Privacy Policy & Terms of Use

Effective Date: 08/13/2025
Lucid Lending
4 Vermont Ave #3
Asheville, NC 28806
NMLS ID #365644

We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you interact with us online, over the phone, or in person.

1. Information We Collect

We may collect the following types of information from you:

  • Personal Identifying Information – Name, mailing address, email address, phone number, date of birth, and Social Security number.

  • Financial Information – Income, assets, liabilities, credit history, and bank account details.

  • Employment Information – Job title, employer name, and employment history.

  • Property Information – Details about the property you own or wish to purchase.

  • Technical Information – IP address, browser type, operating system, and cookies when visiting our website.

2. How We Use Your Information

We use your information for purposes such as:

  • Processing your mortgage loan application and determining eligibility.

  • Communicating with you during the loan process.

  • Providing customer service and responding to inquiries.

  • Sending legally required disclosures and updates.

  • Marketing (if you have opted in to receive such communications).

  • Complying with federal, state, and local laws.

3. How We Share Your Information

We may share your information in the following situations:

  • With Lenders and Investors – To process your loan request.

  • With Service Providers – For functions such as credit reporting, appraisal services, or document preparation.

  • As Required by Law – To comply with court orders, legal investigations, or regulatory requirements.

  • With Your Consent – When you explicitly authorize us to share information.

We do not sell your personal information to third parties.

4. Your Rights

You have the right to:

  • Access and review the personal information we maintain about you.

  • Request corrections to your personal information.

  • Request deletion of your personal information, subject to legal recordkeeping requirements.

  • Opt out of receiving marketing communications from us.

To exercise these rights, contact us using the information in Section 9.

5. Data Security

We maintain physical, electronic, and procedural safeguards to protect your information. These include encryption of sensitive data, secure servers, multi-factor authentication, and restricted employee access to personal information.

6. Use of Cookies and Tracking

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. 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. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

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. Learn more about cookies on the Free Privacy Policy website article.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential CookiesType: Session CookiesAdministered by: UsPurpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

  • Cookies Policy / Notice Acceptance CookiesType: Persistent CookiesAdministered by: UsPurpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality CookiesType: Persistent CookiesAdministered by: UsPurpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites.

8. Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. 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.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

9. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

Lucid Lending
4 Vermont Ave #3
Asheville, NC 28806
Email: ozzie@lucidlending.com
Phone: (828) 571-0219

10. Policy Updates

We may update this Privacy Policy from time to time. The effective date at the top will reflect the most recent changes. We encourage you to review this policy periodically to stay informed of how we protect your information.