BD Nationwide Mortgage Privacy Policy

Effective Date: August 11, 2026 Last Updated: August 11, 2026

BD Nationwide Mortgage (“BD Nationwide,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how BDNationwideMortgage.com (“Site”) collects, uses, discloses, and protects your personal information, as well as your rights regarding that information. This Privacy Policy applies to all visitors, users, and consumers who interact with our Site.

By using the Site, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use the Site.

1. Business Model Transparency

BD Nationwide Mortgage operates as an online mortgage information and referral platform. BD Nationwide is not a mortgage lender, mortgage broker, credit reporting agency, or debt relief company. We do not originate, underwrite, service, or make credit decisions on any mortgage loan. Our Site connects consumers with licensed mortgage professionals in our participating network who may be able to assist with residential home financing needs.

BD Nationwide provides home financing information at no cost to you. BD Nationwide receives compensation from participating lenders and mortgage professionals when consumers complete loan transactions or reach certain milestones with lenders introduced through our platform. This compensation does not influence the educational content published on our Site.

2. Information We Collect

2.1 Information You Provide to Us

When you request a mortgage quote, complete a loan inquiry form, subscribe to our communications, or otherwise interact with our Site, we may collect the following categories of personal information:

Contact Information: Name, mailing address, email address, phone number(s)
Property Information: Property address, property type, estimated property value, ZIP code, city, state
Financial Information: Estimated income, mortgage balance, credit tier (self-reported), employment status, existing debts
Loan Request Details: Loan purpose, requested loan amount, loan type (purchase, refinance, home equity)
Communications: Messages, comments, feedback, and other communications you send to us

We do NOT require your Social Security number, driver’s license number, or bank account information to receive an initial loan quote through our Site.

2.2 Information Automatically Collected

When you visit our Site, we automatically collect certain information about your device and browsing activity, including:

Device Information: IP address, browser type, operating system, device identifiers, referring website
Usage Information: Pages viewed, time spent on pages, click patterns, search queries, dates and times of visits
Location Information: General geographic location derived from IP address (not precise GPS location)
Cookies and Tracking Technologies: See Section 5 for details

2.3 Information from Third Parties

We may receive information about you from third-party sources including:

Analytics providers (Google Analytics, similar services)
Advertising partners
Publicly available databases
Marketing partners (with your prior consent)

3. How We Use Your Information

We use the personal information we collect for the following purposes:

To Process Loan Inquiries: Route your loan quote requests to up to four licensed mortgage professionals in our participating network who may contact you regarding your inquiry
To Facilitate Communications: Enable participating lenders to contact you with loan offers, rates, and program information
To Improve Our Site: Analyze usage patterns, diagnose technical issues, and enhance user experience
To Send Communications: Send you relevant marketing communications, educational content, and product information (with your consent)
To Comply with Legal Obligations: Meet applicable federal and state legal requirements, respond to lawful requests, and enforce our terms
For Security Purposes: Detect fraud, prevent abuse, and protect our Site and users
For Business Analysis: Prepare aggregate reports and analytics (which do not identify individual users)

4. Information Sharing and Disclosure

4.1 Sharing with Participating Lenders and Mortgage Professionals

When you submit a loan inquiry through our Site, we may share your information with up to four (4) licensed mortgage professionals in our participating network who may be able to assist with your specific loan request. These mortgage professionals are independent third parties who will contact you directly regarding your inquiry. Once shared, your information becomes subject to each recipient’s own privacy policy.

4.2 Sharing with Service Providers

We may share your information with third-party service providers who assist us in operating our Site and business, including:

Website hosting and technology providers
Analytics and marketing services
Email delivery services
Payment processors (if applicable)
Customer support providers
Legal, accounting, and compliance advisors

4.3 Legal Compliance and Protection

We may disclose your information when we believe such disclosure is necessary to:

Comply with applicable law, regulation, legal process, or governmental request
Enforce our Terms of Service or other agreements
Protect the rights, property, or safety of BD Nationwide, our users, or others
Investigate potential fraud, security threats, or violations of our policies

4.4 Business Transfers

If BD Nationwide is involved in a merger, acquisition, sale of assets, reorganization, or bankruptcy proceeding, your information may be transferred as part of that transaction. We will notify affected users if such a transfer results in a material change to how your information is handled.

4.5 Aggregated and De-Identified Information

We may share aggregated or de-identified information that does not personally identify you with third parties for research, analysis, marketing, or other business purposes without restriction.

5. Cookies and Tracking Technologies

Our Site uses cookies, web beacons, pixels, and similar tracking technologies to enhance your experience and analyze Site usage.

5.1 Types of Cookies We Use

Essential Cookies: Required for Site functionality (cannot be disabled)
Analytics Cookies: Help us understand how visitors use our Site (Google Analytics, etc.)
Marketing Cookies: Used to deliver relevant advertisements (with your consent)
Preference Cookies: Remember your preferences and settings

5.2 Your Choices Regarding Cookies

You can control cookies through your browser settings. Most browsers allow you to:

View which cookies are stored on your device
Delete existing cookies
Block third-party cookies
Block all cookies (may impact Site functionality)

To opt out of Google Analytics tracking specifically, visit: tools.google.com/dlpage/gaoptout

6. Consent to Receive Communications (TCPA Notice)

By submitting a loan inquiry form or otherwise providing your telephone number to us, you expressly consent to receive communications from BD Nationwide and up to four (4) participating lenders or mortgage professionals in our network, including through:

Automated telephone dialing systems
Pre-recorded or artificial voice messages
Text messages (SMS/MMS)
Email communications
Postal mail

This consent applies even if your telephone number is currently listed on any federal, state, or corporate Do Not Call list. You understand that consent to receive these communications is not required as a condition of purchasing any goods or services.

Message and data rates may apply. Message frequency varies. You may opt out of text message communications at any time by replying “STOP” to any text message. For assistance, reply “HELP” or contact us as described in Section 15.

7. California Consumer Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information.

7.1 Categories of Personal Information Collected

In the preceding 12 months, we may have collected the following categories of personal information:

Identifiers (name, email, phone, IP address)
Personal Information Categories under Cal. Civ. Code § 1798.80(e) (contact information)
Commercial Information (loan inquiry details)
Internet or Other Electronic Network Activity Information (browsing history on our Site)
Geolocation Data (general location from IP)
Professional or Employment-Related Information (self-reported employment status)
Inferences drawn to create profiles about consumer preferences

7.2 Your California Consumer Rights

As a California resident, you have the following rights:

Right to Know: Request disclosure of personal information we’ve collected, used, disclosed, or sold about you in the preceding 12 months
Right to Delete: Request deletion of personal information we’ve collected from you, subject to certain exceptions
Right to Correct: Request correction of inaccurate personal information
Right to Opt-Out of Sale or Sharing: Direct us not to sell or share your personal information (see Section 7.3)
Right to Limit Use of Sensitive Personal Information: We do not use sensitive personal information beyond permitted business purposes
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

7.3 “Do Not Sell or Share My Personal Information”

Under the CCPA/CPRA, “sale” is defined broadly and may include sharing information with third parties for advertising purposes. BD Nationwide does not sell personal information for monetary consideration. However, we do share personal information with participating lenders and mortgage professionals to facilitate loan inquiries, which may constitute a “sale” or “sharing” under the CCPA/CPRA.

California residents may exercise the right to opt out by:

Emailing us at: privacy@bdnationwidemortgage.com
Using our contact form at: https://bdnationwidemortgage.com/contact/
Writing to us at: BD Nationwide Mortgage, Attn: Privacy Officer, 515 Encinitas Blvd., Suite 100, Encinitas, CA 92024

7.4 Exercising Your California Rights

To exercise your California rights, submit a verifiable consumer request through the contact methods above. We will verify your identity before fulfilling requests to protect your information. You may designate an authorized agent to make requests on your behalf.

We will respond to verifiable consumer requests within 45 days of receipt. If we require additional time, we will notify you of the reason and extension period.

7.5 GLBA Exemption Notice

Some personal information you provide in connection with mortgage loan inquiries may be exempt from certain CCPA/CPRA requirements because it is regulated under the federal Gramm-Leach-Bliley Act (GLBA) and California Financial Information Privacy Act (FIPA). These federal and state financial privacy laws apply to nonpublic personal information collected in connection with financial products or services.

8. Other State Privacy Rights (Virginia, Colorado, Connecticut, Utah)

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), and other states with comprehensive privacy laws have similar rights to access, correct, delete, and opt out of the sale of their personal information. To exercise these rights, contact us using the methods in Section 15.

9. Gramm-Leach-Bliley Act (GLBA) Notice

To the extent BD Nationwide collects nonpublic personal financial information in connection with mortgage inquiries, we handle such information consistent with the requirements of the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations. Participating lenders in our network are also subject to GLBA requirements and provide their own privacy notices.

10. European Union / GDPR Users

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, please note that BD Nationwide’s services are directed to U.S. residents and our Site is hosted in the United States. By using our Site, you consent to the transfer of your information to the United States, where data protection laws may differ from those in your country of residence.

To the extent GDPR applies to our processing of your information, you have the following rights:

Right of access to your personal data
Right to rectification of inaccurate data
Right to erasure (“right to be forgotten”)
Right to restrict processing
Right to data portability
Right to object to processing
Right to lodge a complaint with a supervisory authority

To exercise these rights, contact us at privacy@bdnationwidemortgage.com.

11. Children’s Privacy

Our Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn we have collected personal information from a child under 13 without parental consent, we will delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us using the methods in Section 15.

We comply with the Children’s Online Privacy Protection Act (COPPA).

12. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods vary by data type:

Loan inquiry information: Retained for up to 7 years to comply with mortgage industry recordkeeping requirements
Website analytics: Retained for up to 26 months (Google Analytics default)
Marketing communications data: Retained until you opt out
Legal and compliance records: Retained as required by applicable law

13. Data Security

BD Nationwide implements reasonable administrative, technical, and physical security measures designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

Encryption of data transmission (HTTPS/TLS)
Access controls limiting who can view personal information
Regular security assessments of our systems
Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially reasonable means to protect your information, we cannot guarantee absolute security. You acknowledge that any transmission of personal information to our Site is at your own risk.

14. Third-Party Websites and Links

Our Site contains links to third-party websites, including participating lenders, resource sites, and social media platforms. This Privacy Policy does not apply to third-party websites. We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

15. Choice / Opt-Out and Contact Information

15.1 Marketing Communications Opt-Out

You may opt out of marketing communications from BD Nationwide at any time by:

Following unsubscribe instructions in any marketing email we send
Emailing: privacy@bdnationwidemortgage.com
Using our contact form: https://bdnationwidemortgage.com/contact/
Writing to us: BD Nationwide Mortgage, Attn: Privacy Officer, 515 Encinitas Blvd., Suite 100, Encinitas, CA 92024

Please note: If you opt out of marketing communications, we may still send you transactional or service-related communications regarding your loan inquiry or account.

15.2 Correcting Your Information

To update, correct, or modify personal information you have provided, contact us using the methods above.

15.3 CAN-SPAM Compliance

BD Nationwide complies with the CAN-SPAM Act. All commercial email communications include an unsubscribe mechanism and our valid physical postal address.

16. California “Shine the Light” Law

California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, contact us using the methods in Section 15.

17. Do Not Track Signals

Some browsers include “Do Not Track” (DNT) signals. Because no common industry standard for DNT signals has been adopted, BD Nationwide does not currently respond to DNT browser signals.

18. Dispute Resolution and Arbitration

Any dispute regarding this Privacy Policy or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in San Diego, California, under the AAA’s Consumer Arbitration Rules. To initiate a claim, you must first provide written notice of the claim to BD Nationwide within thirty (30) days of learning of the potential claim. Following such notice, the claim must be submitted to the American Arbitration Association within thirty (30) days. By using the Site, you agree that this dispute resolution process is fair and reasonable, and you waive your right to a jury trial or to participate in a class action.

19. Changes to This Privacy Policy

BD Nationwide may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or industry standards. The “Last Updated” date at the top of this policy indicates when the policy was most recently revised. Material changes will be posted on this page, and where required by law, we will provide additional notice. Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

20. Complaints and Regulatory Contacts

If you believe your privacy rights have been violated, you may:

Contact us directly at https://bdnationwidemortgage.com/contact/
File a complaint with the California Attorney General at oag.ca.gov/privacy
File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint
File a complaint with the Federal Trade Commission at ftc.gov/complaint

21. Contact Us

For questions about this Privacy Policy or our privacy practices, please contact:

BD Nationwide Mortgage Attn: Privacy Officer 515 Encinitas Blvd., Suite 100 Encinitas, California 92024

Contact Form: https://bdnationwidemortgage.com/contact/