Effective Date: May 18, 2026 | Last Reviewed: May 18, 2026
Valor Mortgage, LLC (“we,” “us,” or “our”) is a DBA of Christopher Armantrout, an independent contractor of Encore Lending Group, LLC. This Privacy Policy describes how we collect, use, share, and protect your personal and financial information when you visit our website, interact with us online, or apply for mortgage products and services.
By using our website or submitting information to us, you consent to the practices described in this Privacy Policy. This Privacy Policy should be read alongside our Gramm-Leach-Bliley Act (GLBA) Privacy Notice below, which governs our handling of your non-public personal financial information as required by federal law.
1. Federal Privacy Notice (GLBA)
As a licensed mortgage originator, we are required by the Gramm-Leach-Bliley Act (15 U.S.C. §6801 et seq.) to provide you with this notice about our privacy practices regarding your non-public personal financial information (“NPI”).
What Information We Collect
We collect the following types of NPI:
- Identifying information: name, address, Social Security Number, date of birth, and government-issued ID details.
- Financial information: income, assets, employment history, bank statements, tax returns, and credit history.
- Property information: address, value, and details of the property related to your loan.
- Transaction information: loan application details, payment history, and account balances.
- Website and contact information: IP address, browser type, email address, and phone number.
How We Share Your Information
We share your NPI with the following categories of third parties as necessary to process your loan and comply with the law:
- Mortgage investors, secondary market participants, and loan servicers to fund and service your loan.
- Credit reporting agencies (e.g., Experian, Equifax, TransUnion) to verify creditworthiness.
- Title companies, escrow agents, appraisers, and settlement service providers.
- Encore Lending Group, LLC as our sponsoring broker and compliance oversight entity.
- Government agencies and regulators as required by law (e.g., CFPB, HUD, state banking regulators).
- Technology and service providers who assist in loan origination, document management, and communications, under strict confidentiality obligations.
- Insurance companies for homeowner, title, or mortgage insurance purposes.
We do not sell your personal financial information. We do not share your NPI with unaffiliated third parties for their independent marketing purposes without your express consent.
Your Right to Opt Out
You have the right to opt out of certain information sharing. To exercise this right, contact us at christopher@valor.mortgage or (615) 671-9178. Please note that opting out of certain sharing may limit our ability to process your loan application.
2. Website Information Collection
Personal Information You Provide
When you contact us, request information, or submit a loan application through our website, we may collect:
- Name, email address, and phone number.
- Mailing address, city, state, and ZIP code.
- Financial information relevant to a mortgage application.
- Any other information you voluntarily submit.
Automatically Collected Information
When you visit our website, we automatically collect certain technical information, including:
- IP address and general geographic location.
- Browser type, version, and operating system.
- Pages visited, time spent, and navigation patterns.
- Referring website and exit pages.
- Device identifiers and diagnostic data.
3. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. You may instruct your browser to refuse all cookies; however, certain features of our website may not function properly without them.
Types of Cookies We Use
- Session Cookies — Maintain your session while navigating our website.
- Preference Cookies — Remember your settings and preferences across visits.
- Security Cookies — Support security features and detect fraudulent activity.
- Analytics Cookies — Help us understand how visitors use our website.
Google Analytics
We use Google Analytics to monitor website traffic and usage patterns. Google may use this data in connection with its own services. You may opt out by installing the Google Analytics Opt-Out Browser Add-On. For more information, visit Google’s Privacy Policy.
4. How We Use Your Information
We use your information for the following purposes:
- To evaluate and process your mortgage loan inquiry or application.
- To communicate with you about your application, loan status, and available programs.
- To comply with federal and state mortgage lending laws and regulations.
- To verify your identity and prevent fraud.
- To maintain and improve our website and services.
- To send you relevant updates or information about mortgage products (with your consent where required).
- To respond to your questions and provide customer support.
- To detect, investigate, and prevent technical issues or security threats.
5. Data Security
We take the security of your personal and financial information seriously and implement commercially reasonable physical, technical, and administrative safeguards, including:
- Encrypted transmission of sensitive data using SSL/TLS protocols.
- Access controls limiting NPI to authorized personnel on a need-to-know basis.
- Regular monitoring and testing of our systems.
- Contractual data protection requirements imposed on all service providers.
Please note that no method of data transmission or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.
6. Your Privacy Rights
All Consumers
Regardless of your state of residence, you have the right to:
- Request access to the personal information we hold about you.
- Request correction of inaccurate information.
- Opt out of certain data sharing as described in Section 1.
- Receive a copy of this Privacy Policy and our GLBA Annual Privacy Notice.
California Residents (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
- The right to know what personal information we collect, use, disclose, and sell.
- The right to delete your personal information, subject to certain exceptions.
- The right to opt out of the sale or sharing of your personal information. We do not sell personal information.
- The right to non-discrimination for exercising your privacy rights.
- The right to correct inaccurate personal information.
- The right to limit use of sensitive personal information.
To exercise California privacy rights, contact us at christopher@valor.mortgage. We will respond within 45 days as required by law.
Other State Residents
Residents of Virginia, Colorado, Connecticut, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of their personal data. Contact us to exercise these rights. We will respond in accordance with applicable state law timelines.
7. Data Retention
We retain your personal and financial information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal obligations (including applicable federal and state record-keeping requirements for mortgage transactions), to resolve disputes, and to enforce our agreements. Mortgage-related records are generally retained for a minimum of three (3) to seven (7) years in accordance with applicable law.
8. Transfer of Data
Your information, including personal and financial data, may be stored and processed on servers located within the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your country or jurisdiction. By using our services, you consent to this transfer.
9. Disclosure of Information
In addition to the sharing described in Section 1, we may disclose your personal information when we believe in good faith that disclosure is necessary to:
- Comply with a legal obligation, court order, subpoena, or government request.
- Enforce our legal rights or defend against legal claims.
- Protect the rights, property, or safety of Valor Mortgage, LLC, our clients, or the public.
- Detect, prevent, or address fraud, security vulnerabilities, or technical issues.
- Complete a merger, acquisition, or sale of business assets, in which case the successor entity will remain bound by this Privacy Policy.
10. Links to Third-Party Sites
Our website may contain links to third-party websites, including our loan application portal and partner services. We are not responsible for the content, privacy practices, or data security of those sites. We encourage you to review the privacy policies of any third-party site you visit.
11. Children’s Privacy
Our website and services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we will take steps to delete that information from our records.
12. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, applicable law, or regulatory guidance. When we make material changes, we will post the updated policy on this page, update the “Last Reviewed” date at the top, and provide notice via email or a prominent notice on our website prior to the change taking effect. We encourage you to review this policy regularly.
13. Regulatory Oversight
Christopher Armantrout (NMLS #1210804) operates as an independent contractor under Encore Lending Group, LLC (NMLS #1249911). Our mortgage origination activities are subject to oversight by:
- The Consumer Financial Protection Bureau (CFPB)
- The Tennessee Department of Financial Institutions (or applicable state regulator)
- The Nationwide Multistate Licensing System (NMLS) — www.nmlsconsumeraccess.org
- The Federal Trade Commission (FTC) with respect to privacy and data security practices
14. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about our data practices, please contact us:
Valor Mortgage, LLC
Christopher Armantrout, Loan Officer | NMLS #1210804
Independent Contractor of Encore Lending Group, LLC | NMLS #1249911
724 S Main St, Springfield, TN 37172
Phone: (615) 671-9178
Email: christopher@valor.mortgage
NMLS Consumer Access: www.nmlsconsumeraccess.org
Disclaimer: This Privacy Policy is provided for informational purposes. Valor Mortgage, LLC recommends that all privacy policies and GLBA notices be reviewed by a qualified mortgage compliance attorney to ensure full compliance with applicable federal and state law.
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