Privacy Policy

Privacy Policy

Last updated: September 5, 2025

Idaho Mortgage Brokers, LLC (“we” or “us” and “IMB”) operates websites and related mobile applications, including any other media form, media channel, mobile website, or mobile application related or connected thereto for the solicitation, origination, servicing, and sale of mortgage loans (“Service”).

This explains how we collect, use, disclose, and safeguard your information when you visit our websites. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic information.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions.

The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Company (referred to as either "the Company", "We", "Us" or "Our" and “IMB” in this Agreement) refers to Idaho Mortgage Brokers, LLC, NMLS #2715875.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
Personal Data is any information that relates to an identified or identifiable individual.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.

Collecting and Using Your Personal Data

Types of Data Collected

“No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Personal Data

While using our Site, we may ask you to provide nonpublic personal information that we may conduct business with you or to market our products to you (Our Services). The nonpublic personal information about you we collect may include, but is not limited to:

· Personal Information. Examples include your name, address, telephone number, social security number, credit history, and other financial information.

Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
Information from employers and financial institutions to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
We may also collect this information from a wide range of other sources to provide you the Service. These sources may include among others, attorneys, banks, title insurers, insurance companies and credit reporting agencies.
Information collected through cookies and usage data such as internet protocol (IP) addresses collected through cookies and usage data

Usage Data

Usage Data is probably collected automatically when using our Service, but not by us. Nope. IMB doesn’t collect or retain or sell or do anything with or about your “usage” data. We only collect that information which is required by those upstream from us, such as Banks, Lenders, and Government Agencies like Federal Housing Administration (FHA), Federal National Mortgage Association (FNMA), and several others, in the course of and for the purposes of obtaining home loans for our clients. We don’t ask from you any data not demanded by the lending process.
But, we use the services of others such as the website provider you’re on right now, reading this, or the Loan Origination System software that your personal data is stored in and transmitted from. And the wholesale lenders we use to fund your loan likely tracks this stuff.
Point is, we strive to make you a raving fan of our services and of our treatment of you, not to spy on you or give you any reason not to trust us. But we work in a connected ecosystem and we don’t know or have the ability to determine who is tracking what. But we don’t do it.

Continuing on with the jargon and fine print:
Usage Data may include information such as your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the our Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device.

Location Data

Similar to what was mentioned immediately above, Location Data is probably collected automatically when using our Service, but not by us. Nope. IMB doesn’t collect or retain or sell or do anything with or about your “usage” data. We only collect that information which is required by those upstream from us, such as Banks, Lenders, and Government Agencies like Federal Housing Administration (FHA), Federal National Mortgage Association (FNMA), and several others, in the course of and for the purposes of obtaining home loans for our clients. We don’t ask from you any data not demanded by the lending process.

But, we use the services of others such as the website provider you’re on right now, reading this, or the Loan Origination System software that your personal data is stored in and transmitted from. And the wholesale lenders we use to fund your loan likely tracks this stuff.
Point is, we strive to make you a raving fan of our services and of our treatment of you, not to spy on you or give you any reason not to trust us. But we work in a connected ecosystem and we don’t know or have the ability to determine who is tracking what. But we don’t do it.

Continuing on with the jargon and fine print:
They (meaning those referenced above, but not IMB) may use and store information about your location if you give them permission to do so. They likely use this data to provide features of their Service, to improve and customize their Service. You can enable or disable location services when you use our Service at any time by way of your device settings.

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information from Third-Party Social Media Services

The Company eventually will be connected to the Socials in such a way that allows you to create an account and log in to use the Service through the following Third-party Social Media Services:

Google
Facebook
X (Twitter)

If you decide to register through or otherwise grant us access to a Third-Party Social Media Service, we may collect personal data that is already associated with your Third-Party Social Media Service's account, such as your name, your email address, your activities or your contact list associated with that account.

You may also have the option of sharing additional information with the Company through your Third-Party Social Media Service's account. If you choose to provide such information and Personal Data, during registration or otherwise, you are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on our Site and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze our Site.

You can instruct your browser to refuse all cookies or to indicate when a Cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service.

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.

We use both session and persistent Cookies for the purposes set out below:

Session Cookies

Purpose: These Cookies are essential to provide you with services available through the Website and to enable you to use some of its features.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Services. Essentially, we do home loans and anything we ask for from you is required by those upstream from us, such as Banks, Lenders, and Government Agencies like Federal Housing Administration (FHA), Federal National Mortgage Association (FNMA), and several others. We don’t ask from you any data not demanded by the lending process.
To manage your account if you are a registered client or prospective client.
To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
To manage Your requests: To attend and manage your requests to us.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Retention of Your Personal Data

The Company will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain your information for internal analysis purposes.

Transfer of Your Personal Data

Your information, including Personal Data, is processed in our operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Law enforcement

Under certain circumstances, the Company may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose your personal data in the good faith belief that such action is necessary to:

Comply with a legal obligation
- For example: state exams, federal agency audits, quality control, etc.
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of users of the Service or the public
Protect against legal liability

Security of Your Personal Data

The security of your personal data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service, provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used (“Service Providers”). These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Detailed Information on the Processing of Your Personal Data

Service Providers have access to your personal data only to perform their tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service providers to monitor and analyze the use of our Services.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Email Marketing

We may use your personal data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. We put a lot of thought into this and try to keep our relationship with you active and beneficial by providing useful info that has a tangible benefit to you.

You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us. We really hope you wont, because if we did our job, you should really love how we performed and will want to stay in touch in case you need us again, or to share our services with those you know.

We may use Email Marketing Service Providers to manage and send emails to you.

Mailchimp (is an example; unclear, as of this writing, if we will use them, but they are typical of these email campaign providers)

Mailchimp is an email marketing sending service provided by The Rocket Science Group LLC. We may use this service from time to time.

For more information on the privacy practices of Mailchimp, please visit their Privacy policy: https://mailchimp.com/legal/privacy/

Total Expert

Total Expert is a customer relationship management (CRM) system that helps manage customer data and marketing provided by top of mind. We may use this service from time to time. Again, as of this writing, we do not. But we have to keep track of our clients in some way, and TE is a typical example of what you can expect.

For more information on the privacy practices of Total Expert, please visit their Privacy policy: httphttps://totalexpert.com/privacy-policy/

Behavioral Remarketing

The Company one day might use remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on Your past visits to our Service. Likely, we’ll just email you, though. Old school has its advantages.

X (Twitter)

X remarketing service is provided by Twitter Inc.

You can opt-out from X’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of X by visiting their Privacy Policy page: https://twitter.com/privacy

Facebook

Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950

To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217

Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation

Pinterest

Pinterest remarketing service is provided by Pinterest Inc.

You can opt-out from Pinterest's interest-based ads by enabling the "Do Not Track" functionality of your web browser or by following Pinterest instructions: http://help.pinterest.com/en/articles/personalization-and-data

You can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page: https://about.pinterest.com/en/privacy-policy

Usage, Performance and Miscellaneous

We may use third-party Service Providers to provide better improvement of our Service.

Invisible reCAPTCHA

We use an invisible captcha service named reCAPTCHA. reCAPTCHA is operated by Google.

The reCAPTCHA service may collect information from You and from Your Device for security purposes.

The information gathered by reCAPTCHA is held in accordance with the Privacy Policy of Google: https://www.google.com/intl/en/policies/privacy/

Google Places

Google Places is a service that returns information about places using HTTP requests. It is operated by Google.

Google Places service may collect information from you and from your device for security purposes.

The information gathered by Google Places is held in accordance with the Privacy Policy of Google: https://www.google.com/intl/en/policies/privacy/

Do Not Track Policy

Idaho Mortgage Brokers, LLC is not the least bit interested in tracking you or your web activities and we do not do this.

However, some third-party websites do keep track of your browsing activities. If you are visiting such websites, you can set your preferences in your web browser to inform websites that you do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of your web browser.

Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If We become aware that we have collected Personal Data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

Links to Other Websites

Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Accessibility

We are fully committed to fairness and to equal access. Idaho Mortgage Brokers, LLC is dedicated to making our products and payment processing services accessible to everyone, including people with disabilities. We are firmly dedicated to complying with the Americans with Disabilities Act of 1990 (ADA), as amended.

Contact Us

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

If you have any questions about this Privacy Policy, you may contact us.

By email: Ross.Farr@HomeReadyLending.com

By mail: Idaho Mortgage Brokers, LLC

Attn Ross Farr

3525 Merlin Dr Idaho Falls, ID 83404
Phone: (253) 244-2555

We are determined to provide great customer service, fantastic mortgage programs, and competitive rates to all of our customers. We have two branches with dedicated loan officers in Rexburg, ID and in Idaho Falls, ID, ready to help you try to buy the house of your dreams.

Corporate Office
3525 Merlin Dr Idaho Falls, ID 83404
Main: (253) 244-2555
Fax: we don’t have a fax machine.

Complaints? Email us at Ross.Farr@HomeReadyLending.com or call us at (253) 244-2555.
Credit on approval. Terms subject to change without notice. Not a commitment to lend.

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