This Privacy Policy describes conditions applicable to your use of Epic Lending website as well as any services you receive from direct participation with Epic Lending.

Epic Lending will comply with this Privacy Policy as well as all applicable state, federal, and local laws in the United States protecting privacy.

We have created this Privacy Policy because we take your privacy seriously, and we seek to be as transparent as possible about how we collect, use, and share information.

Please review this Privacy Policy carefully as your continued use of Epic Lending website requires you to consent to it.

1. Collection of Information

You acknowledge and agree that Epic Lending may collect information from you and about you when you use the services provided by Epic Lending. The information collected will be used to communicate with you and participate in any services provided by Epic Lending. In some instances, Epic Lending may collect and use your information for other purposes detailed below.

Specifically, Epic Lending may collect the following information from you:

Your Contact Information. This includes your name, address, phone number, e-mail, and details you provide to us about you and your business.

Cookies, Web Beacons, and Usage Logs. Cookies are bits of electronic information that can be transferred to your computer or other electronic device to uniquely identify your browser. We may place one or more cookies on your computer or other electronic device to learn more about your activities on our website by combining the cookie information with other information we store about you. At any time, you may adjust settings on your browser to refuse cookies according to the instructions related to your browser.

Web Usage. Epic Lending uses Google Analytics, which tracks and manages cookie information so that we and third-party service providers can better deliver advertisements that are relevant and useful to you online, including Epic Lending website and various other websites across the Internet. We have also implemented Google Analytics display network impression reporting to better understand how ad impressions and ad services are related to visits to our sites.

Your Social Networks. If you use the social networking connection functions offered through Epic Lending, we may access all your social network profile information that you have made available to be shared with us.

Epic Lending will never attempt to collect payment or payment information from a person interested in using our services.

There is no direct cost to any person for contacting Epic Lending or for simply communicating with an advisor that is associated with Epic Lending.

If you complete a home purchase or home refinance transaction with an advisor that is associated with Epic Lending, that transaction will be handled by the aforementioned advisor’s place of business and not directly through Epic Lending.

In that instance, any costs or fees will be disclosed to you well in advance, and you will have the right to agree (or disagree) to pay these costs. You will also have the right to consent (or deny consent) to have your payment information collected.

2. Use of Information

Generally speaking, Epic Lending will use information collected from you to provide you with the services and to improve the services. You thus acknowledge and agree that Epic Lending may use information collected from you for the following purposes.

Communications with You. Epic Lending will use your email address, physical address, and phone number to communicate with you as necessary, including providing you with information you have requested or confirming that you will receive the services. If you do not wish to receive emails from Epic Lending, send an email to support@axxessfunding.com.

Advertising and Improved Customer Service. Epic Lending or third-party service providers or advertisers may use cookies (that they collect or that we provide to them) or other similar technologies to collect information about your use of the services (including mobile applications) or your online activities over time and across different websites. Collected information may include the content you view, the date and time that you view this content, and the Web site that referred you to the services, and this information may be associated with your unique browser, device identifier, or Internet Protocol address. These practices help tailor advertisements that are relevant and useful to you. These tailored advertisements may appear on the services or on other websites, applications, or properties. Epic Lending also may use your e-mail address to deliver tailored advertisements to you on the services or on other websites, such as Facebook’s Custom Audience Feature or other similar Facebook tools. We will not share your email address with Facebook.

3. Disclosure of Information.

You acknowledge and agree that Epic Lending may share information about you in the following circumstances:

You ask us to share the information. If you request that Epic Lending contact a third party on your behalf, then you are consenting to disclosure of information and, particularly, personal contact information and any information we collect through your use of Epic Lending website. For example, if you choose to contact a real estate agent or lender through the services, we will send your contact information to a real estate agent or lender.

Epic Lending needs to disclose the information to provide the services. Epic Lending may hire or contract with a service provider or business partner to operate some part or all of Epic Lending business or provide better services to you. In order to provide the services to you, Epic Lending may allow a third party to access information. Epic Lending will only disclose the information necessary for the service provider or business partner to perform the services.

Epic Lending affiliates with a different company or sells its business. Epic Lending may share information with any company or companies that affiliate with Epic Lending, including business partners. If Epic Lending is involved in a merger, acquisition, or any form of transfer or sale of some or all of its business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding. Information may be transferred along with the business. Any company with whom Epic Lending affiliates or partners with has their own privacy and consumer information policies and, potentially, additional laws with which they must comply. Epic Lending is not responsible for ensuring compliance by other individuals, companies, or business partners.

Epic Lending is required by law to disclose information. Epic Lending may disclose any information in response to a subpoena or court order, and whenever Epic Lending has a good faith belief that access, use, preservation or disclosure of the information is reasonably necessary to (a) satisfy any requirement of law, regulation, legal process, or enforceable governmental request, (b) detect, prevent, or otherwise respond to fraud, security or technical concerns, (c) support auditing and compliance functions, or (d) protect the rights, property, or safety of the public against harm.

4. Complaint Procedure and Your Right to Request Removal of Information.

If you have any concerns regarding Epic Lending practices, or do not want Epic Lending to collect, use, or disclose your information as described in this Privacy Policy, you may contact Epic Lending and Epic Lending will respect and comply with your request as soon as practicable. Note that compliance with your request may result in your inability to use certain website features and our services in the future. We encourage you to disclose the requested information so we can provide the best possible customer service and offer you the use of our services.

5. Epic Lending Right to Amend Policy.

Epic Lending may amend this policy at any time, and without notice to you. You should check back for the most current version before relying on any of the provisions in this privacy policy. By using the services, you agree to the terms of this Privacy Policy.

6. Epic Lending Efforts to Secure Information.

Epic Lending uses technical and physical safeguards to protect against foreseeable breaches of its data, including the unauthorized use, access, or destruction of any information subject to this policy.

Disclosures

In accordance with the Equal Credit Opportunity Epic Lending, LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.