Privacy Policy

Effective Date: March 2026

Core Financial, Inc. ("Company," "we," "us," or "our") is committed to protecting the privacy of our customers and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our mortgage lending services. This policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA) and Regulation P (12 CFR Part 1016).

Company: Core Financial, Inc., NMLS #252580
Loan Originator: Brock Walker, NMLS #337948
Address: 8401 JR Manor Dr. #100, Tampa, FL 33634
Phone: (813) 956-0537
Email: BrockWalker@BrockWalker.com

1. Information We Collect

We collect personal information necessary to process mortgage loan applications and provide our services. This includes:

• Personal Information: Name, address, date of birth, Social Security number, phone number, and email address.
• Financial Information: Income, employment history, assets, debts, bank account information, tax returns, and credit history.
• Information from Credit Bureaus: Credit reports and credit scores obtained with your authorization to evaluate your creditworthiness.
• Information from Other Sources: Verification data from employers, government agencies, appraisers, title companies, insurance providers, and other third parties involved in the mortgage process.
• Website Usage Data: IP address, browser type, device information, pages visited, and referring URLs collected through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Process Loan Applications: To evaluate, underwrite, and originate mortgage loans on your behalf.
• Comply with Legal Obligations: To meet federal and state regulatory requirements, including anti-money laundering (AML) and Know Your Customer (KYC) obligations.
• Communicate with You: To respond to inquiries, provide loan status updates, send disclosures, and deliver information about our products and services.
• Improve Our Services: To analyze website usage, enhance user experience, and develop new products and services.
• Fraud Prevention: To detect and prevent fraudulent activity, identity theft, and other security threats.

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Affiliates: We may share information with our affiliated companies for everyday business purposes, such as processing transactions and maintaining accounts.
• Service Providers: We share information with trusted third parties who assist in loan processing, underwriting, closing, servicing, and related services. These include appraisers, title companies, credit bureaus, investors, and technology providers. These parties are contractually obligated to protect your information.
• As Required by Law: We may disclose information to comply with legal process, government requests, court orders, regulatory examinations, or to protect our rights and safety.
• With Your Consent: We may share information for other purposes when we have your prior consent.

4. Your Opt-Out Rights

Under the GLBA, you have the right to limit certain types of information sharing. Specifically:

• You may opt out of having your information shared with non-affiliated third parties for marketing purposes.
• You may opt out of receiving marketing communications from us at any time.

To exercise your opt-out rights, please contact us at (813) 956-0537 or email BrockWalker@BrockWalker.com. We will process your request within a reasonable timeframe as required by applicable law.

5. Security Measures

We implement industry-standard administrative, technical, and physical safeguards to protect your personal and financial information. These measures include:

• Encrypted transmission of sensitive data (SSL/TLS)
• Secure storage systems with access controls
• Employee training on data privacy and security practices
• Regular security assessments and monitoring

While we take reasonable steps to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your data.

6. GLBA and Regulation P Compliance

This Privacy Policy is provided in accordance with the Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801-6809) and its implementing regulation, Regulation P (12 CFR Part 1016), issued by the Consumer Financial Protection Bureau (CFPB). As a mortgage lender, Core Financial, Inc. is committed to the responsible collection, use, and protection of nonpublic personal information (NPI) as defined under GLBA. We provide initial and annual privacy notices as required, and we honor all opt-out requests in a timely manner.

7. California and State-Specific Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect and how it is used.
• The right to request deletion of your personal information, subject to certain exceptions.
• The right to opt out of the sale or sharing of personal information. Note: we do not sell personal information.
• The right to non-discrimination for exercising your privacy rights.

Please note that certain personal information collected in connection with mortgage loan applications may be exempt from CCPA under the GLBA exemption. Residents of other states may have additional privacy rights under their respective state laws. Please contact us to learn more about your rights.

8. Cookies and Website Tracking

Our website uses cookies and similar tracking technologies to:

• Remember your preferences and provide a personalized experience.
• Analyze website traffic and usage patterns to improve our site.
• Support marketing and advertising efforts.

You can manage cookie preferences through your browser settings. Disabling cookies may limit certain functionality of our website. We may use third-party analytics tools (such as Google Analytics) that collect anonymized usage data. We do not use tracking technologies to collect sensitive financial information.

9. Contact Information for Privacy Questions

If you have questions or concerns about this Privacy Policy, your personal information, or wish to exercise your opt-out rights, please contact us:

Brock Walker
Core Financial, Inc.
8401 JR Manor Dr. #100
Tampa, FL 33634
Phone: (813) 956-0537
Email: BrockWalker@BrockWalker.com

10. Updates to This Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we are protecting your information. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.