Legal
Privacy Policy
This Privacy Policy describes how Supernova Mortgage Brokers collects, uses, shares, and protects your personal and financial information when you use our website or engage our mortgage brokerage services.
1. Introduction & Scope
Supernova Mortgage Brokers ("Company," "we," "us," or "our"), NMLS #1880516, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains our practices concerning the collection, use, disclosure, and safeguarding of information we obtain from and about you when you visit our website at www.supernovamortgage.com (the "Website"), contact us by phone or email, or apply for mortgage services.
This Privacy Policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA, 15 U.S.C. Section 6801 et seq.), the Fair Credit Reporting Act (FCRA), the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), and all other applicable federal and state privacy laws and regulations.
By accessing our Website, providing us with your information, or using our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our Website or services.
2. Information We Collect
In connection with providing mortgage brokerage services, we may collect the following categories of information from you:
A. Personal Identifying Information
- Full legal name, aliases, and previous names
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Date of birth
- Current and previous residential addresses
- Phone numbers (home, work, mobile)
- Email address
- Marital status and number of dependents
- Citizenship and immigration status
- Government-issued identification (driver's license, passport, or state ID)
- Military/veteran status (for VA loan eligibility)
B. Financial Information
- Employment information (employer name, position, length of employment, income)
- Income documentation (pay stubs, W-2 forms, tax returns, 1099 forms, profit & loss statements)
- Bank account information (account numbers, statements, balances)
- Investment and retirement account information (401k, IRA, brokerage accounts)
- Other assets (real estate owned, vehicles, personal property)
- Liabilities and debts (credit card balances, student loans, auto loans, child support, alimony)
- Credit history and credit scores (obtained from consumer reporting agencies with your authorization)
- Bankruptcy, foreclosure, and judgement history
- Gift funds documentation (gift letters, donor information)
C. Property Information
- Subject property address and legal description
- Property type (single-family, condo, multi-unit, manufactured home)
- Occupancy type (primary residence, second home, investment)
- Estimated or appraised property value
- Purchase price and contract details
- Current mortgage information (for refinance transactions)
- Homeowners association (HOA) information and fees
- Property tax information
- Insurance information (homeowners, flood, wind)
D. Device & Usage Data
- IP address, browser type and version, operating system
- Device identifiers and device type
- Pages visited, time spent on pages, links clicked, and referring URLs
- Location data (general geographic location derived from IP address)
- Cookies, web beacons, pixel tags, and similar tracking technologies (see Section 8)
- Information provided through forms, chat widgets, and contact forms on our Website
3. How We Use Your Information
We use the information we collect for the following purposes:
- Loan Processing & Origination: To process, evaluate, and submit your mortgage loan application to potential lending partners; to verify your identity, income, employment, assets, and creditworthiness
- Underwriting Support: To provide necessary documentation and information to underwriters at lending institutions to facilitate loan approval
- Servicing & Communication: To communicate with you regarding the status of your loan application, provide updates, request additional documentation, and respond to your inquiries
- Compliance & Legal Obligations: To comply with applicable federal and state laws, regulations, and regulatory requirements, including RESPA, TILA, ECOA, HMDA, and the USA PATRIOT Act
- Fraud Prevention: To detect, investigate, and prevent fraudulent transactions and other illegal activities, and to protect the rights and property of Supernova Mortgage Brokers and our clients
- Quality Improvement: To improve our Website, services, and customer experience through analytics and user feedback
- Marketing (with Opt-Out): To send you information about mortgage products, services, promotions, educational content, and market updates that may be of interest to you. You may opt out of marketing communications at any time (see Section 7)
4. GLBA Privacy Notice
Rev. February 2026
FACTS: WHAT DOES SUPERNOVA MORTGAGE BROKERS DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
Types of Personal Information We Collect
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and date of birth
- Income, assets, and employment information
- Credit history and credit scores
- Account balances and payment history
- Property information and mortgage/loan details
- Transaction history
How We Collect Your Personal Information
We collect your personal information, for example, when you:
- Apply for a loan or request a rate quote
- Provide income or employment information
- Authorize a credit check
- Provide account or property information
- Submit documents for loan processing
We also collect your personal information from others, such as credit bureaus, employers, and other financial institutions.
Why We Share Your Personal Information
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Supernova Mortgage Brokers chooses to share; and whether you can limit this sharing.
| Reasons We Can Share | Do We Share? | Can You Limit? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | Yes |
| For joint marketing with other financial companies | No | N/A |
| For our affiliates' everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | N/A |
| For non-affiliates to market to you | No | N/A |
To Limit Our Sharing
To limit our sharing for marketing purposes, you may contact us by phone at (689) 262-4400 or email us at info@supernovamortgage.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent our initial privacy notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
5. Information Sharing & Disclosure
We may share your personal and financial information with the following categories of recipients, as permitted or required by law:
Lending Partners & Affiliates
We share your loan application and supporting documentation with wholesale lenders, correspondent lenders, and investor partners to whom we submit your loan for approval and funding. This sharing is essential to process your mortgage loan.
Service Providers
We share information with third-party service providers who perform services on our behalf, including but not limited to: appraisal management companies, title and settlement companies, credit reporting agencies, document preparation vendors, verification services (income, employment, assets), flood certification providers, technology and hosting providers, and marketing service providers. These service providers are contractually obligated to use your information only for the purposes for which it was disclosed and to maintain its confidentiality.
Credit Bureaus & Reporting Agencies
With your authorization, we obtain credit reports from consumer reporting agencies (Equifax, Experian, TransUnion). We may also report information about your loan to these agencies as required by law. You have rights under the Fair Credit Reporting Act to dispute inaccurate information on your credit report.
Government Agencies & Regulatory Bodies
We may disclose your information as required by law, regulation, court order, subpoena, or other governmental request. This includes reporting to agencies such as the Consumer Financial Protection Bureau (CFPB), the Florida Office of Financial Regulation, the Department of Housing and Urban Development (HUD), the Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), and other federal, state, and local agencies. We are required to report certain loan data under the Home Mortgage Disclosure Act (HMDA).
With Your Consent
We may share your information with other parties when you have given us specific, written consent to do so. For example, if you authorize us to share your information with a real estate agent, financial planner, attorney, or other professional involved in your transaction.
We do not sell your personal information to third parties for their independent marketing purposes without your explicit consent.
6. Safeguarding Your Information
Supernova Mortgage Brokers is committed to maintaining the security and confidentiality of your personal and financial information. We have implemented comprehensive administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction, in compliance with the GLBA Safeguards Rule (16 CFR Part 314) and applicable state data protection laws.
Encryption & Secure Transmission
We use industry-standard SSL/TLS encryption to protect data transmitted between your browser and our servers. Sensitive data, including Social Security numbers and financial account numbers, is encrypted at rest and in transit using AES-256 encryption or equivalent standards.
Access Controls
Access to personal information is restricted to authorized personnel who need such access to perform their job functions. We employ role-based access controls, multi-factor authentication, and unique user identifiers to ensure that only authorized individuals can access sensitive data.
Employee Training
All employees and contractors receive regular training on data privacy, information security, and our internal policies for handling personal and financial information. Employees are required to sign confidentiality agreements.
Incident Response
We maintain an incident response plan to address potential data breaches and security incidents. In the event of a breach involving your personal information, we will notify you and applicable regulatory authorities as required by law in a timely manner.
While we take reasonable measures to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to continuously improving our safeguards.
7. Your Rights
You have certain rights regarding your personal information, subject to applicable law:
Right to Access
You have the right to request a copy of the personal information we have collected about you. To make an access request, contact us using the information in Section 12.
Right to Correction
You have the right to request that we correct inaccurate personal information. If you believe any information we hold about you is incorrect or incomplete, please contact us promptly so we can update our records.
Right to Opt Out of Marketing
You may opt out of receiving marketing communications at any time by: clicking the "unsubscribe" link in any marketing email; replying "STOP" to any marketing text message; calling us at (689) 262-4400; or emailing us at info@supernovamortgage.com. Please note that opting out of marketing does not affect transactional communications related to your loan application or account.
Do Not Call
You may request to be placed on our internal Do Not Call list by contacting us at (689) 262-4400 or by emailing info@supernovamortgage.com. We will process your request within a reasonable timeframe and in compliance with the National Do Not Call Registry and applicable state Do Not Call regulations.
California Consumer Rights (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), to the extent they apply to information not otherwise exempt under GLBA:
- Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which it was collected, the business or commercial purpose for collection, and the categories of third parties with whom we share it
- Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (such as information needed for legal compliance, completing a transaction, or exercising legal rights)
- Right to Correct: You have the right to request correction of inaccurate personal information
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights
- Right to Opt Out of Sale/Sharing: We do not sell or share your personal information as defined under the CCPA/CPRA
Please note that much of the personal information we collect in connection with mortgage transactions is exempt from the CCPA under the GLBA exemption. To submit a CCPA request, contact us using the information in Section 12. We may need to verify your identity before fulfilling your request.
8. Cookies & Tracking Technologies
Our Website uses cookies, web beacons, pixel tags, and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. By using our Website, you consent to the use of these technologies as described below.
Essential Cookies
Required for the Website to function properly. These cookies enable core functionality such as page navigation, form submissions, and access to secure areas. The Website cannot function properly without these cookies.
Analytics Cookies
Used to collect information about how visitors use our Website, including the number of visitors, the pages visited, and the sources of traffic. We use this information to improve our Website and the quality of our services. These cookies may be provided by third-party analytics services such as Google Analytics.
Marketing & Advertising Cookies
Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These cookies may be set by third-party advertising partners and used to build a profile of your interests to show you relevant ads on other websites.
Chat & Communication Widgets
We use third-party chat widgets (such as LeadConnector) to provide real-time customer support. These widgets may use cookies or similar technologies to identify returning visitors and provide a better user experience.
Managing Cookies: Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies, accept only certain cookies, or alert you when a cookie is placed. However, disabling cookies may limit certain features or functionality of our Website. For more information about cookies and how to manage them, visit www.allaboutcookies.org.
9. Children's Privacy
Our Website and services are not directed to, and we do not knowingly collect personal information from, individuals under the age of 18. Mortgage loan applications require the applicant to have the legal capacity to enter into a binding contract, which generally requires the applicant to be at least 18 years of age.
If we learn that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information from our records as promptly as possible. If you believe that a child under 18 has provided personal information to us, please contact us immediately using the information in Section 12.
10. Data Retention
We retain your personal and financial information for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal and regulatory obligations, to resolve disputes, and to enforce our agreements. Specific retention periods are determined based on:
- Active Loan Files: Loan application files, disclosures, and supporting documentation are retained for a minimum of three (3) years after the date of loan closing or denial, or as otherwise required by applicable federal and state law (including RESPA, TILA, ECOA, and HMDA requirements)
- HMDA Data: Home Mortgage Disclosure Act data is retained for a minimum of three (3) years as required by Regulation C
- Marketing Data: Contact information used for marketing purposes is retained until you opt out, plus a reasonable period to process the opt-out request
- Website Usage Data: Analytics and cookie data is generally retained for up to twenty-six (26) months
- Tax and Financial Records: As required by applicable tax law and IRS regulations
When personal information is no longer needed for its original purpose and no legal retention obligation exists, we will securely delete or anonymize the information in accordance with our data destruction policies.
11. Changes to This Policy
Supernova Mortgage Brokers reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will:
- Update the "Last Updated" date at the top of this page
- Post the revised policy on our Website
- Provide notice of material changes through our Website, by email, or by other appropriate means as required by applicable law
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our Website and services after any changes to this Privacy Policy constitutes your acceptance of the revised policy.
As required by the GLBA, we will provide you with an annual privacy notice describing our information sharing practices, to the extent required by applicable regulations.
12. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, or if you wish to exercise any of your privacy rights, please contact us:
Supernova Mortgage Brokers
Mailing Address: 600 North Thacker Avenue, Kissimmee, FL 34741
Phone: (689) 262-4400
Email: info@supernovamortgage.com
Privacy Inquiries: privacy@supernovamortgage.com
Hours: Monday - Friday, 9:00 AM - 6:00 PM EST
We will respond to privacy-related requests within thirty (30) days, or within the timeframe required by applicable law. For CCPA/CPRA requests from California residents, we will respond within forty-five (45) days, with the possibility of an extension of an additional forty-five (45) days if reasonably necessary.
13. Regulatory Information
Company Licensing
Company Name: Supernova Mortgage Brokers
NMLS #: 1880516
License Type: Mortgage Broker
Licensing Authority: Florida Office of Financial Regulation
Principal Place of Business: 600 North Thacker Avenue, Kissimmee, FL 34741
Equal Opportunity Lender
Supernova Mortgage Brokers is an Equal Opportunity Lender lender. We are committed to complying with all federal, state, and local fair lending laws and regulations, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, sexual orientation, gender identity, or any other characteristic protected by law.
Filing a Complaint
If you have a complaint about our privacy practices or believe your rights have been violated, you may file a complaint with:
- Consumer Financial Protection Bureau (CFPB): 1-855-411-CFPB (2372) or consumerfinance.gov/complaint
- Florida Office of Financial Regulation: (850) 487-9687 or 200 East Gaines Street, Tallahassee, FL 32399-0376
- Federal Trade Commission (FTC): 1-877-FTC-HELP (382-4357) or ftc.gov/complaint