Privacy Policy

Feria Financial, LLC Last Updated: July 6, 2026

Feria Financial, LLC (“Feria Financial,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy describes how we collect, use, share, and protect your personal information when you visit our website at www.feriafinancial.com (the “Site”), communicate with us, or use our services. By using the Site, you agree to the practices described in this Privacy Policy.

Feria Financial, LLC is a licensed mortgage company located at 10600 Timberwood Cir, Suite 7, Louisville, Kentucky 40223. Corporate NMLS ID: 2226474.

1. Information We Collect

Information you provide directly:

• Contact information — such as your name, email address, and phone number when you fill out our contact form, subscribe to our newsletter, or book an appointment.
• Loan inquiry and application information — when you begin a loan inquiry or application (through the Site or through our secure third-party application platform), you may provide financial information such as income, employment details, assets, Social Security number, credit information, and property information, as required to process a mortgage application.
• Communications — the content of messages you send us by email, phone, text message, or through the Site.

Information collected automatically:

• Usage and device data — such as your IP address, browser type, device type, pages visited, and the date and time of your visit, collected through cookies and similar technologies (including those used by our website platform, Wix, and analytics tools).

2. How We Use Your Information

We use your information to:

• Respond to your inquiries and schedule appointments;
• Process and evaluate loan inquiries and applications;
• Communicate with you about your inquiry, application, or our services;
• Send you newsletters, market updates, promotions, and event information (with your consent, where required);
• Send you text messages if you have opted in (see Section 4);
• Operate, maintain, and improve the Site;
• Comply with legal, regulatory, and licensing obligations applicable to mortgage companies;
• Protect against fraud and unauthorized activity.

3. Financial Privacy (GLBA Notice)

As a mortgage company, we are subject to the Gramm-Leach-Bliley Act (GLBA) and related regulations governing the privacy of consumer financial information. Nonpublic personal information collected in connection with a loan inquiry or application is used and shared only as permitted by law — for example, with lenders, underwriters, credit bureaus, appraisers, title companies, and other parties necessary to process, close, or service your loan, or as otherwise required by law. Customers and applicants receive our GLBA privacy notice as required by federal regulation.

4. SMS / Text Messaging Privacy

If you opt in to receive text messages from Feria Financial, LLC, we will use your mobile phone number to send you the messages described in our Terms & Conditions (marketing, promotions, appointment reminders, and updates about your inquiry or application).

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other categories of information sharing described in this Privacy Policy exclude mobile opt-in data and consent; this information will not be shared with any third parties.

You may opt out of text messages at any time by replying STOP to any message. For help, reply HELP, email info@feriafinancial.com, or call (502) 749-3393. Message and data rates may apply. Message frequency varies.

5. How We Share Information

We do not sell your personal information. We may share your information with:

• Service providers — companies that help us operate our business, such as our website platform (Wix), scheduling tools, email marketing providers, SMS delivery providers, and loan application software providers, under obligations to protect your information;
• Loan processing parties — lenders, investors, underwriters, credit reporting agencies, appraisers, title and escrow companies, and insurers, as necessary to process your loan;
• Legal and regulatory authorities — when required by law, regulation, subpoena, court order, or to protect our rights, or in connection with audits or examinations by licensing regulators;
• Business transfers — in connection with a merger, acquisition, or sale of assets, subject to applicable law.

6. Cookies and Analytics

The Site uses cookies and similar technologies to operate properly, remember preferences, and analyze traffic. You can control cookies through your browser settings; disabling cookies may affect some Site features. Our website platform (Wix) may also place cookies necessary for site functionality and analytics.

7. Third-Party Websites

The Site contains links to third-party websites and services, including our loan application portal, social media pages (Facebook, Instagram, YouTube, LinkedIn), and scheduling tools. This Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any third-party site you visit.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information, and our loan application process is handled through secure, industry-standard platforms. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal, regulatory, and recordkeeping obligations as a licensed mortgage company, to resolve disputes, and to enforce our agreements.

10. Children’s Privacy

The Site is not directed to individuals under 18 years of age, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us and we will delete it.

11. Your Choices and Rights

• Email marketing: You may unsubscribe from our newsletter at any time using the unsubscribe link in any email.
• Text messages: Reply STOP to any message to opt out.
• Access, correction, and deletion: You may contact us to request access to, correction of, or deletion of your personal information. Depending on your state of residence, you may have additional privacy rights under applicable state law. We will honor requests as required by law; note that certain information must be retained to comply with mortgage licensing and regulatory requirements.

To exercise any of these rights, contact us using the information in Section 13.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after changes become effective constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us:

Feria Financial, LLC 10600 Timberwood Cir, Suite 7 Louisville, Kentucky 40223 Phone: (502) 749-3393 Email: info@feriafinancial.com Corporate NMLS ID: 2226474 | NMLS Consumer Access: www.nmlsconsumeraccess.org

Feria Financial, LLC is an Equal Housing Opportunity provider.

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