Privacy Policy
Introduction
United American Financial, LLC, doing business as UA Financial ("UA Financial," "we," "us," or "our"), is committed to protecting the privacy of individuals who visit our website, submit inquiries, or engage with our mortgage brokerage services. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and your rights with respect to that information.
By accessing this website or submitting any form or inquiry, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with the practices described herein, please do not submit personal information through this website.
Information We Collect
We collect information in the following ways:
Information You Provide Directly
When you complete a contact form, inquiry form, pre-qualification request, loan application, or booking on this website, or when you communicate with us by phone, email, SMS, or WhatsApp, we may collect:
• Full name
• Email address and phone number
• Mailing address and property address
• Loan type, purpose, and requested loan amount
• Property type, estimated value, and intended use
• Employment status, income information, and asset details
• Date of birth and Social Security Number (when required for application processing)
• Credit authorization and related financial disclosures
• Any additional information you voluntarily provide during the loan consultation or application process
Information Collected Automatically
When you visit our website, certain information is collected automatically through cookies, pixels, and similar tracking technologies, including:
• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and navigation paths
• Referring URLs and traffic source data
• Interactions with forms, buttons, and chat features
Please refer to our Cookie Notice for detailed information about the specific technologies we use.
Information Collected Through Third-Party Tools
This website uses third-party analytics, advertising, and communication tools that may independently collect data about your visit. These include, without limitation, Google Analytics, Google Ads, the Meta (Facebook) Pixel, LinkedIn Insight Tag, and TikTok Pixel. These platforms operate under their own privacy policies, which we encourage you to review.
This website is hosted on the Wix platform, which may collect technical and operational data as part of its hosting services. Wix's privacy practices are governed by its own privacy policy.
We also use scheduling and live chat tools integrated into this website to facilitate appointment booking and real-time communication. These tools may collect your name, contact information, and conversation content.
How We Use Your Information
We use the information we collect for the following purposes:
• To respond to your inquiries and communicate regarding mortgage products and services
• To process loan applications and pre-qualification requests
• To facilitate the loan origination process, including submission to lenders and third-party service providers
• To schedule consultations and follow up on pending applications
• To send transactional communications, including appointment confirmations, application status updates, and document requests
• To send marketing and promotional communications, where you have provided your consent
• To comply with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and applicable Florida statutes
• To improve our website functionality, user experience, and marketing effectiveness through analytics
• To detect, prevent, and address fraud, security incidents, and unauthorized access
• To fulfill any other purpose for which you provide information
How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
Service Providers
We share your information with third-party vendors and service providers who perform functions on our behalf, including but not limited to: loan origination system providers, document management and electronic signature platforms, customer relationship management tools, communication platforms (email, SMS, and messaging services), website analytics providers, and advertising platforms. These service providers are contractually obligated to use your information only as necessary to provide services to us and in a manner consistent with this Privacy Policy.
Wholesale and Institutional Lenders
As a mortgage broker, we submit loan applications and related financial information to wholesale lenders and financial institutions on your behalf for the purpose of obtaining loan approvals. By initiating a loan application through us, you authorize the submission of your information to such lenders as necessary to facilitate the transaction.
Affiliated Business
UA Financial has a common ownership relationship with X Realty Partners LLC, a licensed real estate company. If you are referred to or from X Realty Partners LLC, your contact information and relevant transaction details may be shared between the two companies. Please refer to the Affiliated Business Arrangement Disclosure in this document for complete details. You are under no obligation to use the services of X Realty Partners LLC.
Legal and Regulatory Requirements
We may disclose your information when required by law, regulation, court order, or governmental authority, or when we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others.
Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal and regulatory obligations, and to resolve disputes and enforce our agreements. Mortgage-related records, client files, loan application data, and communication logs are retained for a minimum period of five (5) years from the date of the transaction, inquiry, or last communication, in accordance with applicable federal and Florida state recordkeeping requirements. Certain records may be retained for longer periods as required by law or regulation.
Security of Your Information
We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.
If you believe your information has been compromised, please contact us immediately at info@uafins.com.
Children's Privacy
This website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a person under 18 without verified parental consent, we will take steps to delete such information promptly.
Links to Third-Party Websites
This website may contain links to third-party websites, resources, and tools not operated by UA Financial. We are not responsible for the privacy practices or content of such third-party sites. We encourage you to review the privacy policies of any website you visit.
Your Rights and Choices
You may have certain rights with respect to your personal information, including the right to request access to, correction of, or deletion of your data, subject to applicable legal limitations and our regulatory retention obligations. To exercise these rights or to ask questions about your personal information, please contact us at:
UA Financial — Privacy Inquiries
3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134
Email: info@uafins.com
Phone: 305-833-4254
We will respond to verifiable requests within a reasonable time and in accordance with applicable law.
Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of this website after any changes constitutes your acceptance of the revised Privacy Policy. We encourage you to review this page periodically.