The Valhalla Home Loans Policy describes how Valhalla Home Loans collects and handles personal information you provide on our web site or when you use the web site and associated services, as well as some of the steps Valhalla Home Loans takes to safeguard your privacy. By using our site, you consent to this privacy policy.

In order to provide the best possible service, we request personal information when you use one of our service request forms, such as rate quote request forms, and/or apply for a mortage loan. Any data we request that is not required will be specified as voluntary or optional. You may, however, visit our site anonymously.

We collect the following information when you use one of our service request forms, such as rate quote request forms, and/or apply for a mortage loan:

  • Contact Information such as name, email address, mailing address and phone number<
  • Credit card number and billing address
  • Financial Information on bank, brokerage, investment and retiment accounts
  • Social Security Number<
  • Driver's License Number
  • Usage activity about how you interact with us such as purchase history, what content you viewed and which areas of our site you visited
  • Demographic information such as household income, age, education, gender, interests and zip code

When applying for a mortgage loan, we will ask you to register on our website with and User ID (usually an e-mail address) and Password. We will also ask you to provide other personal and supporting information required to process your mortgage loan application, as described above. You may update your personal information at any time by logging into My Account and going to the on the Valhalla Home Loans web site. You can use the User ID and Password to log into My Account and see your loan status, upload required documents and contact us.

When you visit Valhalla Home Loans' web site, Valhalla Home Loans collects limited, non-personally identifying information that your browser makes available whenever you visit a web site. This information includes your Internet Protocol address, browser type, browser language, the date and time of your query and one or more cookies that may uniquely identify your browser.

Valhalla Home Loans uses the information collected to assess your mortgage needs, determine best mortgage options for you based on the information provided and to process your mortgage loan application. We may use the e-mail address and/or other contact information you provided to communicate your loan status, send customized rate alerts or other messages related to your loan application. In addition, we may use information provided to:

  • Respond to customer service requests or resolving a problem
  • Administer your account
  • Send you periodic marketing communications. The e-mail address you provided may be used to send you occasional company news, updates, promotions, related product or service information, etc. Note: If at any time you would like to unsubscribe from receiving future e-mails, we include detailed unsubscribe instructions at the bottom of each e-mail.
  • Administer contests and sweepstakes you entered, and notify you if you won
  • Improve our web site and marketing efforts
  • Conduct research and analysis
  • Display content based upon your interests

We obtain credit information about you from outside credit reporting agencies for the purpose of processing your mortgage loan application. By applying for a mortgage loan with us, you authorize us to share your credit report and other information in the application with with other service providers, on a strictly confidential basis, such as our wholesale lending partners, escrow companies, title companies, appraisers, mortgage technology providers and third party application processors for the sole purpose of assisting us in qualifying and processing your loan application.

We do not share your personal information with other companies so that they can market their products or services to you.

We implement a variety of security measures to maintain the safety of your personal information when you submit a request, apply for a mortgage loan, or access your personal information.

These security measures include: password protected directories and databases to safeguard your information or SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the Internet securely.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

Except as expressly provided in this policy, in the Valhalla Home Loans Terms of Service, or as stated when Valhalla Home Loans requests information, Valhalla Home Loans will not disclose your email address, phone number or any other personal information to third parties. We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

We reserve the right to disclose personal information as required by law, however, and when disclosure is necessary to investigate or prevent illegal activities, suspected fraud, or violations of the Valhalla Home Loans Terms of Service. We also will disclose personal information to protect or exercise our legal rights and/or to comply with a judicial proceeding, court order, or other legal process.

This website allows third-party service providers to use Cookies and /or Web Beacons and other monitoring technologies to providce website traffic statistics, serve advertisements and provide "click-throughs" activities. Cookies are small text files stored on your local internet browser cache. A Web Beacon is an often-transparent graphic image, usually no larger than 1 pixel x 1 pixel that is placed on a Web site. Both are created for the main purpose of helping your browser process the special features of websites that use Cookies or Web Beacons. The gathered information about your visits to this and other websites are used by these third party companies in order to provide advertisements about goods and services of interest to you. The information does not include any personal data like your name, address, email address or telephone number.

If Valhalla Home Loans merges with or is acquired by another company, the resulting combined company may use the personal information you have provided as described in this policy. If Valhalla Home Loans ceases operation, your personal information may be transferred to and used by another company that offers similar or related products or services.

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at anytime by logging into My Account and going to the "Change Profile" tab.

We are in compliance with the requirements of COPPA (Children's Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information.

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change.

This policy was last modified on 4/22/2014.

Please contact Valhalla Home Loans at email: with additional questions.