Privacy Policy

Effective Date: October 6, 2026
Website: https://x2mortgage.com
Entity: X2 Mortgage LLC ("Company", "we", "us", or "our")

1. Introduction & Overview

X2 Mortgage LLC respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://x2mortgage.com (the "Site"), interact with our advertising campaigns on social media and search engines, utilize our mortgage qualification tools (including the EZ Qualifier), or communicate with our loan officers via phone, text, or email.

GLBA vs. General Privacy: As a mortgage broker, information collected in connection with a formal mortgage application is governed by the federal Gramm-Leach-Bliley Act (GLBA) and federal financial privacy notices. Information collected through general website visits, lead generation forms, custom calculators, and digital advertising is governed by this Privacy Policy.

2. Information We Collect

We collect several types of information from and about users of our Site and digital services:

A. Information Provided Directly by You

• Contact Details: First and last name, email address, phone number, and physical property address/state.
• Mortgage & Financial Scenario Data: Annual gross business revenue, self-employment status, monthly debt obligations, estimated home purchase price, down payment amounts, and income structures submitted through qualification tools or chat widgets.
• Communications: Inquiry details, chat widget logs, contact preferences, and call recordings (when monitored or recorded for quality and compliance).

B. Information Collected Automatically via Digital Tracking (Cookies & Pixels)

When you navigate our Site or interact with our digital advertisements, we and our authorized third-party ad networks automatically collect technical data, including:

• Device & Usage Data: IP address, browser type, operating system, device identifiers, referring URLs, time stamps, and pages viewed.
• Advertising Identifiers: Unique cookie IDs, mobile advertising IDs (e.g., IDFA or AAID), and ad click parameters used to track ad attribution and campaign performance.

3. Social Media Advertising, Pixels & Advanced Matching

To deliver relevant mortgage information and measure the performance of our marketing campaigns, we utilize tracking technologies from third-party advertising platforms, including Meta (Facebook/Instagram), Google Ads, and TikTok.

A. Tracking Pixels and Conversion APIs

We use pixels and server-side tracking (e.g., Meta Pixel and Meta Conversions API) on our Site. These tools allow ad networks to:

• Recognize your browser or device when you visit our Site after clicking an ad.
• Measure the effectiveness of our advertising campaigns (conversion tracking).
• Deliver retargeted advertisements on social media platforms to users who have previously visited our Site.

B. Custom Audiences & Hashed Data Matching

We may participate in Facebook Custom Audiences or similar ad-matching programs offered by advertising platforms. Through these programs, contact information (such as your email address or phone number) provided via our forms may be converted into a secure, encrypted "hashed" string and matched against the ad platform's registered user accounts to deliver targeted rate or program updates. Unmatched hashes are immediately deleted by the platform.

C. How to Control Cookies & Opt Out of Targeted Advertising

You can manage or opt out of interest-based advertising and tracking cookies at any time:

• Browser Settings: You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.
• Ad Platform Controls: Adjust your preferences directly within platform ad settings (e.g., Meta Ad Preferences or Google Ad Settings).
• Industry Opt-Out Portals: Visit the Digital Advertising Alliance Opt-Out Page or the Network Advertising Initiative.

4. How We Use Your Information

We use the information we collect for the following core business and marketing purposes:

• To calculate custom mortgage pre-qualification scenarios and purchase power estimates.
• To contact you via email, phone, or SMS regarding your requested loan estimates, rate updates, and appointment scheduling.
• To connect you with assigned Loan Officers to service your mortgage inquiry.
• To optimize and measure the performance of our social media and search advertising campaigns.
• To maintain website security, prevent fraud, and monitor fair-lending compliance.
• To fulfill legal, regulatory, and mortgage licensing recordkeeping obligations.

5. Strict Mobile Information & SMS Non-Sharing Disclosure (A2P 10DLC Compliance)

We maintain strict protocols to protect mobile phone numbers and text messaging opt-in consent:

CRITICAL SMS PRIVACY GUARANTEE:

Mobile information, phone numbers, and text messaging opt-in consent data will NOT be sold, rented, leased, or shared with third parties, affiliates, or marketing partners for marketing or promotional purposes under any circumstances.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except for telecommunication service infrastructure providers (such as Twilio/LeadConnector) strictly as required to transmit SMS communications on our behalf.

6. Disclosure of Personal Information

We do not sell your personal information for monetary compensation. We may disclose personal information to third parties strictly for operational business purposes:

• Service Providers: Trusted platforms that assist us in operating our business (e.g., CRM hosting, website maintenance, cloud storage, and email/SMS delivery systems). These providers are bound by contract to keep your data confidential and use it only for specified tasks.
• Lending & Wholesale Partners: If you proceed to a formal loan application, necessary financial and identification data is shared with underwriting and wholesale lending partners to process your loan.
• Legal Requirements & Protection: When required by law, subpoena, regulatory body, or court order, or to protect the rights, property, and safety of X2 Mortgage LLC or our clients.

7. Telephone & SMS Communications (TCPA Compliance)

By providing your phone number on our Site, chat widget, or lead forms, you consent to receive telephone calls and text messages from X2 Mortgage LLC.

• Automated Systems: Communications may be transmitted using automated dialing technology or automated text messaging systems.
• Opt-Out Instructions: You can opt out of text messages at any time by replying STOP to any message. For assistance, reply HELP or email support@x2mortgage.com.
• Call Recording Notice: Inbound and outbound phone calls with our team may be recorded or monitored for quality assurance and regulatory compliance purposes.

8. State Privacy Rights (California CCPA/CPRA & Others)

Depending on your state of residence, you may have specific rights regarding your personal information:

• Right to Know/Access: The right to request details about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: The right to request deletion of personal information collected from you, subject to statutory record-retention requirements under mortgage laws.
• Right to Correct: The right to request correction of inaccurate personal data.
• Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To submit a data rights request, email us at support@x2mortgage.com or call us at (480) 992-4200.

9. Data Security & Retention

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, or disclosure (including SSL/TLS encryption for online inputs).

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with federal and state mortgage recordkeeping regulations (typically 3 to 7 years for loan-related documentation).

10. Third-Party Links & External Sites

Our Site contains links to external websites (such as mortgage licensing registries or social platforms). We are not responsible for the privacy practices or content of third-party sites.

11. Children's Privacy

Our Site and services are intended solely for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18.

12. Updates to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Any updates will be posted on this page with a revised "Effective Date". Your continued use of our Site after changes are published constitutes your acceptance of the revised policy.

13. Contact Us

For questions, concerns, or requests regarding this Privacy Policy, please contact us:

Company Name: X2 Mortgage LLC
Email: support@x2mortgage.com
Phone: (480) 992-4200
Mailing Address: 145 E Chilton Dr, Chandler, AZ 85225
Website: https://x2mortgage.com