Privacy Policy

This Privacy Policy explains how East Coast Capital Corp. d/b/a First Access Lending collects, uses, discloses, and protects personal information in connection with our website, webapp, mortgage rate quote tools, forms, communications, and related services.

Effective date: June 29, 2026

Overview

For purposes of this Privacy Policy, “we,” “us,” and “our” refer to East Coast Capital Corp. d/b/a First Access Lending. “You” and “your” refer to visitors, prospective borrowers, co-borrowers, applicants, customers, and other individuals who use or interact with our services.

We collect personal information to provide mortgage rate quotes, respond to requests, support mortgage-related services, operate and improve our platform, communicate with you, protect our business, and comply with legal and regulatory obligations.

Our services are designed to help consumers view mortgage rate quote information and related mortgage product options based on information provided by the consumer, information obtained from permitted sources, and applicable product, pricing, eligibility, and market data.

We do not operate as a data broker and do not sell borrower information as a lead list. We do not share text-message opt-in data or SMS consent with third parties for their marketing or promotional purposes.

Information We Collect

The information we collect depends on how you use our services and what information you choose to provide.

Information you provide to us

   •      Name, email address, phone number, mailing address, and property address

          •         Loan purpose, property type, occupancy, purchase price, estimated property value, mortgage balance, desired loan amount, and down payment

          •         Mortgage product preferences, including HELOC, closed-end second mortgage, refinance, or purchase scenarios

          •         Estimated credit score or credit score range, desired payment, rate, term, proceeds, and closing timeline

          •         Income, employment, assets, debts, liabilities, current mortgage information, payoff preferences, and mortgage-assignment selections

          •         Date of birth, Social Security number, government identification, and other identity information where needed for credit, application, verification, fraud-prevention, or compliance purposes

          •         Documents, answers, comments, messages, call notes, emails, text messages, chat messages, and other communications you provide

Information from third parties

We may receive information about you from third parties where permitted by law or authorized by you, including:

   •      Credit bureaus and credit-reporting vendors, when authorized or permitted

          •         Mortgage pricing engines, investor guideline tools, and product eligibility services

          •         Property data, AVM, appraisal, title, settlement, insurance, and public-record providers

          •         Identity, fraud-prevention, income, employment, asset, bank, and contact-verification providers

          •         Loan origination, CRM, workflow, document, eDisclosure, email, phone, SMS, hosting, logging, and security providers

          •         Mortgage lenders, investors, servicers, processors, underwriters, quality-control, compliance, and transaction parties

          •         Our parent company, affiliates, commonly controlled entities, and licensed mortgage professionals

Information collected automatically

   •      IP address, approximate location derived from IP address, device type, browser type, operating system, referring page, pages viewed, links clicked, and visit timestamps

          •         Session activity, quote-flow progress, error logs, security logs, authentication events, OTP verification events, and application/session identifiers

          •         First-party attribution details, such as source, campaign, landing page, and quote-flow events used to understand how our own website performs

          •         Cookie, local storage, and similar technical identifiers needed to operate, secure, measure, and improve the website and Get Access flow

How We Use Information

We may use personal information for mortgage, business, compliance, security, and service-related purposes, including to:

   •      Generate preliminary mortgage quotes, rate ranges, payment estimates, loan amount estimates, pricing comparisons, and product-option summaries

          •         Match your scenario to First Access Lending mortgage products, investor guidelines, valuation rules, credit-review paths, and loan-officer review paths

          •         Save, update, resume, and verify quote or application sessions

          •         Request or retrieve credit information where you authorize it or where otherwise permitted by law

          •         Order, retrieve, or evaluate property value, title, settlement, insurance, appraisal, or related mortgage transaction information

          •         Prepare, submit, route, and track application information through our CRM, loan origination system, Encompass-related workflows, document portal, and internal operating systems

          •         Communicate with you about quotes, applications, documents, next steps, disclosures, support, security, compliance, and marketing where permitted

          •         Maintain records, monitor quality, audit compliance, prevent fraud, protect systems, improve products, and comply with legal and regulatory obligations

          •         Respond to legal requests, regulatory inquiries, audits, examinations, complaints, and disputes

          •         Establish, exercise, or defend legal rights and claims

Rate Quotes, Credit, Valuation, and Automated Tools

Our Get Access quote tools may use automated pricing engines, eligibility rules, investor guidelines, market data, property information, valuation tools, and information you provide to generate mortgage quote information.

A quote shown through our website or webapp may be preliminary. It is not a loan approval, loan commitment, underwriting decision, locked rate, or final offer of credit unless expressly stated in writing by an authorized mortgage professional.

Final pricing, eligibility, approval, and loan terms may depend on verified information, credit review, underwriting, property review, title review, appraisal or valuation results, market conditions, investor requirements, and other factors.

We may request or use credit-related information only where permitted by law and, where required, with your authorization. If you authorize a credit report or proceed with an application, additional notices, authorizations, and disclosures may apply.

How We Disclose Information

We disclose personal information as needed to provide our services, operate our business, comply with law, protect security, and fulfill your requests. This may include disclosures to:

   •      Cloud hosting, infrastructure, security, monitoring, logging, email, phone, SMS, CRM, workflow, document, and loan origination service providers

          •         Credit, identity, fraud, income, employment, asset, bank, property, valuation, title, settlement, appraisal, insurance, pricing, and product providers

          •         Mortgage lenders, investors, underwriters, processors, loan officers, servicers, quality-control vendors, eDisclosure vendors, and other parties involved in evaluating, processing, closing, or servicing a requested mortgage transaction

          •         Our parent company, affiliates, commonly controlled entities, licensed mortgage professionals, professional advisors, auditors, regulators, law enforcement, courts, and other parties where required or permitted by law

We limit information disclosed to service providers to what is reasonably needed for them to perform services for us, and we require them to protect personal information and use it only for authorized purposes.

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, transfer of business, or similar transaction, personal information may be disclosed or transferred as part of that transaction, subject to applicable law and appropriate protections.

No Sale of Borrower Lead Lists; Advertising and State-Law Choices

We do not sell borrower information as lead lists. We do not disclose personal information to nonaffiliated third parties so they can market their own products or services to you, unless you authorize us to do so or the disclosure is otherwise permitted by law.

Some state privacy laws define “sale,” “sharing,” “targeted advertising,” or similar terms broadly enough to include certain website analytics, advertising, or cookie-based disclosures, even where no money is exchanged. Where required by applicable law, we will provide a way to opt out of those activities.

We do not use Social Security numbers, credit reports, income, assets, bank information, or detailed mortgage application information for third-party targeted advertising.

Cookies, Local Storage, and Tracking Technologies

We use cookies, local storage, log files, and similar technologies to operate, secure, measure, and improve our website and webapp. These technologies may help keep the website functioning, maintain sessions, remember preferences, measure first-party attribution, detect errors, prevent fraud and abuse, and improve the user experience.

We currently use first-party attribution and operational analytics for our own website and quote flow. We do not currently use third-party advertising pixels, remarketing audiences, or cross-context behavioral advertising technologies in areas where consumers provide sensitive mortgage, credit, income, asset, or application information.

If our practices change, we will update this Privacy Policy and provide opt-out choices where required by law.

Most browsers allow you to manage or disable cookies. Some features may not work properly if cookies or local storage are disabled. Where required by applicable law, we will honor legally recognized opt-out preference signals, such as Global Privacy Control, for activities that qualify as a sale, sharing, or targeted advertising under applicable state privacy laws.

Communications, Calls, Email, and Text Messages

If you provide contact information, we may contact you about your quote request, mortgage inquiry, application, account, transaction, customer support request, or related services.

You may unsubscribe from marketing emails by using the unsubscribe link in the email or by contacting us at info@firstaccesslending.com. We may still send non-marketing messages, including service, legal, security, transactional, or account-related communications.

If you consent to receive text messages from us, message frequency may vary. Message and data rates may apply. Your consent to receive marketing text messages is not required as a condition of purchasing or obtaining any product or service. You may opt out of text messages by replying STOP or by contacting us. You may request help by replying HELP.

We do not share, sell, rent, or transfer SMS opt-in data, text-message consent, or information collected solely through our SMS program with third parties for their marketing or promotional purposes.

Financial Privacy and GLBA Notice

If you request or obtain a financial product or service from us for personal, family, or household purposes, certain information we collect may be considered nonpublic personal information under federal financial privacy laws, including the Gramm-Leach-Bliley Act and Regulation P.

We may provide a separate Federal Privacy Notice or GLBA privacy notice that describes our financial privacy practices in the required format. If there is a conflict between this Privacy Policy and a required financial privacy notice with respect to nonpublic personal information covered by that notice, the financial privacy notice will control.

   •      We share information as needed for everyday business purposes, such as processing transactions, maintaining records, responding to legal requests, preventing fraud, and supporting the mortgage services you request

          •         We may share information with affiliates for operational, compliance, servicing, and legally permitted marketing purposes

          •         We do not share personal information with nonaffiliated third parties for their own marketing unless you authorize us to do so or the disclosure is otherwise permitted by law

          •         We require service providers that receive personal information from us to protect it and use it only for authorized purposes

Your Privacy Rights and Choices

Depending on your state of residence and the type of information involved, you may have rights to:

   •      Request access to personal information we maintain about you

          •         Request correction of inaccurate personal information

          •         Request deletion of personal information, subject to legal and regulatory exceptions

          •         Request a copy of certain personal information

          •         Opt out of marketing communications

          •         Opt out of certain targeted advertising, sale, or sharing activities where applicable law requires that choice

          •         Limit certain uses or disclosures of sensitive personal information where applicable law provides that right

          •         Appeal a denied privacy request where required by law

          •         Not be discriminated against for exercising applicable privacy rights

Certain information may be exempt from some state privacy rights because it is regulated by financial privacy, credit reporting, mortgage, fraud-prevention, legal, or compliance laws.

To submit a privacy request, contact us using the information in the Contact Us section below. We may need to verify your identity before processing a request. Authorized agents may submit requests where permitted by applicable law, and we may require proof of authorization.

State Privacy Notice

This section supplements the rest of this Privacy Policy for residents of states with consumer privacy laws. Depending on the applicable law, we may collect the following categories of personal information:

   •      Identifiers, such as name, address, email address, phone number, IP address, online identifiers, and government identifiers

          •         Customer records information, such as contact details, financial information, and mortgage-related information

          •         Protected classification information, such as age or marital status, if relevant to a mortgage inquiry, application, or legal requirement

          •         Commercial information, such as products or services considered or requested

          •         Internet or network activity, such as website usage, interactions, and device data

          •         Approximate geolocation information derived from IP address

          •         Audio, electronic, or similar information, such as call recordings, chat logs, text messages, emails, and other communications

          •         Professional or employment-related information, such as employer, income, and job history

          •         Sensitive personal information, such as Social Security number, financial account information, income, assets, credit-related information, and government identification

          •         Inferences or preferences related to mortgage product interests, website experience, service needs, and quote or application scenarios

We collect these categories from you, our affiliates, service providers, mortgage transaction parties, public records, credit or verification providers where authorized or permitted, and website technologies.

We use and disclose these categories for the purposes described in this Privacy Policy, including providing quotes and services, communicating with you, operating and improving our business, complying with law, preventing fraud, and protecting security.

We do not knowingly sell or share personal information of individuals under 16. We do not use sensitive personal information to infer characteristics about you for unrelated purposes.

How We Protect Information

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These safeguards may include access controls, authentication requirements, encryption in transit, protective controls for sensitive information, secure hosting environments, logging and monitoring, vendor review and oversight, confidentiality obligations, data minimization, incident response procedures, and periodic review of security controls.

No method of transmission or storage is completely secure. We cannot guarantee absolute security, but we use safeguards appropriate to the nature of the information and our services.

Data Retention

We retain personal information for as long as reasonably necessary to provide services, respond to your requests, maintain records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, protect security, prevent fraud, and support legitimate business purposes.

Retention periods vary depending on the type of information, the nature of your interaction with us, whether you proceed with a mortgage application or transaction, and applicable legal requirements. When information is no longer needed, we may delete, de-identify, aggregate, or securely retain it as required or permitted by law.

Children, Links, and International Users

Our services are intended for adults seeking mortgage-related information. Our website and services are not intended for children under 18, and we do not knowingly collect personal information from children under 13.

Our website may contain links to third-party websites, tools, or services. We are not responsible for the privacy practices, security, or content of third-party websites or services.

Our services are intended for users located in the United States. If you access our services from outside the United States, you understand that your information may be processed in the United States, where privacy laws may differ from those in your jurisdiction.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The effective date above indicates when this Privacy Policy was last revised. If we make material changes, we may provide notice through the website, email, or other appropriate means. Your continued use of our services after an updated Privacy Policy becomes effective means you acknowledge the updated Privacy Policy.

Contact Us

For questions, privacy requests, or complaints, contact us at:

First Access Lending

Attention: Privacy Officer

Email: info@firstaccesslending.com

Phone: 1-888-885-7789

Mailing address: 400 Pratt Street, 8th Floor, Baltimore, MD 21202

Website: firstaccesslending.com

East Coast Capital Corp.

NMLS: #1403

Phone: 877-781-7788

Phone: 516-753-6160

Mailing address: 2 Corporate Center Drive, Suite 110, Melville, NY 11747