Privacy Statement
This Privacy Policy applies to Advantage Plus Mortgage, LLC and dba Lentor and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all reference to the company also includes: Advantage Plus Mortgage, LLC, Lentor and www.lentor.com.
This Privacy Policy applies to all personal information collected, used, or retained by Advantage Plus Mortgage, LLC and Lentor, an Ohio-based mortgage lender, in connection with mortgage origination, underwriting, closing, and managing mortgage loans and records. The company complies with both the Gramm-Leach-Bliley Act (GLBA) Regulation P and applicable provisions of the Ohio Personal Privacy Act (OPPA). By using the company's website, you consent to the data practices described in this statement.
Company and Privacy Contact
Advantage Plus Mortgage, LLC and Lentor
Privacy Compliance Officer
Email: complianceofficer@lentor.com
Phone: 614-496-8692
Collection of Personal Information
In order to process your mortgage loan application, the company may collect personally identifiable information, including nonpublic personal information (NPI), including but not limited to:
Identifiers
- First name
- Last name
- Mailing address
- Email address
- Phone number
- Social Security number
Financial Data
- Income
- Assets
- Credit history
- Employment information
- Property information
- Government issued IDs
- Mortgage application data
Collection and Use of Information
Advantage Plus Mortgage, LLC and Lentor use the personal information collected to process, underwrite, and close your mortgage loan application. The information provided may be used to verify your eligibility and identity to comply with all legal and regulatory requirements and communicate with you in regard to your mortgage loan application. We do not collect any personal information about you unless you voluntarily provide it to us.
However, you may be required to provide certain personal information to us when you elect to use certain products or services.
Information Sharing and Disclosure
Advantage Plus Mortgage, LLC and Lentor do not sell your personal information for marketing purposes. The company may share your NPI with affiliates for loan servicing or related services. The company may also share NPI with non-affiliated third parties such as title companies, appraisers, insurance providers, credit bureaus, and regulatory authorities when necessary to complete the mortgage loan process or when required by law.
Opt-Out Rights
In connection with your mortgage loan application, your personal information may be disclosed to a third party for business purposes of processing, underwriting, and closing your mortgage loan application.
Under GLBA you have the right to opt-out of having your NPI shared with non-affiliated third parties for marketing purposes. To opt-out, please contact the company's privacy compliance officer at complianceofficer@lentor.com or call 614-496-8692.
Security of Personal Information
Advantage Plus Mortgage, LLC and Lentor keep your personal information secure from unauthorized access, use, or disclosure. When personal information is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
The company strives to take appropriate security measures to protect against unauthorized access to or alteration of your personal information.
Regrettably, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed.
Children's Online Privacy Protection Act (COPPA)
Advantage Plus Mortgage, LLC and Lentor is a mortgage lender whose products are intended for individuals 18 years or older. The website is not intended for users under the age of thirteen years. The company does not knowingly collect or intend to collect information from children. If you are younger than thirteen, do not submit any personal information.
Consumer Rights (Ohio OPPA)
Under Ohio's Privacy Protection Act (OPPA), Ohio residents may request:
- Access to their personal data
- Corrections to inaccuracies of data
- Deletion of data when permitted by law
- Opt-out of certain data sharing
Third Party Technology Use
Advantage Plus Mortgage, LLC and Lentor use a third-party technology vendor as our mortgage loan origination platform for the intake, processing, and related documentation tied to your mortgage loan application. To provide transparency to our clients on any information collected or shared, we have identified the relationship and the sharing of information that may occur when using our website www.lentor.com to submit your mortgage loan application.
Advantage Plus Mortgage, LLC and Lentor use a secure, third-party loan origination platform, ARIVE, to accept, process, and provide documentation on your mortgage loan application. This third-party vendor allows the company to collect your application information, manage required disclosures, and communicate securely with you during the mortgage loan process.
- All personal and financial information you submit in connection with your mortgage application remains subject to Advantage Plus Mortgage, LLC and Lentor privacy and security policies. ARIVE is a technology vendor that does not make credit or lending decisions, nor are they permitted to sell your data.
- Advantage Plus Mortgage, LLC and Lentor only provides ARIVE information necessary to carry out the required mortgage processing tasks. ARIVE may use other third-party service providers in connection to processing your mortgage loan, such as disclosure generating tools, credit reporting agencies, or e-signature services, as part of the mortgage loan process. All third-party providers are required to protect the consumer's personal information.
- Advantage Plus Mortgage, LLC and Lentor manage how and when your information is entered into the ARIVE platform. However, ARIVE's own privacy policy will govern how they operate their platform. You can review ARIVE's Privacy Policy here and ARIVE's Terms of Use here.
- Advantage Plus Mortgage, LLC and Lentor allow limited access to authorized personnel and any necessary third-party providers such as lenders, title companies, and appraisers, but that access is limited to need-to-know users granted through the ARIVE platform.
Resources and Other Site Links
Advantage Plus Mortgage, LLC and Lentor use other resources including links to other websites. The company is not responsible for the content or security of these other websites. Consumers are encouraged to review each individual website's privacy policy.
Record Retention
Advantage Plus Mortgage, LLC and Lentor are required by law to maintain mortgage transaction records for a minimum of five years. The company may store your data on servers provided by third-party data storage vendors with whom we have contracted. After the required record retention time has expired, the records are securely deleted, including all consumer NPI data.
Consumer Consent
If you decide to use our website, you are engaging in a business relationship with Advantage Plus Mortgage, LLC and Lentor and you agree to be contacted by the company via any means outlined herein including phone, email, standard mail, and SMS text messages.
To opt-out, contact our Privacy Compliance Officer at complianceofficer@lentor.com or call 614-496-8692.
Changes to Privacy Policy
Advantage Plus Mortgage, LLC and Lentor reserve the right to change this policy as needed. It is the consumer's responsibility to confirm the current policy at the time of use.