Federal law gives consumers the right to limit some but not all sharing of their personal financial information. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully. Mortgage Scope Financial Corp. (NMLS #1867948) is a licensed mortgage broker in the State of Florida and is subject to GLBA privacy requirements as a financial institution.
This Privacy Policy applies to Mortgage Scope Financial Corp., a Florida-licensed mortgage brokerage, and the personal NMLS licensee Jesus "J Rod" Rodriguez (NMLS #339399), operating at mtgscope.com.
When this policy refers to "we," "us," or "our," it refers to Mortgage Scope Financial Corp. and its licensed personnel.
We collect information you provide directly and information generated automatically when you use our website or chat with Equity, our AI assistant.
Sensitive financial documentation is only collected through our secure loan application platform (LendingPad), which has its own privacy policy and security standards. We do not collect sensitive financial data through this website or the Equity chat assistant.
Equity is an AI-powered automated chat assistant — not a human, not a licensed loan officer. Equity is designed to provide general mortgage education, collect basic lead information, and connect you with J Rod for personalized advice.
Important limitations: Equity does not determine your eligibility for any loan program. Equity does not provide rate quotes, approvals, or personalized loan recommendations. Any general examples provided are for educational purposes only and do not constitute a commitment to lend, an offer of credit, or a guarantee of terms.
All specific loan determinations, rate discussions, and eligibility reviews are performed exclusively by licensed mortgage professionals.
Conversations with Equity are transmitted securely to Anthropic, PBC (the company that powers the underlying AI) for processing. Anthropic processes your messages to generate responses. By chatting with Equity, you acknowledge that your conversation content is processed through Anthropic's API infrastructure. Anthropic's privacy policy governs their handling of this data and can be reviewed at anthropic.com/privacy.
Mortgage Scope Financial Corp. stores chat transcripts on our secure server infrastructure (Hostinger) for compliance and audit purposes, as required under applicable federal and state mortgage regulations. Stored transcripts may be reviewed by licensed personnel and compliance staff. Transcripts are retained for a minimum of 3 years consistent with mortgage brokerage recordkeeping requirements.
| Purpose | Legal Basis |
|---|---|
| Respond to your mortgage inquiries and connect you with a licensed MLO | Legitimate interest / your consent |
| Provide general mortgage education through Equity | Legitimate interest |
| Maintain compliance records and audit trails as required by law | Legal obligation (TILA, ECOA, RESPA) |
| Improve our website and AI assistant performance | Legitimate interest |
| Send follow-up communications if you request a consultation | Your consent / contractual necessity |
| Comply with regulatory examinations or legal process | Legal obligation |
We do not sell your personal information to third parties. We do not use your information for unrelated marketing or share it with advertisers.
As a mortgage broker, we may share your information with the following categories of parties in the normal course of business:
| Recipient | Reason | Can You Limit? |
|---|---|---|
| Wholesale lenders and banks you authorize us to submit to | Loan origination | Yes — you control submissions |
| Anthropic, PBC (AI processing for Equity) | Chat functionality | No — by using chat you consent |
| LendingPad (loan application platform) | Loan application processing | Yes — only if you apply |
| Hostinger (web hosting / server) | Website infrastructure | No — infrastructure provider |
| Title companies, appraisers, settlement agents | Loan closing (with your authorization) | Yes — only on authorized files |
| NFTY Door (linked HELOC application platform) | Users who click the NFTY Door link leave mtgscope.com and are directed to NFTY Door's own platform. No data is transferred from mtgscope.com to NFTY Door automatically. NFTY Door's own privacy policy governs any data you provide on their platform. | Yes — only if you click their link |
| Regulatory agencies (CFPB, DBPR, etc.) | Legal compliance / examinations | No — required by law |
We do not share your nonpublic personal information with non-affiliated third parties for their marketing purposes.
Florida law provides consumers with specific rights regarding their personal data. As a Florida resident, you have the right to:
To exercise any of these rights, contact us using the information in Section 10 below. We will respond within 45 days of a verified request, with a possible 45-day extension for complex requests.
Note: Some data is retained regardless of deletion requests due to federal mortgage recordkeeping requirements (TILA, ECOA, RESPA, SAFE Act). We will inform you if a legal exception applies.
We implement reasonable technical and organizational security measures to protect your information from unauthorized access, disclosure, or misuse. These include:
No method of transmission or storage is 100% secure. In the event of a data breach affecting your nonpublic personal information, we will notify affected individuals as required by Florida law and applicable federal regulations.
Our website uses minimal cookies and tracking technologies. We may use:
We do not use cookies to track your browsing activity across other websites or to build advertising profiles. Most browsers allow you to control or block cookies through their settings.
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any update constitutes your acceptance of the revised policy.
We encourage you to review this policy periodically. For significant changes affecting how we handle your financial information, we will provide additional notice as required by GLBA.
To exercise your data rights, request your information, or ask questions about this Privacy Policy, contact us directly. We respond to all privacy requests within 45 days.