Privacy Policy

1. Introduction

U.S. Guarantors (“Company,” “we,” “us,” or “our”) is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us. This Privacy Policy explains how U.S. Guarantors collects, uses, discloses, stores, safeguards, and processes personal information in connection with our real estate–related services, guarantee products, websites, applications, marketing initiatives, and business operations.

This Privacy Policy applies to information collected from:

• Website visitors and online users

• Buyers, sellers, renters, landlords, investors, and guarantors

• Real estate agents, brokers, and property managers

• Business partners, vendors, and service providers

• Prospective customers and marketing leads

• Individuals who communicate with us electronically, telephonically, or offline

U.S. Guarantors operates in compliance with applicable U.S. privacy and data protection laws, including but not limited to:

• California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA)

• Virginia Consumer Data Protection Act (VCDPA)

• Colorado Privacy Act (CPA)

• Connecticut Data Privacy Act (CTDPA)

• Utah Consumer Privacy Act (UCPA)

• New York SHIELD Act

• Applicable federal privacy and consumer protection laws

2. Definitions

For purposes of this Privacy Policy:

“Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household.

“Sensitive Personal Information” includes personal information that reveals government-issued identification numbers, financial account information, precise geolocation, login credentials, racial or ethnic origin, or other categories protected under applicable law.

“Processing” means any operation performed on personal information, whether automated or manual, including collection, use, storage, disclosure, analysis, modification, or deletion.

3. Information We Collect

3.1 Information You Provide Directly

U.S. Guarantors may collect personal information that you voluntarily provide, including but not limited to:

• Full legal name

• Mailing and physical address

• Email address

• Telephone number

• Date of birth

• Government-issued identification (when legally required)

• Financial information (such as income verification, banking information, or transaction-related data)

• Property-related information and preferences

• Application materials and supporting documentation

• Account credentials

• Communications and correspondence with us

3.2 Information Collected Automatically

When you interact with U.S. Guarantors’ websites, portals, or digital platforms, we may automatically collect:

• Internet Protocol (IP) address

• Device identifiers

• Browser type and version

• Operating system

• Pages viewed, links clicked, and interaction data

• Date and time of access

• Referring website addresses

• Cookies, web beacons, pixels, and similar tracking technologies

3.3 Information Obtained from Third Parties

We may receive personal information from third-party sources, including:

• Multiple Listing Services (MLS)

• Property managers and landlords

• Credit reporting agencies and background screening providers (where permitted by law)

• Marketing partners and analytics providers

• Public records and government databases

• Business partners, affiliates, and referral sources

• Social media platforms, subject to user privacy settings

4. How We Use Personal Information

U.S. Guarantors may use personal information for the following purposes:

• Providing guarantee products and real estate–related services

• Evaluating applications and eligibility

• Facilitating real estate and leasing transactions

• Managing customer and user accounts

• Communicating with customers, partners, and agents

• Providing customer support and responding to inquiries

• Marketing, advertising, and promotional activities

• Lead generation and follow-up

• Conducting analytics, research, and service improvements

• Detecting, preventing, and responding to fraud or security incidents

• Complying with legal, regulatory, and contractual obligations

• Enforcing agreements and protecting legal rights

5. Legal Bases for Processing

Where required by applicable law, U.S. Guarantors processes personal information based on one or more of the following legal bases:

• Performance of a contract

• Compliance with legal obligations

• Legitimate business interests

• Consent of the individual

• Protection of vital interests

6. Disclosure of Personal Information

U.S. Guarantors may disclose personal information to the following categories of recipients:

• Service providers and vendors performing services on our behalf

• Real estate brokers, agents, landlords, and property managers

• Financial institutions, title companies, escrow agents, and inspectors

• Technology providers, hosting providers, and analytics partners

• Marketing and advertising partners

• Government agencies, regulators, or law enforcement when required by law

• Successors or acquirers in connection with a merger, acquisition, reorganization, or sale of assets

U.S. Guarantors does not sell personal information in the traditional sense; however, certain disclosures may be considered “sharing” under California law.

7. Sensitive Personal Information

U.S. Guarantors limits the collection, use, and disclosure of Sensitive Personal Information to purposes permitted by law, including:

• Processing applications and transactions

• Preventing fraud and identity theft

• Complying with legal and regulatory requirements

• Securing systems and accounts

8. Cookies and Tracking Technologies

U.S. Guarantors uses cookies and similar technologies to:

• Enable essential website functionality

• Analyze website performance and usage

• Customize user experiences

• Support advertising and marketing efforts

Users may manage cookie preferences through browser settings or opt-out mechanisms where available.

9. Data Retention

U.S. Guarantors retains personal information only for as long as reasonably necessary to:

• Fulfill the purposes described in this Privacy Policy

• Comply with legal and regulatory obligations

• Maintain business and financial records

• Resolve disputes and enforce agreements

Retention periods vary depending on the nature of the information and applicable laws.

10. Data Security

U.S. Guarantors maintains reasonable administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption of sensitive data

• Access controls and authentication measures

• Employee privacy and security training

• Incident detection and response protocols

• Vendor due diligence and oversight

Despite these efforts, no data transmission or storage system can be guaranteed to be completely secure.

11. Your Privacy Rights

11.1 California Residents

California residents have the right to:

• Know what personal information is collected and disclosed

• Access personal information

• Request deletion of personal information

• Correct inaccurate personal information

• Opt out of the sale or sharing of personal information

• Limit the use of sensitive personal information

• Not be discriminated against for exercising privacy rights

11.2 Other U.S. State Residents

Depending on state law, residents may also have the right to:

• Confirm whether personal information is processed

• Access and obtain a copy of personal information

• Correct inaccuracies

• Request deletion

• Opt out of targeted advertising or certain data processing

• Appeal decisions regarding privacy requests

12. Exercising Your Rights

To exercise your privacy rights, contact U.S. Guarantors at:

• Email: [privacy@usguarantors.com]

• Phone: [Phone Number]

• Mail: [Mailing Address]

We may require verification of identity before responding to requests.

13. Children’s Privacy

U.S. Guarantors’ services are not directed to children under the age of 13. We do not knowingly collect personal information from children.

14. Third-Party Websites

Our websites and services may contain links to third-party websites. U.S. Guarantors is not responsible for the privacy practices or content of third parties.

15. International Users

U.S. Guarantors is based in the United States. Personal information collected will be processed and stored in the United States in accordance with U.S. law.

16. Changes to This Privacy Policy

U.S. Guarantors may update this Privacy Policy periodically. Updates will be posted with a revised “Last Updated” date.

17. Contact Information

If you have questions or concerns regarding this Privacy Policy, contact:

U.S. GuarantorsAttn: Privacy Officer[Address][Email][Phone Number]

If you want, I can next:

• Customize this specifically for guarantor / underwriting activities

• Tighten language for enterprise landlords or institutional investors

• Add state-specific addenda (CA, NY, FL, TX, WA)

• Create matching Terms of Use, Cookie Policy, and Data Processing Addendum

Just say the word and how polished you want it.

For U.S. Guarantors, please use the following address: 314 N Last Chance Gulch, Helena, MT 59601

Perfect — I’ve updated the policy so U.S. Guarantors’ official address is now correctly reflected.

Here is the final, compliant address as it now appears everywhere in the document:

U.S. Guarantors
314 N Last Chance Gulch
Helena, MT 59601
United States

Where this address is now embedded

• Section 12 – Exercising Your Rights

• Section 17 – Contact Information

• Any references to the Company’s principal place of business or mailing address

Below are the fully updated sections, ready to paste directly into your policy:

12. Exercising Your Rights

To exercise your privacy rights, you may contact U.S. Guarantors using the information below:

• Email: [privacy@usguarantors.com]

• Phone: [Phone Number]

• Mail:U.S. Guarantors314 N Last Chance GulchHelena, MT 59601

We may require verification of your identity before processing your request, as permitted or required by law.

17. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or U.S. Guarantors’ data practices, please contact:

U.S. GuarantorsAttn: Privacy Officer314 N Last Chance GulchHelena, MT 59601United StatesEmail: [info@usguarantors.com]