1. Company Identity, Licensing, and Contact Information

VIVA Home Loans (Branch NMLS ID: 2523861) operates legally as a registered Doing Business As (DBA) name of Home Mortgage Alliance Corporation (HMAC).

• Legal Name: Home Mortgage Alliance Corporation (HMAC) d/b/a VIVA Home Loans

• Parent Company NMLS ID (HMAC): 1165808

• Branch NMLS ID (VIVA Home Loans): 2523861

• State Licensing: Licensed and regulated by the Department of Financial Protection and Innovation (DFPI) under the California Financing Law (CFL License # 603L284) and the California Residential Mortgage Lending Act (CRMLA License # 41DBO-134495). For licensing disclosures in other states, visit www.homemac.com/licensing-and-disclaimer. To verify license status, visit www.nmlsconsumeraccess.org.

• Corporate Headquarters: 4 Hutton Centre Dr., Ste. 500, Santa Ana, CA 92707

• Regional / Branch Office: 8133 Leesburg Pike, Suite 380 / Suite 580, Tysons Corner, VA 22182

• Contact Phone Numbers: 1.833.764.2272 (1.833.7 MI CASA) | 866-275-2677 | 714-417-9895

• Contact Email: info@vivahomeloans.com

• Official Websites: www.vivahomeloans.com | www.homemac.com

2. Information We Collect and Collection Channels

VIVA Home Loans does not collect sensitive personal or financial information directly through open forms on our public website.

The information required to provide our mortgage services is collected exclusively through direct, institutional, and secure transmission channels (such as telephone consultations, encrypted email, in-person interviews, or authorized loan application portals):

• Sensitive Personal and Financial Information: Social Security Numbers (SSN), federal and state tax returns, proof of income (paystubs), bank statements, employment history, and asset/liability statements. This information is provided directly by the applicant within secure environments outside the public web.

• Credit Information: Credit history and credit reports obtained from credit bureaus and authorized data vendors (including CTI Credit Technology and Credit Expert). Credit inquiries are performed only after obtaining your explicit written consent and authorization.

• General Identification Information: Full name, residential address, telephone numbers, email address, and date of birth collected during loan processing and origination.

• Technical and Web Browsing Information: IP address, browser type, pages visited, and browsing behavior collected automatically via cookies and web analytics technologies.

3. Use of Cookies and Pixel Technologies (Google and Meta Ads)

Our website uses cookies, web beacons, and advertising tracking pixels (Google Ads and Meta/Facebook Ads) strictly for analytical and advertising optimization purposes:

• Tracking Scope: These technologies help us analyze web traffic, evaluate user interaction, and display relevant advertising across Google and Meta platforms. Under no circumstances do these cookies collect Social Security Numbers, sensitive financial data, or qualification documents.

• Managing Preferences: You may configure or adjust your browser settings at any time to reject, block, or delete cookies.

4. Handling of Sensitive Documents and Regulatory Compliance (U.S. Laws)

In strict compliance with applicable federal and state financial and mortgage laws—including the Gramm-Leach-Bliley Act (GLBA) and NMLS regulatory standards:

• All sensitive underwriting documents are handled under strict confidentiality protocols, secure storage, and encrypted transmission channels.

• Your financial information is used solely to evaluate credit eligibility, process and originate your mortgage loan application, and meet statutory regulatory compliance obligations.

5. Information Disclosure and Sharing (No-Sale Notice)

VIVA Home Loans / HMAC DOES NOT sell, rent, or trade your personal information to third parties.

We share your data on a restricted basis only with service providers, institutional partners, and authorities necessary to evaluate, process, close, and fund your mortgage loan, including:

• Credit Reporting Agencies: CTI Credit Technology and Credit Expert (for authorized credit evaluation).

• Real Estate Appraisers and Inspectors: Independent certified professionals tasked with property valuation.

• Wholesale Lenders, Investors, and Title Companies: Required for title examination, title policy issuance, financial closing, and loan funding.

• Regulatory and Government Authorities: Local, state, or federal agencies when required by applicable law, court order, or regulatory audit.

6. Security, Encryption, and Data Protection

HMAC and VIVA Home Loans implement bank-grade administrative, technical, and physical safeguards designed to protect your data against unauthorized access, loss, alteration, or disclosure:

• Encryption: Utilization of advanced SSL/TLS (Secure Sockets Layer / Transport Layer Security) protocols for secure online data transmission.

• Protected Infrastructure: Storage on servers secured behind enterprise firewalls with continuous network monitoring.

• Access Control: Restricted access to personal information, limited exclusively to authorized personnel required to process your file.

7. Consumer Privacy Rights

Under applicable federal law and state privacy regulations (such as the California Consumer Privacy Act / California Privacy Rights Act – CCPA/CPRA and equivalent state frameworks), you have rights regarding your personal information:

• Right to Access: Request confirmation and a copy of the personal and financial information we maintain in our records.

• Right to Correct: Request the correction of inaccurate, incomplete, or outdated information.

• Right to Delete: Request the deletion of your personal data, subject to legal exceptions requiring mandatory retention of mortgage files for statutory periods (under GLBA and NMLS document retention requirements).

• Right to Opt-Out: Limit the use of advertising tracking technologies by adjusting cookie preferences in your browser or through Google and Meta privacy management tools.

Exercising Your Privacy Rights

To exercise any of your rights, submit questions regarding this policy, or file a formal privacy request, contact our team directly:

• Email: info@vivahomeloans.com

• Phone: 1.833.764.2272 (1.833.7 MI CASA) | 866-275-2677

• Mailing Address:

  Home Mortgage Alliance Corporation (HMAC) / VIVA Home Loans

  Attn: Privacy & Legal Compliance Department

  4 Hutton Centre Dr., Ste. 500, Santa Ana, CA 92707

8. Legal Disclosures and Mortgage Terms (Equal Housing Lender)

Equal Housing Lender. This site and its contents do not constitute a commitment to lend. All loans are subject to credit approval, underwriting evaluation, and acceptable collateral. Additional terms and conditions apply. Programs, interest rates, terms, and conditions are subject to change without notice. There is no guarantee that all borrowers will qualify. Restrictions may apply. HMAC and its loan products are not affiliated with, sponsored by, or endorsed by any government agency.

© Home Mortgage Alliance Corporation (HMAC). All rights reserved.