Privacy Policy

Effective date: October 7, 2026

Local Processing, LLC ("Local Processing," "we," "us," or "our") respects the privacy of the people whose information we receive and process.

This Privacy Policy explains how we collect, use, disclose, retain and protect personal information through localprocessing.com, our forms and communications, and the mortgage operations services we provide on behalf of mortgage brokers, lenders and other business clients.

Local Processing, LLC is a mortgage operations company, NMLS #2815657. We provide loan setup, processing, lock desk support, closing support, quality control and related mortgage operations services.

1. Information we collect

The information we collect depends on how you interact with us and the services we provide.

Information you provide directly

When you contact us, submit a form, enter into an agreement with us or request services, we may collect:

• Name
• Email address
• Telephone number
• Company or organization
• Job title or role
• NMLS identification number
• Business volume or other business information
• Electronic or typed signature
• Messages, requests and other information you choose to provide

Mortgage transaction information

When we provide mortgage operations services, we may receive information about borrowers, loan applicants, properties and mortgage transactions. Depending on the services requested, this may include:

• Borrower and applicant names
• Contact information
• Property addresses
• Loan numbers
• Loan amounts and terms
• Closing dates
• Loan status and milestone information
• Documents and information used in the mortgage process
• Other financial or personal information needed to perform the services our client requests

This information may come to us from mortgage brokers, lenders, loan officers, mortgage technology systems, service providers or other parties involved in a mortgage transaction.

Website and technical information

When you use our website, our hosting provider and website technology providers may automatically receive limited technical information needed to operate, secure and deliver the website. This may include your IP address, browser type, device information, referring page, pages requested, and similar server or performance information.

We do not currently use advertising cookies or third-party advertising analytics on our website.

2. Borrower and consumer financial information

In providing mortgage operations services, we may receive nonpublic personal information or other customer information from mortgage brokers, lenders and other financial institutions.

This information may be subject to the Gramm-Leach-Bliley Act ("GLBA"), its implementing regulations, contractual confidentiality requirements, and other financial privacy and information security laws.

When we receive information as a service provider to another financial institution, we use and disclose it to perform the services that institution requested, support the mortgage transaction, comply with applicable law, protect the transaction and our systems, and for other permitted purposes.

If you are a borrower or loan applicant and your information was provided to us by your mortgage broker or lender, that institution may remain primarily responsible for your relationship, your loan, and certain privacy notices or requests relating to your financial information.

3. How we use information

We may use personal information to:

• Provide mortgage setup, processing, lock desk, closing, quality control and related operations services
• Process and respond to lock requests and other operational requests
• Communicate with mortgage professionals, clients, borrowers, lenders, settlement providers and other parties involved in a transaction
• Establish and manage business relationships
• Process agreements and service requests
• Operate and improve our website and internal business systems
• Maintain business and transaction records
• Protect the security and integrity of our systems, services and information
• Detect, investigate or prevent errors, misuse, fraud or security incidents
• Comply with legal, regulatory, contractual and compliance obligations
• Establish, exercise or defend legal rights
• Carry out other purposes disclosed when the information is collected or as permitted by law

We do not sell personal information for money.

4. How we share information

We may disclose personal information when reasonably necessary to provide our services or operate our business, including to:

• The mortgage broker, lender, loan officer or financial institution for which we are providing services
• Lenders, settlement providers, title companies, appraisal providers, credit providers, mortgage technology providers and other parties involved in processing or closing a mortgage transaction
• Technology, hosting, email, communications and other service providers that support our operations
• Professional advisers, auditors, insurers or others assisting with legal, compliance, security or business matters
• Government agencies, regulators, law enforcement, courts or others when disclosure is required or permitted by law

Our service providers may process information only as appropriate for the services they provide to us and subject to applicable contractual and legal requirements.

We may also disclose information as part of a merger, acquisition, financing, restructuring, sale of assets or similar business transaction, subject to applicable law.

5. Service providers and third-party technology

We use third-party services to operate our website and provide our business services, including website hosting and performance services, accessibility technology, email and communications providers, and mortgage technology platforms.

For example, our website currently uses GoDaddy for hosting and website performance and UserWay for accessibility features. Our business operations also use service providers including Microsoft 365, Resend and ARIVE. These providers may receive information needed to provide their services to us.

We do not currently permit third-party advertising networks to collect personal information through localprocessing.com for targeted advertising.

Some third-party website components may independently receive limited device, browser, IP address or interaction information when their technology loads. Their handling of that information may also be governed by their own privacy policies.

6. Cookies, tracking and Do Not Track

We do not currently use advertising cookies or third-party advertising analytics on localprocessing.com. Our website and its service providers may use cookies, server logs or similar technologies that are necessary for security, website functionality, accessibility, performance or session management.

Do Not Track

Some browsers offer a "Do Not Track" or similar privacy signal. Because we do not engage in behavioral advertising or cross-site advertising tracking through localprocessing.com, we do not currently change how the website operates in response to Do Not Track signals.

Third-party services used to operate the website may receive limited technical information as described in this Policy. We do not authorize those providers to use information collected through our website for targeted advertising on our behalf.

7. How we protect information

We maintain administrative, technical and physical safeguards designed to protect personal and customer information against unauthorized access, use, disclosure, alteration or destruction.

Our safeguards are designed with the nature and sensitivity of the information we handle, the services we provide, and applicable legal and contractual requirements in mind. Where applicable, our information security practices are designed to address the requirements of the FTC Safeguards Rule and other applicable information security obligations.

No method of electronic transmission, storage or security is completely secure, so we cannot guarantee that information will never be accessed, used or disclosed without authorization.

8. Retention

We keep personal information for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining business and transaction records, meeting contractual obligations, resolving disputes, enforcing agreements, and complying with legal and regulatory requirements.

Retention periods vary with the type of information, the mortgage transaction or service involved, our contractual obligations and applicable law. When information is no longer required, we may delete, destroy, anonymize or otherwise dispose of it in line with our policies and applicable requirements.

9. Your privacy choices and rights

Depending on where you live and the nature of the information involved, you may have rights regarding your personal information under applicable law. These may include the right to request access to, correction of, or deletion of certain personal information, or to ask questions about how it is handled.

Certain privacy laws contain exceptions for financial institutions or information governed by the GLBA. For example, Florida's Digital Bill of Rights does not apply to a financial institution or data subject to Title V of the GLBA. Other state privacy laws may contain similar exceptions. Whether a particular right applies therefore depends on the law that applies, the type of information involved, and the capacity in which we hold it.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

How to submit a request

To submit a privacy request, email hello@localprocessing.com or use the contact information in section 13. Please describe your request and give enough information for us to identify the relevant records.

To protect personal information, we may need to verify your identity before completing a request. What we need for verification depends on the nature and sensitivity of the request. We may decline or limit a request where we cannot reasonably verify identity, where an exception applies, or where we are permitted or required to keep the information.

If your information was provided to us by a mortgage broker, lender or other financial institution for which we act as a service provider, we may direct your request to that institution or coordinate with it as appropriate.

You may also contact us if you believe information we keep about you is inaccurate and would like to request a correction.

10. Children

Our website and services are intended for mortgage professionals and adults involved in mortgage transactions. They are not directed to children under 13, and we do not knowingly use the website to collect personal information from children under 13. If we learn that personal information was collected through our website from a child under 13 in circumstances requiring removal, we will take appropriate steps to address it.

11. Links to other websites

Our website may link to websites or services operated by third parties, such as LinkedIn, Facebook and Instagram. We do not control the privacy, security or content practices of third-party websites. Please review the privacy policies of any third-party service you use.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices or legal requirements. When we update it, we will revise the effective date at the top of this page.

If we make a material change to how we collect, use or disclose personal information, we will give additional notice appropriate to the circumstances. This may include a prominent notice on our website, email notice to affected clients or users when appropriate and reasonably available, or another method required by applicable law. Please review this Policy periodically.

13. Contact us

Questions, concerns, correction requests or other privacy requests may be directed to:

Local Processing, LLC
Attention: Privacy
2054 Vista Parkway, Suite 400
West Palm Beach, FL 33411
Email: hello@localprocessing.com
Phone: (561) 452-7322
NMLS #2815657