Privacy Policy

NNB Financial, Inc | NMLS #2435057 | Effective Date: March 2026 Licensed Mortgage Broker | Tampa, Florida | (813) 440-2676

1. Introduction & Scope

NNB Financial, Inc ("NNB Financial, Inc," "we," "us," or "our") is a licensed mortgage broker headquartered in Tampa, Florida. This Privacy Policy describes how we collect, use, disclose, and protect personal information obtained from individuals who visit our website, submit inquiries, or apply for mortgage products and services. This policy applies to all personal information collected through our website, online application portals, telephone interactions, in-person meetings, and third-party referral sources. It applies to prospective borrowers, current borrowers, co-borrowers, and website visitors. By using our website or submitting a loan inquiry or application, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We collect personal information necessary to evaluate loan eligibility, process applications, service loans, and comply with applicable law. The categories of information we collect include:

Information You Provide Directly

Full legal name, date of birth, Social Security Number, government-issued ID, residential history, contact information (phone, email), employment history, income/financial documentation, and property details.

Information We Collect Automatically

IP address, browser type, device identifiers, and site usage data.

Information From Third Parties

Credit reports (from consumer reporting agencies), income/employment verification, property appraisals, title information, and public records.

3. How We Use Your Information

•Loan Origination: Processing your application, underwriting, and funding your loan.
•Identity Verification: Protecting against fraud and unauthorized transactions.
•Credit Evaluation: Reviewing credit history as permitted under the Fair Credit Reporting Act (FCRA).
•Regulatory Compliance: Meeting obligations under the Gramm-Leach-Bliley Act (GLBA), RESPA, TILA, BSA/AML, and Florida state laws.
•Communication: Updating you on loan status and responding to inquiries.

4. Information Sharing & Third Parties

We do not sell or rent your personal information to third parties for their independent marketing use. We share personal information only as described below:

Service Providers

We disclose information to trusted vendors who perform services on our behalf, such as credit bureaus, appraisers, title companies, loan servicing platforms, and technology providers. These parties are contractually obligated to protect your data.

Legal & Regulatory

We may disclose information when required by law, subpoena, court order, or regulatory examination (e.g., to the Florida Office of Financial Regulation or CFPB).

Business Transfers

In the event of a merger, acquisition, or corporate restructuring, customer information may be transferred as a business asset.

5. How We Protect Your Information

We take your privacy seriously. NNB Financial, Inc maintains a Written Information Security Program (WISP) and administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction, consistent with the GLBA Safeguards Rule and applicable Florida data protection requirements. These measures include access controls, secure data storage, and employee training on data security. However, no data transmission over the internet is entirely without risk.

6. Cookies & Tracking

Our website uses cookies and similar technologies to support site functionality and analyze traffic. You may control cookie preferences through your browser settings, though this may affect website performance. We do not currently respond to "Do Not Track" (DNT) browser signals.

7. Your Rights & Choices

Opt-Out of Marketing

You may opt out of receiving marketing emails by clicking "unsubscribe" in any email or contacting us directly. (Note: You cannot opt out of transactional emails related to your active loan application).

FCRA Rights

Under the Fair Credit Reporting Act, you have the right to know if information in your credit file has been used against you, to dispute inaccuracies, and to access your file.

Reviewing Your Information

You have the right to review and correct your personal information held by us.

8. TCPA Consent & Communication

By providing your telephone number(s) to NNB Financial, Inc, you expressly consent to receive calls, text messages (SMS/MMS), and prerecorded or artificial voice messages from NNB Financial, Inc and its authorized representatives.

•Purpose: Communications related to your loan inquiry, application, or account servicing.
•Methods: Calls/texts may be made using an automatic telephone dialing system (ATDS).
•Revocation: Consent is not a condition of purchase. You may revoke consent at any time by replying "STOP" to any text message or requesting to be placed on our Do Not Call list.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with federal and state record retention laws (typically a minimum of 3 years after loan consummation). When data is no longer needed, it is securely destroyed.

10. Contact Us

Rafael Antonio Milanes III NNB Financial, Inc 8370 W Hillsborough Ave. #201, Tampa, FL 33615 Email: Rafael.Milanes@NNBFinancial.com Main: (813) 440-2676 | Direct: (813) 732-5679 NMLS Consumer Access: www.nmlsconsumeraccess.org Equal Housing Lender | NMLS #2435057