Privacy Policy

We understand the importance of protecting your online
privacy, specifically when conducting business. As such, JV Mortgage (the
“Company”) is committed to respecting your privacy. Our Privacy Policy pertains
to users of our Site (“Visitors,” “you” or “your”) who visit without
transacting business and Visitors who register to transact business on the Site
(“Authorized Customers”) and make use of the various services offered by the
Company (collectively, “Services”).

By accessing or using the Site (as defined hereinafter), you
are entering into a binding legal agreement with the Company; the website,
located at jvmortgage.com (the “Site”); and the third-party service
vendors who use the Site and their parent companies, subsidiaries, and
affiliates (the “Company,” “us,” “we,” and “our”) relating to terms and
conditions of privacy (“Privacy Policy”). This Privacy Policy is in effect for
any web page; mobile application; e-mail list; and information, including Personally
Identifiable Information, collected/owned by us, regardless of the method of
collection, including collection through any online features, services, and/or
programs we offer. This Privacy Policy is not applicable to your use of any
third-party web page, mobile application, social media site, or any information
collected or owned by any entity other than us.

This Privacy Policy is incorporated by reference in our
Terms of Service, and by using the Site or the Services and/or submitting your
information to search or create a user profile, you give express consent to all
of the terms contained herein, as well as those provided in our Terms of
Service, and such use and actions constitute your electronic signature. You may
withdraw this consent by using the opt-out procedures described below.

COMMUNICATIONS

EXPRESS WRITTEN CONSENT. BY SUBMITTING YOUR
CONTACT INFORMATION, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT TO
RECEIVE COMMUNICATIONS FROM US AT THE E-MAIL ADDRESS AND TELEPHONE NUMBERS YOU
ENTERED INTO OUR CONTACT FORM, OR THAT YOU LATER PROVIDE TO US OR ENTER INTO
YOUR CONTACT PAGE. YOUR CONSENT ALSO SERVES AS YOUR EXPRESS WRITTEN CONSENT TO
YOUR PAST RECEIPT OF ELECTRONIC COMMUNICATIONS FROM US. YOU FURTHER REPRESENT
AND WARRANT THAT: (I) YOU ARE AT LEAST 18 YEARS OLD; (II) YOU LIVE IN THE
UNITED STATES (OR CANADA, IN SUCH CASE, THE CANADIAN CONSENTS BELOW SHALL
APPLY); (III) YOU HAVE NOT REGISTERED ON A NATIONAL OR STATEWIDE DO-NOT-CALL
LIST, OR OTHERWISE GRANT THE COMPANY A WAIVER TO SUCH REGISTRATION FOR THE USE
HEREOF; (IV) YOU ARE THE ACCOUNT HOLDER OF, OR HAVE THE REQUIRED CONSENT TO
PROVIDE THE PHONE NUMBERS AND E-MAIL ADDRESSES PROVIDED; (V) THE PHONE NUMBERS
AND E-MAIL ADDRESSES PROVIDED ARE ACCURATE, AND YOU WILL PROVIDE US NOTICE IF
YOU RELEASE EITHER SUCH ACCOUNT TO ANOTHER.

COMMUNICATIONS INCLUDE. THESE COMMUNICATIONS MAY
INCLUDE, WITHOUT LIMITATION, TELEMARKETING MESSAGES, THROUGH THE USE OF E-MAIL,
LANDLINE PHONE, FAX, CELLULAR PHONE, TEXT MESSAGES (INCLUDING SMS AND MMS), AND
NOTIFICATIONS THROUGH ANY APP THAT WE PRODUCE.

AUTODIALING. WE MAY USE AN AUTOMATIC TELEPHONE
DIALING SYSTEM (OR “AUTO-DIALER”), WHICH MAY EMPLOY AN ARTIFICIAL OR
PRE-RECORDED VOICE OR “ROBOTEXTS.” YOUR CARRIER’S STANDARD RATES AND CHARGES
MAY APPLY.

NO PURCHASE NECESSARY. AGREEING TO THESE
COMMUNICATIONS IS NOT A CONDITION OF PURCHASING ANY PROPERTY, GOODS, OR
SERVICES FROM US.

REVOKING CONSENT AND OPTING OUT. YOU MAY REVOKE
YOUR CONSENT TO RECEIVE CERTAIN COMMUNICATIONS AT ANY TIME. TO STOP RECEIVING
TEXT MESSAGES, REPLY “STOP” TO ANY OF OUR TEXTS. TO STOP RECEIVING E-MAILS,
CLICK THE “UNSUBSCRIBE” LINK WHEN PROVIDED, OR REPLY “UNSUBSCRIBE” TO THE E-MAIL
WHEN AN AUTOMATED UNSUBSCRIBE LINK IS NOT AVAILABLE. TO STOP RECEIVING PHONE
CALLS, COMMUNICATE THAT REQUEST TO US VIA PHONE, TEXT MESSAGE, OR E-MAIL. WE
WILL MAKE A COMMERCIALLY REASONABLE EFFORT TO COMPLY WITH ANY COMMUNICATIONS
FROM YOU OPTING OUT. BY CONTACTING US TO OPT OUT OF A CERTAIN COMMUNICATION,
YOU CONSENT TO RECEIVE A FINAL COMMUNICATION CONFIRMING YOUR OPT-OUT.

COMMUNICATION FREQUENCY. HOW OFTEN WE SEND YOU
COMMUNICATIONS WILL VARY BECAUSE THE INDIVIDUAL SALESPERSON WHO COMMUNICATES
WITH YOU WILL DETERMINE SUCH FREQUENCY.

COMMUNICATIONS PROVISIONS – CANADIAN RESIDENTS.
IN ADDITION TO THE CONSENT PROVIDED ABOVE, CANADIAN RESIDENTS AGREE TO THE
FOLLOWING COMPLIANCE PROVISIONS, WITH RESPECT TO CANADA’S ANTI-SPAM
LEGISLATION, CANADA’S PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS
ACT, AND CANADIAN PROVINCIAL LAW, INCLUDING ALBERTA’S PERSONAL INFORMATION
PROTECTION ACT AND QUEBEC’S ACT RESPECTING THE PROTECTION OF PERSONAL
INFORMATION IN THE PRIVATE SECTOR: (i) YOU AGREE TO THE PROVISIONS GOVERNING
USE AND DISCLOSURE OF PERSONAL INFORMATION THAT ARE FOUND IN THIS PRIVACY
POLICY; (ii) OUR COMMUNICATION WITH YOU SHALL CONTINUE UNTIL YOU OPT-OUT, WHICH
INDICATES YOU ARE NO LONGER CONSIDERING REAL ESTATE OPPORTUNITIES OR THE
SERVICES WE PROVIDE; AND (iii) YOUR PERSONAL INFORMATION MAY ALSO BE TRANSMITTED
TO, USED IN, AND STORED IN THE U.S.

COLLECTION OF PERSONAL INFORMATION

Information collected directly from you: We may collect
personal information directly from you, for example through a web form, during
an online or in-person registration, while making a reservation, while setting
up an account with us, when you contact us for customer support, or at an event
we attended. Personal information we collect directly from you may include first
and last name, address, email address, and phone number.

Information collected from your device: Our website may use
tracking technologies such as cookies, web beacons, pixels, and other similar
technologies to automatically collect certain information from your device,
including for example your IP address, browser and operating system
information, geographic location, referring website address, and other
information about how you interact with the website. Our website may also use
cookies to personalize your experience and enable certain features such as keeping
track of items you put in your shopping cart. You may disable cookies in your
web browser however parts of our website may not function properly. More
information about blocking and deleting cookies is available at
http://www.allaboutcookies.org. Our email campaigns may also use tracking
technologies such as web beacons, pixels and other similar technologies to
automatically collect certain information such as your IP address, browser type
and version, and email engagement statistics.

USE OF PERSONAL INFORMATION

We use information collected directly from you to provide
you with our products and services (such as quoting rates or determining loan
eligibility), customer service and support (such as assisting you with your
online application or account), and other relevant information. We may also use
this information to market our products and services to you, including by email
and text message subject to your consent.

We use information collected automatically from your device
to provide our website to you, to optimize our website, and to assist with our
advertising and marketing efforts.

DISCLOSURE OF PERSONAL INFORMATION

We will not share your information with third parties.

We may share your personal information if necessary to
comply with applicable laws and regulations, to respond to a subpoena, search
warrant or other lawful request for information we receive, or to otherwise
protect our rights.

EMAIL AND TEXT MESSAGE COMMUNICATIONS

If you wish to unsubscribe from our email campaigns, please
click on the Unsubscribe link at the bottom of any marketing email sent from
us.

If you wish to stop receiving text messages from us, reply
STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message sent from us.
For more information, see our Mobile Messaging Terms and Conditions available
at https://jvmortgage.com/privacy-policy/.

YOUR PRIVACY RIGHTS

You may have the right to request access to the personal
information we hold about you, to port it to a new service, or to request that
your personal information be corrected or deleted. To exercise any of these
rights, please contact us at [email protected].

California users’ rights

We provide the following disclosures pursuant to Cal. Bus.
& Prof. Code § 22575 – 22579.

We provide Visitors and Authorized Customers, including
those claiming California residency, with information on how to exercise their
respective disclosure options and choices pertaining to Personally Identifiable
Information, such as the right to opt-out or unsubscribe, or opt-in for use of
Personally Identifiable Information by third parties for marketing purposes.
Accordingly, pursuant to the California Civil Code, we are not required to
maintain or disclose a list of the third parties that have received Personally
Identifiable Information for marketing purposes during the preceding year.

California residents wishing to request information about
how to exercise their disclosure options and choices pertaining to third party
disclosures, please send requests by mail to “Request for California Disclosure
Choices” at the mailing address provided above. With all requests, please
include your name, street address, city, state, zip code and e-mail address. We
do not accept requests via telephone or fax. We are not responsible for failure
to respond to incomplete or incorrectly labeled or submitted notices.

We do not abide by Do Not Track signals from a user’s
Internet browser. We make no representations concerning third parties that do
not collect Personally Identifiable Information directly through our Site.

Links

The Site contains links to other web sites. Please note that
when you click on one of these links, you are moving to another web site. We
encourage you to read the privacy statements of these linked sites, as their
privacy policies may differ from ours.

Governing Law and Jurisdiction

By accessing or using the Service, you agree to be bound by
this Privacy Policy, which shall be governed by, and construed in accordance
with, the laws of the state of Michigan, exclusive of its choice of law rules.
For any Disputes deemed not subject to binding, individual arbitration, as
provided in the section immediately below, you and the Company agree to submit
to the exclusive jurisdiction of the state of Michigan, or, if federal court
jurisdiction exists, the United States District Court for the state of
Michigan. You and the Company agree to waive any jurisdictional, venue, or
inconvenient forum objections to such courts (without affecting either party’s
rights to remove a case to federal court if permissible), as well as any right
to a jury trial. The Convention on Contracts for the International Sale of
Goods will not apply. Any law or regulation which provides that the language of
a contract shall be construed against the drafter will not apply to this
Agreement. This Section will be interpreted as broadly as applicable law
permits.

CHANGES TO THE THIS PRIVACY POLICY

We may update this Privacy Policy at any time. Please review
it frequently.

CONTACT INFORMATION

If you have any questions about this policy or our privacy
practices, please contact us at [email protected].

Last updated: January 30, 2025