Privacy Policy
Effective Date: July 30, 2025
ClearPath Utah Mortgage (“ClearPath,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or interact with our services.
This policy is designed to comply with applicable federal and state privacy laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and the Utah Consumer Privacy Act (UCPA), as applicable.
1. Who We Are
ClearPath Utah Mortgage (a DBA of Capital Financial Group) is a licensed mortgage broker serving Utah-based homeowners and buyers. Our services are intended for U.S. consumers, and we do not knowingly solicit or retain data on individuals under the age of 16.
ClearPath Utah Mortgage NMLS #251050 | Capital Financial Group NMLS #3146
2. Information We Collect
We collect information in three ways: (1) information you provide to us, (2) information collected automatically through your interactions with our website, and (3) information received from third parties.
A. Information You Provide
We may collect:
- Name, phone number, email, and mailing address Social Security Number (SSN) or government-issued ID (when applicable) Financial information (income, employment, assets, liabilities) Loan preferences and history Property information Communication preferences
B. Information Automatically Collected
- IP address and browser type Device identifiers and OS version Pages viewed and links clicked Cookies and similar tracking data Location data (if enabled)
C. Information From Third Parties
- Credit reports from credit bureaus Financial data from verification services (e.g., Plaid) Public databases or data brokers Real estate partners and referral sources
3. How We Use Your Information
We use your information to:
- Process loan applications and deliver mortgage services Verify identity and assess creditworthiness Provide customer support and communicate with you Personalize your website experience Send marketing communications (you can opt out) Improve services, detect fraud, and comply with legal obligations
4. Sharing of Information
We do not sell your personal information. We may share your data with:
- Mortgage processors, lenders, and underwriting partners Third-party service providers (e.g., IT, marketing, analytics) Credit bureaus, fraud prevention partners, or regulators (as required by law) Real estate agents, insurance providers, or other professionals at your direction Legal or government authorities if required to comply with applicable laws
We may also share aggregated or de-identified information that cannot reasonably be used to identify you.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Analyze usage patterns Improve site performance Personalize content and ads Remember preferences
You may disable cookies in your browser, though some features may not function correctly. We honor Global Privacy Control and browser-based “Do Not Track” signals to the extent required by law.
6. Advertising and Analytics
We may work with third parties to:
- Conduct analytics using cookies, SDKs, or pixels Serve interest-based ads across platforms Deliver targeted offers based on your preferences
To opt out of third-party behavioral advertising, visit:
www.aboutads.info/choices
7. Your Privacy Choices and Rights
Depending on your state of residence, you may have the right to:
- Access the personal data we collect about you Request correction or deletion of your information Opt out of sharing or targeted advertising Limit the use of sensitive personal information Appeal decisions related to your data requests
To submit a request, email [email protected] or call (801) 891-1846. You may be required to verify your identity.
8. Data Security
We implement administrative, technical, and physical safeguards, including SSL encryption and limited access controls, to protect your personal data.
Despite our efforts, no system is completely secure. We encourage you to take steps to protect your personal information, including using secure passwords and avoiding sharing sensitive data in unsecured messages.
9. Children’s Privacy
Our services are not intended for children under 16. We do not knowingly collect data from children.
10. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for their privacy practices. We encourage you to review the privacy policies of those sites.
11. Retention of Information
We retain personal information as long as necessary to:
- Fulfill the purposes outlined in this policy Comply with legal obligations Resolve disputes and enforce our agreements
When no longer needed, data is securely deleted or anonymized.
12. Changes to This Privacy Policy
We may update this policy periodically. The “Effective Date” at the top reflects the last revision. Significant changes will be posted on our website or communicated to you directly.
13. Contact Us
If you have questions or concerns about this Privacy Policy or your personal data, please contact:
ClearPath Utah Mortgage
10168 South 2505 East, Sandy, UT 84092
[email protected]
(801) 891-1846
PRIVACY POLICY | DISCLOSURES & LICENSES | TERMS OF USE
NOTICE AT COLLECTION | COMMUNICATIONS OPT-OUT | SITE ACCESSIBILITY
DO NOT SELL OR SHARE MY PERSONAL INFORMATION | SERVICE AREAS | BUY A HOME | FOR REALTORS
NMLS #2510508 | FAIR LENDER | FAIR HOUSING
Powered by Capital Financial Group, Inc. – NMLS #3146. ClearPath Utah Mortgage – NMLS #2510508 – 10168 South 2505 East, Sandy, UT 84092. Ph. 801-891-1846. (www.nmlsconsumeraccess.org) Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Equal Housing Lender. APPLY / LOGIN