or others.

These provisions do not authorize the use or disclosure of SMS opt-in data or consent records for third-party or affiliate marketing or promotional purposes.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, practices, technology, or legal and regulatory requirements.

The current version will be made available on our website and will identify its effective date. When appropriate, significant changes may also be communicated by email or through a notice on our website.

15. Contact Us

If you have questions about this Privacy Policy, your communication preferences, or how your information is handled, contact:

Team Hochberg at Atlantic Coast Mortgage
Phone: 855-563-2843
Email: david@56david.com
Website: 56david.com

By using our website and services, you acknowledge this Privacy Policy and the practices described above.