Kaplan Mortgage Company

Effective Date: February 26, 2026

Last Updated: February 26, 2026

Welcome to Kaplan Mortgage Company (“Company,” “we,” “our,” or “us”). We are a mortgage brokerage business located in the State of Florida. We are committed to protecting your privacy and safeguarding your personal information.

This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website hosted on Google Sites (“Website”) or use our services.

1. Information We Collect

We may collect the following types of information:

A. Personal Information

When you fill out forms, request information, or apply for mortgage services, we may collect:

Full name
Email address
Phone number
Mailing address
Employment information
Income and financial details
Social Security number (when required for loan processing)
Credit and banking information
Property information

B. Automatically Collected Information

When you visit our Website, we may automatically collect:

IP address
Browser type
Device information
Pages visited
Date and time of access

Google Sites may also collect data in accordance with Google’s Privacy Policy.

2. How We Use Your Information

We use your information to:

Provide mortgage brokerage services
Process loan applications
Communicate with you about your loan or inquiry
Verify identity and prevent fraud
Comply with federal and Florida state regulations
Improve our website and services
Send important service-related updates

We do not sell your personal information to third parties.

3. How We Share Your Information

We may share your information with:

Lenders and financial institutions
Credit reporting agencies
Loan processors and underwriting partners
Title companies and closing agents
Government agencies when required by law
Service providers who assist in operating our business

All third parties are required to maintain the confidentiality of your information.

4. Cookies and Tracking Technologies

Our Website may use cookies or similar tracking technologies to enhance user experience and analyze site traffic. You can disable cookies through your browser settings.

Google may use analytics tools in accordance with its own privacy policies.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse.

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights (Florida & Federal Law)

As a Florida resident, you may have certain rights regarding your personal information, including:

The right to request access to your personal data
The right to request correction of inaccurate information
The right to request deletion of certain data (subject to legal and regulatory retention requirements)

Mortgage brokers are also subject to federal laws including:

The Gramm-Leach-Bliley Act (GLBA)
Fair Credit Reporting Act (FCRA)

You may contact us to exercise your rights.

7. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

9. Data Retention

We retain personal information as long as necessary to:

Fulfill the purposes outlined in this policy
Comply with legal, regulatory, and recordkeeping requirements

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.

11. Contact Us

If you have any questions about this Privacy Policy or your personal information, please contact:

Kaplan Mortgage Company

Delray Beach, Fl 33444

Email: J@flhomelending.com

TERMS & CONDITIONS

Effective Date: February 26, 2026

Last Updated: February 26, 2026

Welcome to Kaplan Mortgage Company (“Company,” “we,” “our,” or “us”), a licensed mortgage brokerage operating in the State of Florida. By accessing or using this website (“Site”), you agree to the following Terms & Conditions.

If you do not agree with these Terms, please do not use this Site.

1. Not a Commitment to Lend

This website is for informational purposes only. Nothing on this Site constitutes:

A commitment to lend
A loan approval
A guarantee of rates or terms
Financial, tax, or legal advice

All loan applications are subject to credit approval, underwriting guidelines, and property approval.

2. Licensing Disclosure

Kaplan Mortgage Company is a licensed mortgage broker in the State of Florida.

Florida Mortgage Broker License #: MBR974

NMLS ID #: 272619

You may verify our license through the

Nationwide Multistate Licensing System & Registry (NMLS Consumer Access)

at: https://www.nmlsconsumeraccess.org

3. User Responsibilities

By using this Site, you agree:

To provide accurate and truthful information
Not to submit false or fraudulent loan applications
Not to misuse the Site or attempt unauthorized access
Not to transmit malicious software

4. Intellectual Property

All content on this Site, including text, logos, graphics, and design elements, is the property of [Business Name] unless otherwise stated and may not be copied or reproduced without permission.

5. Third-Party Services

We may link to third-party websites such as lenders, title companies, or service providers. We are not responsible for their content, security, or privacy practices.

6. Electronic Communications Consent

By submitting information through this Site, you consent to:

Being contacted by phone, email, or text message
Receiving communications regarding mortgage products
Electronic delivery of disclosures and documents where permitted by law

Standard messaging and data rates may apply.

7. Limitation of Liability

To the fullest extent permitted by Florida law, Kaplan Mortgage Company shall not be liable for:

Any direct or indirect damages arising from Site use
Errors or omissions in website content
Temporary unavailability of the Site

8. Governing Law

These Terms are governed by the laws of the State of Florida and applicable federal law.

9. Changes to Terms

We may update these Terms at any time. Continued use of the Site constitutes acceptance of updated Terms.

GRAMM-LEACH-BLILEY ACT (GLBA) PRIVACY NOTICE

FACTS

WHAT DOES Kaplan Mortgae Compnay DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number
Income and employment information
Credit history and credit scores
Account balances and transaction history
Property and loan information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Reason for Sharing

Do We Share?

Can You Limit?

For our everyday business purposes (processing loans, maintaining accounts, responding to court orders, legal investigations)

Yes

For our marketing purposes

Yes

For joint marketing with other financial companies

Yes

For our affiliates’ everyday business purposes

N/A

For non-affiliates to market to you

We Do Not Share

How We Protect Your Information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include:

Computer safeguards
Secured files and buildings
Encryption and secure transmission methods

How We Collect Your Information

We collect your personal information, for example, when you:

Apply for a loan
Provide income information
Give us your contact information
Authorize us to obtain your credit report

We may also collect your information from:

Credit bureaus
Lenders
Other financial institutions

Questions?

Contact:

Kaplan Mortgage Company

J@flhomelending.com

Delray Beach, FL 33444

Kaplan Mortgage Company

NMLS ID #: 272619

Licensed as a Mortgage Broker in the State of Florida.

For licensing information, please visit the

Nationwide Multistate Licensing System & Registry (NMLS Consumer Access) website at:

https://www.nmlsconsumeraccess.org

Equal Housing Lender Disclosure

We are an Equal Housing Opportunity Mortgage Broker.

We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Accessibility Statement

Effective Date: February 26, 2026

Last Updated: February 26, 2026

Kaplan Mortgage Company is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying relevant accessibility standards.

Our Commitment

Kaplan Mortgage Company strives to ensure that our website is accessible to individuals with disabilities in accordance with:

The Americans with Disabilities Act (ADA)
Section 504 of the Rehabilitation Act
Applicable Florida law

We aim to follow the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards as our accessibility benchmark.

Accessibility Features

Our website strives to:

Provide text alternatives for non-text content
Maintain sufficient color contrast
Allow keyboard navigation
Use clear headings and readable fonts
Support screen readers and assistive technologies
Provide responsive design for various devices

Because our website is hosted using Google Sites, some accessibility functionality is supported through the Google platform infrastructure.

Ongoing Efforts

We are continuously working to improve accessibility and usability. We regularly review our website to identify and address potential accessibility barriers.

Need Assistance?

If you experience difficulty accessing any part of our website or need assistance with any of our services, please contact us:

Kaplan Mortgage Company

NMLS ID #272619

Licensed Mortgage Broker – Florida

Email: J@flhomelending.com

We will make reasonable efforts to accommodate your needs and provide the requested information in an accessible format.

Third-Party Content

While we strive to ensure accessibility on our website, we may link to third-party websites or services. We cannot guarantee the accessibility of third-party content but encourage vendors and partners to provide accessible digital experiences.