Youngs Real Estate, Inc. dba Holiday Mortgage ("Holiday Mortgage," "we," "us," or "our"), accessible at home.myholidaymortgage.com, takes the privacy of our visitors and clients seriously. This Privacy Policy explains what information we collect through our website, how we use it, and the choices you have.

This policy applies only to our online activities and to visitors to our website, with respect to information they provide and/or that is collected through the website. It does not apply to information collected offline, through phone or in-person consultations, or to information collected as part of a formal mortgage loan application — that information is governed by the separate Holiday Mortgage Gramm-Leach-Bliley Act (GLBA) Privacy Notice provided to you at application and available on request.

By using our website, you consent to this Privacy Policy and its terms.

Who We Are

Youngs Real Estate, Inc. dba Holiday Mortgage Company DRE #01952712 • Company NMLS #1387659 Jason Youngs — DRE #01267638 • NMLS #350776 Roseville, California • By appointment only Phone: (916) 580-7924 Email: [email protected] Licensed by the California Department of Real Estate. Equal Housing Opportunity.

Information We Collect

We only collect information you choose to provide to us. The reason for collecting a particular piece of information will be made clear at the point we ask for it.

When you contact us — through a web form, call, text, or email — we may receive your name, phone number, email address, mailing or property address, the contents of your message, and any other information you choose to share.

When you submit an inquiry or pre-qualification form, we may also collect:

Date of birth

Employment details (job title, employer, length of employment)

Annual income

Desired loan amount and down payment amount

Loan type, goal, and property information

Preferred contact method and consent to receive messages

We do not ask you to submit Social Security Numbers, bank account numbers, or other highly sensitive data through our website forms. Do not send SSNs, tax returns, pay stubs, or similar documents via email or unsecured web forms. If you become a client, we will provide you with a secure method to transmit that information as part of your formal loan application.

How We Use Your Information

We use information you provide to:

Respond to your inquiry and follow up about mortgage and financing options.

Determine which loan programs you may qualify for.

Operate, maintain, and improve our website.

Understand how visitors use our website (analytics).

Communicate with you — directly or through service providers who assist us — regarding your inquiry, scheduling, application updates, or related topics.

Send you marketing or promotional messages only if you have given separate, express consent (see "Consent to Communications" below).

Detect and prevent fraud, and comply with applicable laws and regulations.

Consent to Communications (TCPA)

If you check a consent box on any of our forms, you agree to receive the specific type of messages described next to that box — transactional (responses to your inquiry, application updates, appointment confirmations, and document requests) and/or marketing (promotional offers, product updates).

Message frequency varies.

Message and data rates may apply.

Text HELP for assistance. Reply STOP to opt out at any time.

Consent is not a condition of purchase or of receiving services.

Mobile Information Sharing

No mobile information — including SMS opt-in data and consent — will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors that provide support services (for example, customer service platforms, CRM providers, or messaging vendors) strictly to deliver the services you requested. No SMS originator opt-in data or consent will be shared with any third party for any other use.

Sharing of Other Information

We may share information you provide with:

Service providers and vendors who help us operate our website, CRM, scheduling, and communications (for example, hosting, email delivery, SMS platforms, analytics, and calendaring).

Wholesale lenders and loan program providers, when you ask us to shop your loan — this sharing is governed by our separate GLBA Privacy Notice, not by this website policy.

Regulators, auditors, or law enforcement, when required by law or to protect our rights.

We do not sell your personal information.

Log Files and Analytics

Like most websites, our hosting service automatically logs standard information when you visit, including your IP address, browser type, Internet Service Provider, date and time stamps, referring and exit pages, and possibly the number of clicks. These logs are not linked to personally identifiable information and are used for site administration, trend analysis, and security.

Cookies

Our website may use cookies to remember preferences and measure site usage. You can disable cookies through your browser settings; see your browser's help documentation for instructions.

Third-Party Websites

Our website may link to third-party sites (for example, our Google scheduling link, Google application form, or partner resources). This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party site you visit.

California Residents — Your Rights

California is our primary market, and California law gives you meaningful privacy rights.

Under the California Consumer Privacy Act (CCPA/CPRA), you have the right to:

Know what categories and specific pieces of personal information we have collected about you.

Request deletion of personal information we have collected, subject to legal exceptions.

Opt out of the sale or sharing of personal information. We do not sell your personal information.

Correct inaccurate personal information.

Limit the use of sensitive personal information.

Be free from discrimination for exercising these rights.

Under the California Financial Information Privacy Act (SB1) and the federal Gramm-Leach-Bliley Act (GLBA), additional protections apply to nonpublic personal financial information collected in connection with a mortgage loan application. Those protections are described in detail in our GLBA Privacy Notice, provided at application and available on request.

To exercise any of these rights, contact us using the information below. We will respond within the timeframes required by law.

GDPR Rights (EEA / UK Residents)

If you are located in the European Economic Area or United Kingdom, you have the rights of access, rectification, erasure, restriction, objection, and data portability with respect to your personal data, subject to applicable law. We do not actively market to EEA/UK residents; if you believe we hold your data, please contact us.

Children's Information

Our website is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with information, please contact us and we will take steps to delete it.

Data Security

We use reasonable administrative, technical, and physical safeguards to protect the information you share with us. No method of transmission over the internet is 100% secure, however. For anything sensitive — SSN, tax documents, bank statements — use the secure channels we provide, not email or web forms.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top. Material changes will be communicated by posting the updated policy on this page. We encourage you to review it periodically.

Contact Us

Youngs Real Estate, Inc. dba Holiday Mortgage Roseville, California Phone: (916) 580-7924 Email: [email protected] Web: myholidaymortgage.com

Licensed by the California Department of Real Estate. Equal Housing Opportunity. This website and this policy are for general information and advertising purposes. Nothing on this page is a commitment to lend.