Privacy Policy

At Kalagara Inc, we value your privacy. This Privacy Policy describes how we collect, use, and protect your information when you interact with our services, including communications via SMS, web forms, and other channels.

1. Information We Collect

We collect both personally identifiable information (PII) and non-personally identifiable information through our website, forms, communications, and applications, including but not limited to:

• Name, email address, phone number, mailing address
• Financial and employment information
• Information submitted through loan applications
• SMS opt-in details (timestamp, phone number, consent record)

2. How We Use Your Information

Your information may be used to:

• Process mortgage and loan applications
• Provide customer support and service updates
• Communicate with you via email, phone, or SMS about your loan status, company updates, and transactional messages
• Improve our website and customer service

3. Sharing of Information

We do not sell or share your personal information with third parties for promotional purposes.

If information is shared, it is only with:

• Service providers under confidentiality agreements
• Governmental or regulatory authorities as required by law

The information gathered during the SMS opt-in process will not be shared or sold to third parties, especially for promotional purposes. We adhere strictly to carrier regulations and compliance standards in the US and Canada, including Short Code, Toll-Free, and Long Code messaging. Sharing or selling opt-in data is strictly prohibited.

4. SMS Consent and Communication

By opting in to receive SMS messages from Kalagara Inc, you agree to receive informational and service-related messages, including but not limited to:

• Loan status updates
• Appointment reminders
• Important account-related notices

Message Frequency: Messages will be sent as needed and may vary depending on your engagement and loan process.

Opt-Out: You can opt out of SMS messages at any time by replying “STOP”.

Help: For help, reply “HELP” or contact your loan originator directly.

5. Data Security

We implement a variety of physical, technical, and administrative safeguards to maintain the security of your personal information.

6. Changes to this Policy

We may update this Privacy Policy from time to time. All updates will be posted on this page with a revised effective date.

7. Contact Information

For questions about this Privacy Policy or to request a copy, please contact your broker or loan originator at the email or phone number listed at the top right of our website.

Disclosure

We will not share mobile contact information with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. If you are receiving text messages from us and wish to stop receiving them, simply reply with “STOP” to the number from which you received the message.