Privacy Policy

Effective Date: January 1, 2026

HFG HOLDINGS, Inc. d/b/a Hall Financial, NMLS #1467435, referred to in this Privacy Policy as “Hall Financial,” “Hall,” “we,” “us,” or “our,” respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit information through our website, apply for mortgage-related services, communicate with us, or otherwise interact with Hall Financial.

Hall Financial is a licensed lender in Michigan, Florida, Tennessee, Colorado, Ohio, Pennsylvania, Minnesota, Texas, South Carolina, and North Carolina.

By using our website or providing information to us, you acknowledge that you have read and understand this Privacy Policy.

1. Information We Collect

We may collect information directly from you, automatically through our website, and from third parties as permitted by law.

Information You Provide to Us

We may collect personal information you provide when you:

  • Submit a form on our website
  • Request a mortgage quote or loan information
  • Apply for a mortgage loan
  • Contact us by phone, email, text, chat, or through our website
  • Subscribe to communications
  • Work with one of our home loan advisers
  • Participate in a promotion or referral program

This information may include:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Property address
  • Employment information
  • Income information
  • Loan purpose
  • Loan amount
  • Credit-related information
  • Mortgage or housing-related information
  • Any other information you choose to provide

Information Related to Mortgage Services

If you apply for or inquire about mortgage services, we may collect additional information needed to evaluate, process, originate, service, or support your loan request. This may include information about your credit history, income, assets, liabilities, employment, property, insurance, tax records, and other financial or identifying information.

Information Collected Automatically

When you visit our website, we may automatically collect certain information, such as:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Pages visited
  • Time spent on the website
  • Referring website
  • General location information
  • Website usage activity

We may collect this information through cookies, pixels, analytics tools, and similar technologies.

2. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve website functionality, understand visitor behavior, measure marketing performance, and provide a better user experience.

Cookies are small files placed on your device. You may be able to adjust your browser settings to refuse cookies or notify you when cookies are being used. If you disable cookies, some parts of our website may not function properly.

We may also use third-party tools, such as analytics platforms, advertising platforms, call tracking tools, form tools, or customer relationship management systems, to help us operate and improve our website and marketing efforts.

3. How We Use Your Information

We may use the information we collect to:

  • Respond to your inquiries
  • Provide mortgage quotes, information, and services
  • Process mortgage applications
  • Verify your identity
  • Evaluate loan eligibility
  • Communicate with you about your inquiry, application, or account
  • Schedule appointments or follow-ups
  • Improve our website, services, and customer experience
  • Send service-related communications
  • Send marketing communications where permitted by law
  • Measure advertising and website performance
  • Detect, prevent, and respond to fraud, security issues, or unauthorized activity
  • Comply with legal, regulatory, licensing, reporting, and recordkeeping obligations
  • Enforce our rights, agreements, and policies

4. How We Share Information

We do not sell your personal information for money.

We may share information as necessary to operate our business, provide mortgage services, and comply with legal obligations. This may include sharing information with:

Service Providers

We may share information with trusted service providers who help us operate our website, manage leads, process applications, communicate with customers, provide technology support, perform marketing services, conduct analytics, or support business operations.

These providers are expected to use the information only as needed to provide services to Hall Financial.

Mortgage and Financial Service Partners

When necessary to provide mortgage-related services, we may share information with third parties involved in the mortgage process, such as investors, lenders, mortgage loan purchasers, credit bureaus, appraisal companies, title companies, insurance providers, settlement agents, verification providers, and other parties involved in processing, underwriting, closing, funding, or servicing a loan.

Legal and Regulatory Requirements

We may disclose information when required or permitted by law, regulation, legal process, court order, subpoena, government request, examination, audit, or licensing requirement.

Business Transfers

If Hall Financial is involved in a merger, acquisition, reorganization, sale of assets, or similar business transaction, information may be transferred as part of that transaction.

Protection of Rights and Security

We may disclose information when we believe it is necessary to protect our rights, property, customers, employees, business operations, website security, or the safety of others.

5. SMS, Phone, and Email Communications

If you provide your phone number or email address, Hall Financial may contact you regarding your inquiry, application, loan options, account, promotions, or other mortgage-related services, as permitted by law.

By providing a phone number, you agree that Hall Financial may contact you by call or text message, including through automated technology where permitted by law. Message and data rates may apply. Message frequency may vary.

You may opt out of marketing text messages by replying STOP. For help, you may reply HELP or contact us using the information below.

You may also contact us directly to update your communication preferences.

6. Protecting Your Information

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

However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we take privacy and data protection seriously.

7. Retention of Information

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, maintain business records, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and enforce our agreements.

Because Hall Financial operates in a regulated industry, certain records may be retained for periods required by applicable mortgage, financial services, licensing, consumer protection, and recordkeeping laws.

8. Your Choices

You may contact us to:

  • Request that we update or correct certain information
  • Ask questions about how we use your information
  • Opt out of certain marketing communications
  • Update your communication preferences

Please understand that we may need to retain certain information to comply with legal, regulatory, contractual, or business obligations.

9. Financial Privacy Notice

Because Hall Financial provides mortgage-related financial services, additional privacy notices may apply to consumers and customers under federal financial privacy laws, including the Gramm-Leach-Bliley Act and Regulation P.

Those notices may explain, among other things, how financial institutions collect, share, and protect nonpublic personal information, and whether consumers may limit certain types of sharing.

If a separate financial privacy notice, loan application disclosure, or legally required privacy notice applies to your relationship with Hall Financial, that notice will control to the extent it conflicts with this general website Privacy Policy.

10. Third-Party Websites

Our website may contain links to third-party websites or services. Hall Financial is not responsible for the privacy practices, security, content, or policies of third-party websites.

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

11. Children’s Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information to us, please contact us so we can take appropriate action.

12. State-Specific Rights

Depending on where you live, you may have certain rights under applicable state privacy laws. These rights may include the ability to request access to certain personal information, request correction, request deletion, or opt out of certain uses of personal information.

Hall Financial will respond to applicable privacy requests as required by law. Some information may be exempt from certain state privacy laws because it is collected, processed, or maintained under federal financial privacy laws or other legal obligations.

13. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. When we make updates, we will revise the effective date at the top of this page.

Your continued use of our website after updates are posted means you acknowledge the updated Privacy Policy.

14. Contact Us

If you have questions about this Privacy Policy or Hall Financial’s privacy practices, you may contact us at:

Hall Financial
Email: info@callhallfirst.com
Phone: (866) 225-5425
Website: CallHallFirst.com