Privacy Policy

Effective Date: October 28, 2026

Oak Capital Mortgage, LLC respects your privacy. We use the information you provide to respond to your requests, help you explore mortgage options, and assist you in obtaining financing. This policy explains how we collect, use, retain, and protect that information.

About This Policy

This policy explains how Oak Capital Mortgage, LLC handles information collected through our website, inquiry forms, and communications. If you ask us about a mortgage or apply for a loan through us, our Consumer Privacy Notice also applies. It describes how we share nonpublic personal information about consumers and customers, including with our affiliates, and the choices you have under federal law.

Information We Collect

The information we collect depends on the services you request.

When you contact us, we may collect your name, email address, telephone number, and information about your financing needs.

When you apply for a mortgage, we may collect additional information necessary to evaluate and process your application, including your address, Social Security number, employment, income, assets, debts, credit history, and property information.

We may receive information directly from you, from documents you provide, and from credit reporting agencies, employers, financial institutions, or others involved in verifying your application information, as authorized or permitted by law.

How We Use Your Information

We use your information to:

• Respond to questions and requests for assistance.
• Evaluate mortgage options and help you obtain financing.
• Verify information and process your loan application.
• Communicate about your financing needs and application.
• Maintain business records, prevent fraud, and meet applicable legal and regulatory obligations.

When Information May Be Shared

We do not sell your personal information or provide it to outside companies for their independent marketing.

To help you obtain financing, we may provide necessary information to lenders, credit reporting agencies, title and settlement providers, and other parties involved in evaluating, processing, or closing your loan.

Our affiliates. Oak Capital Mortgage is affiliated with Oak Capital Title, LLC, a title insurance company, and Oak Title Ventures, LLC, through common ownership.

• If you choose Oak Capital Title for your title insurance, we share the information needed to provide title insurance for your transaction.
• We do not share your credit, income, or asset information with our affiliates.
• Our affiliates do not use information from us to market to you.
• If we refer you to Oak Capital Title, you will receive an Affiliated Business Arrangement Disclosure explaining the relationship. You are not required to use Oak Capital Title.

Service providers supporting our mortgage operations, communications, website, and document systems may also process information needed to provide those services.

We may disclose information when you authorize us to do so or when disclosure is required or permitted by law. These disclosures are subject to applicable privacy requirements, including our Consumer Privacy Notice.

Email, Phone, and Text Communications

When you request mortgage assistance or provide your contact information, Oak Capital Mortgage may contact you about your inquiry, financing options, and related mortgage services by email, telephone, or text, as permitted by applicable law and consistent with any consent you provide. You may opt out of marketing communications at any time. Where additional consent is required for a communication method, we will obtain that consent before using it.

Text Messaging (SMS)

If you agree to receive text messages from Oak Capital Mortgage, LLC, we will text you about your inquiry and related mortgage services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive texts is not a condition of any purchase or loan.

We do not share your mobile phone number, text messaging consent, or text messaging opt-in information with third parties or affiliates for their marketing or promotional purposes. We do not use your mobile phone number for advertising matching. Mobile information may be shared only with service providers that help us deliver our messages (such as our messaging platform and carriers), and only for that purpose. See our SMS Terms & Conditions.

Information Retention and Protection

We retain information as needed to assist with your financing, maintain business records, and satisfy applicable legal and regulatory requirements. Some records may need to be retained after an inquiry or loan transaction ends.

We treat personal information as confidential and take steps to protect it against unauthorized access, use, or disclosure. No electronic transmission or storage system can be guaranteed completely secure.

Please do not send Social Security numbers, account numbers, or financial documents through general website inquiry forms. Contact our team for instructions on submitting sensitive information.

Website Technologies, Advertising, and Measurement

Our website and its service providers may use cookies or process technical information to support website functionality and security.

Analytics and advertising tools. We use Google and Meta tags, pixels, and cookies to measure how our website and our advertising perform. These tools collect information about your device and how you use our website, such as pages viewed and links clicked, the site that referred you, your browser and device type, approximate location based on your IP address, and whether you submitted a form or tapped to call us. We use:

• Google Tag Manager to manage these tools;
• Google Analytics 4 to understand how visitors use our website so we can improve it;
• Google Ads to measure the results of our Google advertising, and possibly to show our ads to people who have visited our website;
• Meta Pixel to measure the results of our Facebook and Instagram advertising, and possibly to show our ads to people who have visited our website.

We do not send your name, email address, phone number, or loan information to Google or Meta. That includes your answers about your property, income, credit, military service, or loan needs. The tools learn only that a form was submitted or a call link was tapped.

Ad click information we keep. If you reach our website by clicking an ad, the ad platform may add a click identifier to the web address. We may store that identifier with your inquiry in our own systems to understand which ads lead to inquiries. We do not send it back to the ad platforms with your information.

Google and Meta process information under their own privacy policies: Google Privacy Policy and Meta Privacy Policy.

Your choices. You can block or delete cookies in your browser settings. Some parts of the website may not work as intended if you do. You can also:

• opt out of Google Analytics with the Google Analytics Opt-out Browser Add-on;
• manage ad personalization from Google at My Ad Center;
• manage ad preferences from Meta in your Facebook or Instagram settings.

Our website may link to external services, including mortgage application platforms. Those services may have their own privacy policies, which we encourage you to review.

Questions and Requests

You may contact us with questions about this policy, to correct information you have provided, or to ask about applicable privacy choices. Requests are subject to identity verification and any requirements to retain information.

Oak Capital Mortgage, LLC
1800 Central Ave, Suite 301
Charlotte, NC 28205
Phone: 704-275-8175
Email: hello@oakcapitalmortgage.com

Policy Updates

We may update this policy as our services, practices, or applicable requirements change. The current version and its effective date will be posted on our website.

Effective October 28, 2026