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PRIVACY POLICY



This Privacy Statement describes how United Wholesale Mortgage, LLC, a Michigan
limited liability company uses the information you provide.


INFORMATION GATHERED

You may choose to provide information about yourself in order to be contacted by
United Wholesale Mortgage, LLC, a Michigan limited liability company regarding
loan products and/or services, to receive a response to your question or
inquiry, or to gain access to your online account. Such information may include
the following:

 * Your name
 * Your company name
 * NMLS number
 * IP address
 * Contact information including phone number email address
 * Information about your business
 * Information about your interactions with UWM’s websites
 * Geolocation data
 * Professional or employment-related information
 * Financial information
 * Ot her information you choose to provide via a telephone call, letter or
   e-mail

UWM may collect the above information via the online broker agreement form,
contact fields, telephone calls, emails to UWM, letters and documentation
provided to UWM and your activity on our website.

If you are a borrower or a potential borrower and your loan officer submits a
loan application to UWM on your behalf, UWM may also receive any or all of the
following categories of personal information in order to evaluate your loan
application and credit worthiness, potentially approve and close a loan for you,
and subsequently service any approved loan.

 * Contact information: name, property address, email address, telephone numbers
 * Credit information: credit score, social security number, prior addresses,
   account information, birth date
 * Financial information
 * Employment and education information
 * Tax information
 * Forms of personal identification such as driver’s license or passport, visa
   information
 * Information about your property or the property you are attempting to
   purchase obtained through publicly available sources and/or an appraisal
 * Information about your use of UWM’s websites

Because of the financial nature of our business, UWM’s websites are not designed
for use by children under the age of 13 and those not of legal age to contract.
Therefore, UWM does not knowingly attempt to solicit or receive any information
from children. Additionally, UWM does not have services available for those
younger than the legal age to contract and as such does not knowingly attempt to
solicit or receive any information from those under the age of 16. UWM does not
sell the personal information of minors.


HOW INFORMATION IS COLLECTED

The personal information UWM receives about you is provided: by you directly to
UWM; on your loan application; online forms you complete; documentation provided
in connection with the underwriting process or for consideration of a loan
modification; information and/or documentation you provide to be approved to
submit loans to UWM; emails and letters you send to UWM; phone calls with UWM;
and your activity on UWM websites.


MANDATORY AND OPTIONAL INFORMATION

UWM identifies for you what information is required to fulfill any particular
request on our Website, be considered for approval to submit loans to UWM, and
be considered for a residential mortgage loan. If you choose not to provide
mandatory information, UWM will not be able to provide you the service you are
requesting.


USE

Primarily, the information you provide will be used to: contact you and better
understand your wholesale lender needs; allow access to our servicing system if
you have a loan with us; review your loan application or broker application for
approval; and underwrite your loan request. You understand that by submitting
your information through this Website or one of UWM’s other company websites or
by other means to UWM, you agree to be contacted regardless of registration with
any federal, state or local Do Not Call list, Do Not Mail list, or any other
comparable list or registry. By providing information to UWM through this
Website, a telephone call, an e-mail, letter or by any other means permitted by
UWM, you authorize UWM to engage in the following uses of your information:

 * to improve its products and services
 * to periodically market its products and services, telemarket its products and
   services, and send promotional emails and advertisements to you
 * to contact you
 * to perform services you request of UWM including but not limited to reviewing
   credit worthiness for requested loan approval, service your UWM loan, respond
   to your inquiries/requests, underwrite your loan application, review your
   account for possible loan modification
 * to complete any other task requested of UWM or necessary to perform the
   underlying services for which you have contacted UWM directly or indirectly
   via your loan officer

If you do not wish to receive information regarding UWM products and services,
you may opt-out during your account registration, within any future
communications or by sending an Email to info@uwm.com. Please designate within
your opt-out request your email address, property address, loan number (if
applicable), and telephone number as well as from what communications you wish
to opt-out. You may also update your contact preferences by logging into your
account. There are situations when we disclose your information to third
parties. For example, we may share your email address and other personal
information with mortgage brokers regarding mortgage products that may be
available to you.

While we respect and honor your privacy preferences as you have expressed, there
may be times we need to contact you to inform you of a specific change that may
have an impact on your ability to use UWM’s services or other critical
non-marketing purposes. We may also contact you to respond to any specific
request you may submit.


SECURITY

UWM has measures in place directed to safeguarding the information you provide.
Such measures include, but are not limited to, implementing policies and
procedures regarding data security.

Please note, no data transmission over the Internet or any wired or wireless
network can be guaranteed to be 100% secure. UWM recommends you do not send any
confidential information and/or nonpublic personal information by e-mail. If you
choose to send confidential information and/or nonpublic personal information to
UWM via e-mail, you accept all risk that such information may be intercepted by
a third party.


SERVICE PROVIDERS

For certain aspects of the loan process and to provide certain services to you,
UWM employs or utilizes service providers including, but not limited to,
appraisal management companies, title companies, closing attorneys, due
diligence firms, sub-servicers, consultants, temporary workers, attorneys,
third-party developers and technology companies and others as necessary. For
example, we may utilize service providers to send Emails to you. In order for
service providers to assist UWM, we may need to share your personally
identifiable information. Service providers are not authorized and are strictly
prohibited from utilizing your personally identifiable information for any
purpose other than those proscribed by UWM in connection with the services they
provide on UWM’s behalf. There are situations when we disclose your information
to third parties. For example, we may share your email address and other
personal information with mortgage brokers regarding mortgage products that may
be available to you.


LEGAL DISCLOSURE

At times, UWM may be required to disclose your personal information to
including, but not limited to, state and federal agencies, regulatory
authorities, attorneys, and/or other parties as the result of a legal
obligation, subpoena, or legal requirement.


WEB TECHNOLOGIES

 * Cookies: A “cookie” is a small file that is assigned by the web server to
   your computer. The use of cookies allows UWM to identify which pages of the
   site are accessed. That information is then used to improve the Website and
   your online experience. Assigning a cookie to your computer does not provide
   UWM access to your computer or any of the information contained on your
   computer and your computer is not harmed by UWM’s use of cookies. Most web
   browsers afford you the option of modifying your settings to reject cookies
   should you choose. However, declining cookies may interfere with your ability
   to take full advantage of the features of this Website.
 * Website Usage Data: Our websites may track usage data, including but not
   limited to, your IP address, your page views and links clicked, your browser
   type and version, and other aspects of how you interact with UWM’s websites.
   UWM utilizes this information in the aggregate and on an individual level to
   better understand how our website is being used, to improve site offerings,
   for troubleshooting and other issue resolution purposes. This data may also
   be utilized to help UWM provide coaching on the various tools the site has to
   offer and provide you with a more personalized website experience or assist
   with technical support questions. We may also utilize it to send you specific
   offers or promotions. If you do not wish to receive offers or promotions,
   simply indicate your preferences through your online account or send an Email
   to info@uwm.com. You can also follow the instructions at the bottom of any
   particular Email from UWM to manage your notification preferences. Again, UWM
   does not share your information with third-party companies for their
   marketing or promotional use and we do not track URLs that you type into your
   browser, nor do we obtain any information about your usage across the
   internet once you leave UWM’s websites.


CHANGE IN CONTROL

Your information may be transferred in connection with a sale, merger, transfer,
exchange or other disposition (whether assets, stock or otherwise) of all or a
portion of the business of UWM. You will have the opportunity to opt-out of
further secondary use of your information following any such change in control.


SOCIAL MEDIA AND THIRD-PARTY LINKS

UWM has a presence on various social media outlets in an effort to connect with
our clients, customers and to connect with potential clients. Your activity on
third-party websites is governed by the security, policies and terms of use of
each third-party website. You should review the privacy policies of the
third-party website before using it and ensure you understand how your
information may be used before providing it. The information posted on or
directed on UWM social media profiles is generally available to the public. To
protect your privacy, do not include sensitive personal information or any other
information you want to keep private in your social media activity, comments or
responses. Any information shared on UWM’s social media pages may be archived
independently on, and retention of such information is governed by, the
third-party website.

You might find links to third party websites on this Website. These websites
should have their own privacy policies which you should read and understand
before using their site. UWM does not accept any responsibility or liability for
their policies or for the security of information you submit through a
third-party website whatsoever as UWM has no control over third-party websites.


CHANGES TO OUR PRIVACY STATEMENT

UWM reserves the right to modify this Privacy Statement at any time without
notice, but the most current version of the Privacy Statement is available to
you by clicking on the link at the bottom of this Website. By continuing to use
the Website and the services available through it, after the date of any change
to this Privacy Statement, including accessing the Website, you agree and
acknowledge acceptance of the Privacy Statement in its most current version.


TERMS AND CONDITIONS

Please see the UWM Terms of Use Statement for other details that are applicable
to and regard your use and access of this Website by clicking the link at the
bottom of this page.


RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED, DISCLOSED OR SOLD

You have the right to request UWM disclose what personal information it
collects, uses, discloses and sells. UWM has outlined above the general
categories of information collected from you directly or received by UWM via
your licensed loan officer. UWM does not sell your personal information and only
discloses to third-parties who are performing services on behalf of UWM or
assisting UWM with another business need or purpose.

If you would like additional information about what personal information UWM
collects and how it is used, disclosed, and sold (UWM does not sell your
personal information), you can submit a verifiable consumer request via
telephone by calling 800-981-8898 and asking for our Consumer Advocate Team or
by email to consumeradvocate@uwm.com. You can also submit your request in
writing by mailing it to:

United Wholesale Mortgage
c/o Consumer Advocate Team
585 South Blvd. E.
Pontiac, MI 48341

In order to respond to your request for information, UWM will need sufficient
information to verify your identify. Please include with your request your name,
property address, NMLS number (if applicable), loan account number (if
applicable), last four digits social security number and/or any other
information that may help UWM verify your identity.


CALIFORNIA CONSUMERS - RIGHT TO ACCESS, REQUEST DELETION, OR OPT-OUT FROM SALE
OF PERSONAL INFORMATION:

You have the right to request (1) access to your personal information, (2) to
opt-out of “sales” of personal information (UWM does not sell your personal
information), and (3) the deletion of your personal information. However, please
understand that as a licensed mortgage lender, UWM is required to comply with
applicable rules, regulations and guidelines, which dictate how UWM retains your
personal information and account information.

You can submit a verifiable consumer request via telephone by calling
800-981-8898 and asking for our Consumer Advocate Team or by email to
consumeradvocate@uwm.com. You can also submit your request in writing by mailing
it to:

United Wholesale Mortgage
c/o Consumer Advocate Team
585 South Blvd. E.
Pontiac, MI 48341

You may also designate an authorized agent to make a request under the
California Consumer Privacy Act (CCPA) by following UWM’s third-party
authorization processes.

In order to respond to your request for information, UWM will need sufficient
information to verify your identify. Please include with your request your name,
property address, NMLS number (if applicable), loan account number (if
applicable), last four digits social security number and/or any other
information that may help UWM verify your identity.


NON-DISCRIMINATION STATEMENT

UWM does not discriminate against any consumer exercising their privacy rights
conferred by the CCPA.


AGREEMENT

By using this Website, you agree to UWM’s Privacy Statement and to the use of
the information UWM receives and collects as stated herein and in ways UWM may
notify you of in the future. By providing any personal information to this site,
you acknowledge that you fully understand and consent to the collection and
processing of such information. UWM reserves the right at its discretion to
modify this Privacy Statement at any time. Your continued use of this site
following the posting of changes to these terms indicates your acknowledgment
and acceptance of all changes.


QUESTIONS?

Should you still have questions regarding UWM’s use of your information, privacy
policies and practices, you may contact UWM using the below information:

United Wholesale Mortgage
585 South Blvd E.
Pontiac, MI 48341
info@uwm.com
(800) 981-8898



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privacy practices and additional choices available to you.

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