Privacy Policy

Effective Date: February 27, 2026

Clover Key LLC
101 State Drive, Suite 210
Hollister, MO 65672
Company NMLS #2810182
Chad Cody NMLS #1656573
417-337-3083
chad@cloverkeylending.com

Our Commitment to Privacy

Safeguarding our customers’ privacy is extremely important to us. As we continue to improve and expand our services, we recognize our customers’ need and desire to preserve their privacy and confidentiality.

Clover Key LLC has adopted standards designed to maintain and protect the confidentiality of customers’ nonpublic personal information in compliance with the Gramm-Leach-Bliley Act (GLBA) and applicable federal and Missouri laws.

This Privacy Policy affirms our continued commitment to safeguarding your information.

Information We Collect

We maintain physical, electronic, and procedural safeguards designed to protect your personal information.

We gather nonpublic personal information about our customers as necessary to conduct business and provide mortgage brokerage services. We do not disclose nonpublic personal information about our customers or former customers to any third party except as permitted or required by law.

1. Information You Provide to Us

Information received from you on applications or other forms, over the telephone, in face-to-face meetings, or via the Internet. Examples include:

  • Name

  • Address

  • Telephone number

  • Email address

  • Social Security number

  • Credit history

  • Employment information

  • Income and asset information

  • Other financial information

2. Information About Your Transactions

Information regarding your transactions with us or others, including:

  • Payment histories

  • Account balances

  • Loan application details

  • Account activity

3. Information from Consumer Reporting Agencies

Information received from credit bureaus and reporting agencies, including:

  • Credit reports

  • Credit scores

  • Creditworthiness information

4. Information from Employers and Other Third Parties

Information used to verify information you have provided to us, including:

  • Verification of employment

  • Income verification

  • Deposit verification

  • Asset confirmations

Text Messaging & Electronic Communications Policy

By providing your phone number and/or email address, you consent to receive text messages, calls, and emails from Clover Key LLC related to mortgage services.

Opt-In

You may opt in to receive text messages by:

  • Submitting your phone number through our website

  • Providing written or verbal consent during the application process

Message frequency varies. Standard message and data rates may apply.

Opt-Out

You may opt out of receiving text messages at any time by:

  • Replying STOP to any text message

  • Contacting us directly at 417-337-3083

You may unsubscribe from marketing emails by clicking the unsubscribe link included in emails.

Purpose of Messaging

Text messages may include:

  • Mortgage application updates

  • Appointment reminders

  • Document requests

  • Loan status updates

  • Other communications related to mortgage services

Mobile Data Sharing

We do not share mobile information collected for text messaging with third parties or affiliates for marketing or promotional purposes.

Mobile information may be shared with service providers solely for operational support, such as:

  • Text messaging platforms

  • Customer support services

Security Measures

We use reasonable administrative, technical, and physical safeguards to protect personal information collected through text messaging and other communications, including:

  • Encryption

  • Access controls

  • Secure document storage

  • Employee confidentiality training

Information We Disclose

Your personal information is retained solely for the purpose of:

  • Processing mortgage applications

  • Responding to inquiries

  • Complying with legal and regulatory requirements

We may disclose information:

  • To wholesale lenders

  • To credit reporting agencies

  • To title companies and appraisers

  • To regulatory authorities

  • As required by law

We do not sell your personal information.

Website Data & Consent

By submitting data through our website, you provide explicit consent to the transmission and processing of your information as described in this policy.

We treat all customer data as confidential and require strict adherence to privacy and data protection standards by all employees.

Third-Party Links

Our website may contain links to third-party websites. These sites are not governed by this Privacy Policy. We encourage you to review their privacy policies separately.

Data Retention

We retain personal information as required by:

  • Federal mortgage lending regulations

  • NMLS recordkeeping requirements

  • Anti-money laundering regulations

  • Other applicable federal and Missouri laws

Questions or Concerns

If you have questions about this Privacy Policy or concerns about your personal information, please contact:

Chad Cody
Clover Key LLC
101 State Drive, Suite 210
Hollister, MO 65672
Phone: 417-337-3083
Email: chad@cloverkeylending.com