Privacy Policy

Atlantic Palms Financial values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, and safeguard information gathered through applywithkam.com (the "Website").

Atlantic Palms Financial is the customer-facing brand of Kam Eubanks, Mortgage Loan Originator (NMLS #1708368). Mortgage brokerage services are provided through NEXA Mortgage, LLC (NMLS #1660690), a licensed independent mortgage broker. By using this Website, you agree to the practices described in this policy.

If you have questions about this policy or how your information is handled, please contact us using the information provided in Section 11.

We may collect two types of information when you visit or interact with our Website: information you provide directly and information collected automatically.

Information You Provide Directly

When you submit an inquiry, application, or contact form on our Website, you may provide:

• Full name
• Email address
• Phone number
• Mailing address
• Property address and property information
• Mortgage and financing preferences
• Any other information you voluntarily include in a form submission

Information Collected Automatically

When you visit our Website, certain information may be collected automatically through your browser and device, including:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent on the Website
• Referring website or traffic source
• Cookies and similar tracking technologies

The information we collect is used to provide mortgage consultation services, operate our Website, and communicate with you. Specifically, we may use your information to:

• Respond to your inquiries and questions
• Provide mortgage consultations and financing guidance
• Evaluate your financing options and identify suitable loan programs
• Process and submit mortgage applications on your behalf
• Communicate with you regarding your inquiry or application status
• Send relevant updates, resources, or follow-up communications
• Improve the performance and user experience of our Website
• Comply with applicable legal, regulatory, and licensing requirements

We will not use your information for purposes inconsistent with those described here without first notifying you and, where required, obtaining your consent.

We understand that your personal and financial information is sensitive. We do not sell your personal information to third parties. We share your information only when necessary to provide mortgage services or as required by law.

We May Share Your Information With:

• NEXA Mortgage, LLC (NMLS #1660690) — our licensed mortgage brokerage partner through which mortgage services are provided
• Participating wholesale mortgage lenders — to evaluate and process your financing options
• Credit reporting agencies — when you authorize a credit inquiry as part of the mortgage process
• Title companies — to facilitate property title searches and closings
• Appraisal management companies — to arrange property appraisals
• Settlement and closing service providers — to complete your mortgage transaction
• Technology providers — companies that support the operation of our Website and business systems
• Government agencies or regulators — when required by law, court order, or regulatory requirement

All third parties with whom we share information are expected to handle your data responsibly and in accordance with applicable law. We do not authorize third parties to use your information for their own independent marketing purposes.

Our Website may use cookies, web beacons, and similar tracking technologies to improve performance, understand how visitors interact with our content, and enhance your overall experience.

We may use the following tools and technologies:

• Cookies — small text files stored on your device that help us remember your preferences and improve site functionality
• Google Analytics — a web analytics service provided by Google that helps us understand visitor behavior and traffic patterns
• Meta Pixel (Facebook Pixel) — a tool that may be used to measure the effectiveness of advertising and understand visitor activity
• Other similar analytics or performance tools

Most browsers allow you to control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our Website. For more information about how Google uses data collected through analytics, visit policies.google.com/privacy.

We take the security of your personal information seriously. We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.

However, no method of transmitting information over the internet or storing data electronically can be guaranteed to be completely secure. While we work hard to protect your information, we cannot guarantee the absolute security of any information you transmit to us through our Website.

If you have reason to believe that your interaction with us is no longer secure, please contact us immediately using the information in Section 11.

Our Website may contain links to third-party websites, including lender websites, resource pages, and other external content. These links are provided for your convenience and informational purposes only.

Atlantic Palms Financial is not responsible for the privacy practices, content, or security of any third-party websites. We encourage you to review the privacy policies of any external websites you visit before submitting personal information.

Our Website is intended for adults seeking mortgage and financing information. We do not knowingly collect personal information from children under the age of 13.

If you believe that a child under 13 has submitted personal information through our Website, please contact us immediately and we will take prompt steps to remove that information from our records.

You have choices regarding how your personal information is used and maintained. You may contact us at any time to:

• Review or update your personal information
• Request corrections to inaccurate information we may have on file
• Ask questions about our privacy practices
• Request removal from marketing or follow-up communications where applicable

Please note that certain information may be retained as required by applicable law or regulation, or as necessary to complete a transaction you have initiated.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will post the updated policy on this page and revise the effective date at the top of the document.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our Website following any changes constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please contact us:

Mortgage brokerage services are provided through NEXA Mortgage, LLC (NMLS #1660690). Atlantic Palms Financial operates as an independent mortgage broker under NEXA Mortgage, LLC. This is not a government agency. Verify our license at NMLS Consumer Access →