Privacy Policy

1. Introduction

Welcome to Dream Team Mortgage Corp. ("Company," "we," "us," "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice or our practices with regards to your personal information, please contact us at prapproval@dreamteam.mortgage.

When you visit our website https://dreamteam.mortgage/ (the "Website") and use our services (the "Services," which include the Website), you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important.

2. What Information Do We Collect?

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Website (such as by filling out a "Contact Us" form or booking an appointment online), or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the Website. The personal information we collect may include the following:

Personal Information Provided by You. We collect names; phone numbers; email addresses; mailing addresses; and other similar information necessary to process your mortgage inquiry or application. This may also include financial information you choose to provide to us for the purpose of obtaining a mortgage pre-approval or loan.
Sensitive Personal Information. In the context of a mortgage application, we may need to collect sensitive information, such as your Social Security Number (SSN), financial account details, and credit history. This information is collected strictly for the purpose of providing our mortgage brokerage services and is handled with the highest standards of security and confidentiality.

3. How Do We Use Your Information?

We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations.

To provide and facilitate the delivery of services. To evaluate your eligibility for a mortgage, process your application, and communicate with you about your loan inquiry or application.
To respond to user inquiries/offer support to users. To respond to your contact requests and provide customer support.
To send administrative information to you. We may use your personal information to send you product, service, and new feature information and/or information about changes to our terms, conditions, and policies.
To fulfill and manage your orders. For example, if you book an appointment online, we will use your information to confirm and manage that booking.
To deliver targeted advertising. We may use your information to develop and display personalized content and advertising tailored to your interests and location.
For other business purposes. Such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and to evaluate and improve our Website, products, marketing, and your experience.

4. Will Your Information Be Shared With Anyone?

We may process or share your data that we hold based on the following legal basis:

Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
Performance of a Contract: Where we have entered into a contract with you (e.g., a mortgage broker agreement), we may process your personal information to fulfill the terms of our contract.
Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests, such as providing you with our services.
Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena.
Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, and illegal activities.

SMS Data Exclusion:
No mobile information (including opt-in data) is shared with third parties/affiliates for marketing. This data is only shared with our SMS service providers as necessary to deliver the messages you request.

5. Cookies and Other Tracking Technologies

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. We use Google Services, including reCAPTCHA, on our Website, which is subject to Google's Privacy Policy and Terms of Service.

Essential Cookies: These are necessary for the Website to function and cannot be switched off.
Performance and Functionality Cookies: These allow us to count visits and traffic sources so we can measure and improve the performance of our site.
Targeting Cookies: These may be set through our site by our advertising partners to build a profile of your interests and show you relevant ads on other sites.

You can choose to set your browser to refuse all or some browser cookies. If you disable or refuse cookies, please note that some parts of this Website may become inaccessible or not function properly.

6. How Long Do We Keep Your Information?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements, including those related to mortgage lending).

7. How Do We Keep Your Information Safe?

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk.

8. Do We Collect Information from Minors?

We do not knowingly solicit data from or market to children under 18 years of age. By using the Website, you represent that you are at least 18.

9. What Are Your Privacy Rights?

You have the right to review, change, or terminate your account at any time. You can also request access to, correction of, or deletion of your personal information by contacting us using the contact information provided below.

10. Controls for Do-Not-Track Features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. Our Website does not currently respond to DNT browser signals or mechanisms.

11. Do California Residents Have Specific Privacy Rights?

If you are a resident of California, you are granted specific rights regarding access to your personal information under the California Consumer Privacy Act (CCPA). SMS opt-in data is excluded from data sharing/selling practices.

12. Do We Make Updates to This Policy?

We may update this privacy policy from time to time. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

13. How Can You Contact Us About This Policy?

If you have questions or comments about this policy, you may email us at prapproval@dreamteam.mortgage or by post to:

Dream Team Mortgage Corp.
NMLS ID: 1993050
19 Del Prado Boulevard North STE 2
Cape Coral, Florida 33909
United States

14. SMS/Text Messaging Compliance

Program Name: Dream Team Mortgage Corp. SMS Program
Description: By opting in, you agree to receive automated SMS messages from us, which may include appointment reminders, loan status updates, and responses to your inquiries. Message frequency varies.
No Marketing Sharing: We do not share SMS opt-in data, phone numbers, or consent with third parties/affiliates for their marketing purposes.
Service Providers: SMS data is shared only with SMS aggregators and telecom providers required to deliver messages.
Opt-Out: You can cancel the SMS service at any time. Text STOP to [786-301-7443] to unsubscribe. You will receive a confirmation SMS.
Help: For assistance, text HELP to [786-301-7443] or contact us at prapproval@dreamteam.mortgage.
Carrier Liability: Carriers are not liable for delayed or undelivered messages.
Message Rates: Message and data rates may apply. Contact your carrier for details.
Consent: By opting in, you agree to receive automated SMS messages. Consent is not a condition of purchasing any property, goods, or services.