Summary: Valzir LLC collects information you provide when applying for a mortgage, using our website, or contacting us. We use this information to process your loan application, comply with federal and state law, and improve our services. We do not sell your personal information to third parties for marketing purposes.
1. Who We Are
Valzir LLC ("Valzir," "we," "our," or "us") is a licensed mortgage company operating under NMLS #2876198. We are licensed by the Illinois Department of Financial and Professional Regulation (IDFPR) and in multiple other states. Our principal contact is:
Valzir LLC
Phone: (815) 499-5111
Email: info@valzir.com
Website: www.valzir.com
NMLS #2876198
2. Information We Collect
We collect the following categories of personal information:
- Identity Information: Full name, date of birth, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), government-issued ID
- Contact Information: Address, phone number, email address
- Financial Information: Income, employment history, assets, debts, credit history, bank statements, tax returns
- Property Information: Property address, purchase price, intended use
- Technical Information: IP address, browser type, pages visited, cookies (when you use our website)
- Communications: Records of calls, emails, and messages with our team
3. How We Use Your Information
We use your personal information for the following purposes:
- To process and evaluate your mortgage loan application
- To verify your identity and prevent fraud
- To comply with federal and state laws and regulations (including RESPA, TILA, ECOA, HMDA, BSA/AML)
- To communicate with you about your loan application and services
- To improve our website and services
- To send you information about mortgage products and services (with your consent)
- To service your loan after closing (if applicable)
4. Legal Basis for Processing (GLBA)
As a financial institution, we are governed by the Gramm-Leach-Bliley Act (GLBA). We collect and share your nonpublic personal information as permitted or required by law, including to process your loan, comply with legal obligations, and prevent fraud. You have the right to opt out of certain information sharing — see Section 7 below.
5. How We Share Your Information
We may share your personal information with:
- Wholesale Lenders and Investors: To process and fund your mortgage loan
- Credit Bureaus: Equifax, Experian, TransUnion — to obtain your credit report
- Government Agencies: FHA, VA, USDA, Fannie Mae, Freddie Mac — as required for loan programs
- Service Providers: Appraisers, title companies, attorneys, and other settlement service providers
- Regulators: IDFPR, CFPB, HUD, and other regulatory bodies as required by law
- NMLS: As required for licensing and regulatory purposes
We do not sell your personal information to third parties for marketing purposes.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to:
- Remember your preferences
- Analyze website traffic and usage patterns
- Improve website functionality
You may disable cookies in your browser settings, but this may affect your experience on our website. We do not use tracking technologies for targeted advertising without your consent.
7. Your Privacy Rights
Depending on your state of residence, you may have the following rights:
- Right to Know: Request information about the personal data we collect and how it is used
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correct: Request correction of inaccurate personal information
- Right to Delete: Request deletion of your personal information (subject to legal retention requirements)
- Right to Opt Out: Opt out of certain data sharing for marketing purposes
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
Illinois residents have additional rights under the Illinois Personal Information Protection Act (PIPA) and other state laws. To exercise your rights, contact us at info@valzir.com or (815) 499-5111.
8. Fair Lending Policy
Valzir LLC is committed to fair lending. We comply with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), the Home Mortgage Disclosure Act (HMDA), and all applicable fair lending laws. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, familial status, disability, or any other protected class.
9. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is 100% secure. We encourage you to contact us directly to transmit sensitive financial information.
10. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations (typically 7 years for mortgage records under federal law), resolve disputes, and enforce our agreements.
11. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will post the updated policy on this page with a new effective date. Your continued use of our website after any changes constitutes your acceptance of the updated policy.
13. Contact Us
For privacy-related questions, to exercise your rights, or to file a complaint:
- Email: info@valzir.com
- Phone: (815) 499-5111
- Mail: Valzir LLC, Attention: Privacy Officer, Illinois
You may also file a complaint with the CFPB at consumerfinance.gov/complaint or the IDFPR at idfpr.com.