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(361) 576-9889

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(361) 576-9889

info@almvictoria.com

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(361) 576-9889

NMLS# 2730571

Copyright © 2025 American Liberty Mortgage, Inc. provides home loans, mortgage rates & mortgage refinance programs. | All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting & credit approval. Some products may not be available in all states and restrictions apply. | American Liberty Mortgage, Inc. | 5003 John Stockbauer Dr., Unit A  – Victoria, TX 77904  | 361-576-9889 | NMLS# 2730571 | Licensed by Colorado Division of Real Estate, Arizona Mortgage Broker License: BK – 1003394 Arizona Department of Financial Institutions,FL Office of Financial Regulation, | American Liberty Mortgage, Inc. is an Equal Housing Opportunity Lender | www.nmlsconsumeraccess.org | Developed by Subsilio Consulting, LLC

Figure: 7 TAC §80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

Copyright © 2025 American Liberty Mortgage, Inc. | Developed by Subsilio Consulting, LLC

American Liberty Mortgage logo with a liberty bell icon, representing home loans and mortgage services in Victoria, TX.
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Frequently Asked Questions
What is the privacy policy?
The privacy policy outlines how ALM Victoria collects, uses, and protects personal information, ensuring users are informed about their data rights and the measures in place to safeguard their privacy.
What is a privacy policy on a website?
A privacy policy on a website is a legal document that outlines how the site collects, uses, stores, and protects users' personal information, ensuring transparency and compliance with privacy laws.
What is in a privacy policy?
A privacy policy outlines the types of personal information collected, how it is used, stored, and protected, as well as users' rights regarding their data and compliance with applicable privacy laws.
What is a website privacy policy?
A website privacy policy is a legal document that outlines how a website collects, uses, protects, and manages users' personal information. It informs users of their rights regarding their data and ensures transparency in data handling practices.
What is a privacy policy for a website?
A privacy policy for a website is a legal document that outlines how the site collects, uses, and protects users' personal information, ensuring transparency and compliance with privacy laws.
What information does a privacy policy include?
A privacy policy includes information about the types of personal data collected, how it is used, data protection measures, user rights, and retention practices, ensuring transparency in how personal information is handled.
How is personal data protected in privacy policies?
Personal data is protected in privacy policies through measures such as encryption, secure storage, and restricted access to ensure that personal information is handled responsibly and safeguarded against unauthorized use or breaches.
What rights do users have under privacy policies?
Users have rights under privacy policies that typically include the ability to access their personal data, request corrections, and demand deletion of their information, as well as the right to withdraw consent for data processing.
How often should a privacy policy be updated?
The frequency of updating a privacy policy is essential for compliance and transparency. A privacy policy should be reviewed and updated at least annually or whenever there are significant changes to data practices, laws, or business operations.
What are common elements of a privacy policy?
Common elements of a privacy policy include the types of personal information collected, how it is used, data sharing practices, security measures, user rights, and retention periods for the data.
Why is a privacy policy important for websites?
A privacy policy is important for websites because it establishes transparency about how personal information is collected, used, and protected. It helps build trust with users and ensures compliance with legal requirements regarding data privacy.
How does a privacy policy affect user trust?
A privacy policy significantly affects user trust by demonstrating a company's commitment to protecting personal information. When users understand how their data is collected, used, and safeguarded, they are more likely to feel secure and confident in engaging with the business.
What should be disclosed in a privacy policy?
A privacy policy should disclose the types of personal information collected, how it is used, data sharing practices, security measures, user rights, and retention policies to ensure transparency and trust.
How to create an effective privacy policy?
Creating an effective privacy policy involves clearly outlining the types of personal information collected, how it is used, and the measures taken to protect it, ensuring transparency and compliance with applicable privacy laws.
What is the purpose of a privacy policy?
The purpose of a privacy policy is to inform users about how their personal information is collected, used, and protected by a company, ensuring transparency and compliance with applicable privacy laws.
How do privacy policies comply with laws?
Privacy policies comply with laws by outlining how personal information is collected, used, and protected in accordance with applicable regulations, ensuring transparency and user rights while adhering to data protection standards.
What happens if a privacy policy is violated?
If a privacy policy is violated, it can lead to legal consequences for the organization, including fines, lawsuits, and damage to its reputation. Users may also have the right to seek redress for any harm caused by the violation.
How can users access a websites privacy policy?
Users can access a website's privacy policy by locating the link typically found in the footer section of the website. This link provides detailed information about how personal data is collected, used, and protected.
What distinguishes a good privacy policy?
A good privacy policy is distinguished by its clarity, transparency, and comprehensiveness, effectively informing users about data collection practices, usage, and their rights while ensuring compliance with applicable privacy laws.
How do privacy policies handle third-party data?
Privacy policies address third-party data by specifying how personal information may be shared with external entities. They outline the types of data shared, the purpose of sharing, and the measures taken to protect user information during such transactions.
What is the role of consent in privacy policies?
The role of consent in privacy policies is crucial, as it ensures that users are informed and agree to how their personal data is collected, used, and shared, thereby protecting their privacy rights.
How do privacy policies address data retention?
Privacy policies address data retention by outlining the duration for which personal data is stored, the criteria for determining retention periods, and the processes for securely disposing of data once it is no longer needed.
What are the consequences of not having a privacy policy?
The consequences of not having a privacy policy include potential legal penalties, loss of customer trust, and increased risk of data breaches, which can harm both your reputation and business operations.
How can privacy policies be enforced?
Privacy policies can be enforced through legal regulations, regular audits, and user consent mechanisms. Organizations must adhere to these policies and can face penalties for non-compliance, ensuring the protection of personal information.
What is the difference between privacy policy and terms of service?
The difference between a privacy policy and terms of service lies in their focus. A privacy policy outlines how a company collects, uses, and protects personal information, while terms of service define the rules and guidelines for using the company's services.
How do privacy policies vary by region?
Privacy policies vary by region due to differing legal frameworks and cultural attitudes towards data protection. Each region may have specific regulations that dictate how personal information is collected, used, and safeguarded.
What should businesses consider when drafting privacy policies?
When drafting privacy policies, businesses should consider transparency, the types of personal information collected, how it will be used, data security measures, retention periods, and compliance with applicable privacy laws to protect user rights effectively.
How do privacy policies impact data sharing practices?
Privacy policies significantly influence data sharing practices by outlining how personal information is collected, used, and shared with third parties. They establish transparency and user consent, ensuring compliance with privacy laws and fostering trust between users and the company.
What are the best practices for privacy policies?
The best practices for privacy policies include clearly outlining data collection methods, usage, and sharing practices, ensuring transparency, using plain language, regularly updating the policy, and complying with relevant privacy laws to protect user rights.
How can users report privacy policy violations?
Users can report privacy policy violations by contacting ALM Victoria directly through our customer service channels, including phone or email, where our team will address their concerns promptly and thoroughly.