Approved With Colby, operated by Colby Kaspar
LEGAL Privacy DISCLOSURE
Privacy & Data
Commitment
Privacy & Data Commitment
At Approved With Colby, your privacy is important to us. We take reasonable steps to protect your personal and financial information using secure systems and industry-standard safeguards.
We handle your data in accordance with applicable privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and, where applicable, the California Consumer Privacy Act (CCPA).
SMS Communications & A2P Compliance
By providing your phone number and submitting a form on our website, you expressly consent to receive SMS messages from Colby Kaspar (Approved With Colby), including appointment reminders, loan updates, follow-ups, and marketing communications. Consent is not a condition of purchase.
Types of SMS messages sent include account updates, security alerts, transactional messages, and occasional promotional offers.
Message frequency varies (typically 1–2 messages per week).
Data collected for SMS includes your phone number and message metadata such as time sent and delivery status.
Message and data rates may apply according to your mobile carrier plan.
Messages are sent using A2P-compliant services in accordance with applicable telecom and privacy laws.
You can opt out of SMS at any time by replying STOP to any message you receive. Reply HELP for assistance.
SMS-related data is handled in line with this Privacy Policy and is retained only as long as necessary to meet legal, security, and operational requirements.
Your Privacy Rights
DISCLAIMER: We do not guarantee loan approval, rates, or terms. All mortgage services are subject to lender underwriting guidelines and applicable laws.
1. Information We Collect
As a mortgage loan originator, Colby Kaspar collects personal, financial, and property-related information necessary to process your loan application (should you provide the information willingly). This includes, but is not limited to, Name, email address, phone number, income verification, credit history, tax returns, and government-issued identification. We gather this data directly from you, as well as from authorized third parties such as credit bureaus and employers.
2. How We Use Your Data
Your information is strictly utilized to evaluate your creditworthiness, process and underwrite your mortgage loan, and fulfill regulatory compliance requirements. We do not use your financial data for unrelated marketing purposes without your explicit consent. Your contact information is used to provide appointment reminders, loan status notifications, lead follow-ups, and marketing material which you can opt out of by replying STOP to any messages.
3. Information Sharing & Disclosure
Colby Kaspar only shares your data with necessary third parties involved in the mortgage origination process, including appraisers, title companies, and underwriting partners. We do not sell your personal information to outside entities. All third-party sharing complies with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws. We may share data with service providers (such as CRM or messaging platforms) to operate our business.
4. Your Opt-Out Rights
Under the California Consumer Privacy Act (CCPA) and other state regulations, you have the right to request access to the data we hold, request deletion of non-essential records, and opt out of any optional data sharing. To exercise these rights, please submit a written request to our compliance department or reply STOP to any marketing messages you receive.
5. Security Protocols
We use industry-standard security measures, including encryption and secure systems to protect your information.
SMS Data Use
We collect and process SMS-related data, including your phone number, message content, delivery status, and interaction history, solely for providing requested services, maintaining service reliability, and complying with applicable regulations. Reply STOP to opt out or HELP for assistance.
Delivering transactional and account-related messages you have requested.
Monitoring delivery performance and troubleshooting message failures.
Maintaining records needed for fraud prevention, abuse detection, and security.
Meeting legal, regulatory, and carrier compliance requirements for A2P messaging.
Message frequency varies. Message and data rates may apply.
SMS-related data is not sold to third parties and is processed in accordance with this Privacy Policy and applicable A2P messaging rules.
Contact Information
If you have any questions about this Privacy Policy, you may contact us at:
Colby Kaspar | Swift Mortgage LLC
Social Media: @ApprovedWithColby
Email: [email protected]
Phone: 409-550-8653
Address: 1528 E Williams Field Rd, Bldg. C, Suite 201, Gilbert, AZ 85295