PRIVACY POLICY

PRIVACY POLICY AND SMS TERMS AND CONDITIONS

Effective Date: August 19, 2026

Zahava, Inc., doing business as EZ Mortgage .Store (“EZ Mortgage .Store,” “we,” “us,” or “our”), is committed to protecting the privacy and security of information provided by visitors to our website.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or use the EZ Mortgage .Store website, submit an inquiry, request information, communicate with us, or use our services.

By using our website or voluntarily providing personal information to us, you acknowledge the practices described in this Privacy Policy.

If you have questions about this Privacy Policy or our privacy practices, please contact us using the information provided at the end of this policy.

1. INFORMATION WE COLLECT

We may collect information that can reasonably be used to identify or contact an individual. This information may include, but is not limited to:

Name
Mailing address
Telephone number
Mobile phone number
Email address
Information submitted through website forms
Information related to a mortgage inquiry or application
Information related to requested mortgage services
Documents or information provided in connection with requested services
Appointment and scheduling information
Communications you send to us
Other information you voluntarily provide

We generally collect personal information when you voluntarily provide it to us, including when you submit a mortgage inquiry, request information, contact us, schedule an appointment, provide documents, submit an application, sign up to receive communications, or otherwise communicate with EZ Mortgage .Store.

We collect personal information only as reasonably necessary to fulfill the purpose for which it was provided, provide requested services, communicate with you, maintain our business records, and comply with applicable legal and regulatory requirements.

You may choose not to provide certain personal information. However, doing so may prevent you from using certain website features or receiving certain services.

2. WEBSITE VISITORS AND AUTOMATICALLY COLLECTED INFORMATION

Like most website operators, EZ Mortgage .Store may collect certain non-personally identifiable information that web browsers and servers typically make available.

This information may include:

Browser type
Device type
Operating system
Language preference
Referring website
IP address
Pages visited
Date and time of website visits
General website usage information

We may use this information to better understand how visitors use our website, improve website functionality, monitor website performance, maintain security, analyze website traffic, and improve our services.

We may also collect IP addresses for security, fraud prevention, website administration, analytics, and operational purposes.

We may use aggregated or non-personally identifiable information for legitimate business purposes, including analyzing trends in website usage and improving our website.

3. GATHERING OF PERSONALLY IDENTIFIABLE INFORMATION

Certain visitors may choose to interact with our website in ways that require us to collect personally identifiable information.

The type and amount of information collected depends on the nature of the interaction.

For example, we may collect personal information when you:

Submit a mortgage inquiry
Request information
Contact us
Schedule an appointment
Submit a mortgage application
Provide documents or other information
Sign up to receive communications
Request customer support
Otherwise voluntarily provide information through our website

We collect personal information only as reasonably necessary to fulfill the purpose of your interaction with us, provide requested services, communicate with you, maintain our business records, and comply with applicable legal and regulatory requirements.

4. HOW WE USE PERSONAL INFORMATION

We may use personal information for legitimate business purposes, including:

Responding to mortgage inquiries and requests for information
Communicating with customers and prospective customers
Following up on mortgage inquiries or applications
Scheduling and managing appointments
Requesting documents or additional information
Providing mortgage application updates
Providing customer care and support
Processing and managing requested services
Improving our website, products, and services
Maintaining business and transaction records
Preventing fraud and protecting website security
Complying with applicable laws and regulations
Protecting our rights, property, customers, and users

5. SHARING AND DISCLOSURE OF PERSONAL INFORMATION

We do not sell or rent your personal information.

We may share personal information with employees, contractors, service providers, technology providers, business partners, and other parties who need the information to provide services, operate our business, process requests, maintain our systems, or perform services on our behalf.

Where appropriate, we expect service providers handling personal information on our behalf to maintain appropriate safeguards and use the information only for authorized business purposes.

We may also disclose personal information when we believe in good faith that disclosure is reasonably necessary to:

Comply with applicable laws, regulations, legal processes, or governmental requests;
Protect the rights, property, or safety of EZ Mortgage .Store, our customers, or others;
Detect, prevent, or address fraud, security issues, or unlawful activity; or
Protect or enforce our legal rights.

6. PROTECTION OF PERSONALLY IDENTIFIABLE INFORMATION

We maintain reasonable administrative, technical, physical, and procedural safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

We restrict access to personal information to individuals and service providers who need access for legitimate business purposes.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.

You should also take reasonable steps to protect your own information, including using secure devices and networks, maintaining appropriate passwords, and logging out when using a shared computer.

7. COOKIES AND SIMILAR TECHNOLOGIES

EZ Mortgage .Store may use cookies and similar technologies to improve website functionality, understand website usage, maintain security, analyze traffic, and enhance your experience.

A cookie is a small data file stored by your web browser that allows a website to recognize your browser or remember certain information.

You may be able to control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.

Third-party services or embedded content, including videos, analytics tools, or other website features, may use their own cookies or similar technologies. Those third parties are responsible for their own privacy practices.

8. EMAIL COMMUNICATIONS

If you voluntarily subscribe to receive email communications from EZ Mortgage .Store, we may use your email address to provide information, updates, resources, or other communications related to our services.

You may unsubscribe from marketing or informational emails at any time by using the unsubscribe link included at the bottom of our emails.

You may still receive certain non-marketing communications when necessary to respond to an inquiry, provide a requested service, communicate about an existing customer relationship, or otherwise fulfill a request you have made.

9. SMS AND TEXT MESSAGING PRIVACY

If you voluntarily provide your mobile telephone number and affirmatively consent to receive SMS or MMS messages from EZ Mortgage .Store, we may use your mobile number to send text messages related to your mortgage inquiry, application, customer relationship, appointments, requested information, and customer care.

We do not sell or rent mobile telephone numbers.

No mobile opt-in information, SMS consent information, or mobile phone numbers collected for SMS communications will be shared with third parties or affiliates for their own marketing or promotional purposes.

Mobile information may be shared with service providers as reasonably necessary to provide and operate our SMS communications, such as messaging providers, telecommunications providers, or technology vendors acting on our behalf.

These service providers may use the information only as necessary to provide their services and are not authorized to use your mobile information for their own marketing or promotional purposes.

10. SMS TERMS OF SERVICE

SMS Consent

By providing your mobile phone number and affirmatively opting in to receive SMS messages from EZ Mortgage .Store, you consent to receive text messages related to your mortgage inquiry, application, customer relationship, appointments, requested information, and customer care.

Message frequency varies. Message and data rates may apply.

SMS consent is not a condition of purchasing any goods or services or obtaining mortgage assistance.

Types of SMS Communications

Upon consenting to receive text messages from EZ Mortgage .Store, you may receive SMS communications related to your mortgage inquiry and customer relationship, including:

Appointment and consultation reminders
Mortgage inquiry and application follow-up messages
Requests for documents or additional information
Mortgage application updates
Customer care and support messages
Scheduling and follow-up communications related to your mortgage services

Message Frequency

Message frequency varies depending on your interactions with EZ Mortgage .Store, the status of your mortgage inquiry or application, and the services you request.

Message and Data Rates

Message and data rates may apply. Your wireless carrier may charge fees for each message sent or received. These charges vary depending on your mobile carrier and wireless plan.

How to Opt In

You may opt in to receive SMS messages from EZ Mortgage .Store through an affirmative consent process, including:

Submitting an online form that provides your mobile phone number and clearly states that you are consenting to receive SMS messages; or
Using another EZ Mortgage .Store opt-in method that clearly explains that you are consenting to receive text messages.

The SMS opt-in disclosure will clearly state that message frequency varies and message and data rates may apply.

How to Opt Out

You may opt out of receiving SMS messages from EZ Mortgage .Store at any time by replying STOP to any SMS message you receive from us.

After you send STOP, you will no longer receive SMS messages from us, except for a confirmation of your opt-out request or other messages permitted by applicable law.

You may opt back in by replying START, where supported, or by completing our SMS opt-in process again.

Help

If you need assistance with our SMS communications, reply HELP to any message you receive from EZ Mortgage .Store.

You may also contact us through our website:

https://www.ezmortgage.store/

Standard SMS Disclosures

Message frequency varies.
Message and data rates may apply.
You can opt out at any time by replying STOP to the SMS number from which you received the message.
For help, reply HELP.
To resume receiving messages, reply START, where supported.
SMS consent is not a condition of purchasing any goods or services or obtaining mortgage assistance.
Your mobile phone number and SMS consent information will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

11. THIRD-PARTY WEBSITES AND LINKS

Our website may contain links to websites operated by third parties.

These links may be provided for your convenience or to provide additional information.

When you leave the EZ Mortgage .Store website and visit a third-party website, that website's privacy policy and terms may apply.

EZ Mortgage .Store is not responsible for the privacy practices, security, content, or policies of third-party websites.

We encourage you to review the privacy policies and terms of use of any third-party websites you visit.

12. SOCIAL MEDIA AND THIRD-PARTY PLATFORMS

EZ Mortgage .Store may use social media platforms and other third-party services to communicate information and provide content.

Information you voluntarily provide through a third-party platform may be subject to that platform's privacy policy and terms of use.

We encourage you to review the privacy policies and terms of use of those platforms before providing personal information.

13. CHILDREN'S PRIVACY

Our website and services are not directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13.

If we learn that we have collected personal information from a child under 13 without appropriate parental consent, we will take reasonable steps to delete that information.

14. INFORMATION RETENTION

We retain personal information for as long as reasonably necessary to provide services, maintain business and transaction records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and protect our legitimate business interests.

The length of time information is retained may vary depending on the nature of the information and the purpose for which it was collected.

15. YOUR CHOICES AND PRIVACY RIGHTS

Depending on applicable law, you may have certain rights regarding your personal information, including the ability to request access to, correction of, or deletion of certain information.

You may also:

Unsubscribe from marketing emails using the unsubscribe link provided in our emails;
Opt out of SMS communications by replying STOP to an SMS message; or
Contact us with questions or requests concerning your personal information.

Certain information may be retained when required by law, regulation, legitimate business purposes, or our record-retention obligations.

16. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our business practices, services, technology, or applicable laws.

When we make changes, we will post the updated Privacy Policy on this page and update the effective date above.

Changes will apply prospectively unless otherwise required by applicable law.

We encourage you to review this Privacy Policy periodically for the latest information about our privacy practices.

17. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy, our SMS practices, our website, or our privacy practices, please contact us through:

EZ Mortgage .Store
Zahava, Inc. DBA EZ Mortgage .Store
NMLS #2191638

Website: https://www.ezmortgage.store/

Last Updated: August 19, 2026