Effective Date: February 1, 2026
1. Introduction
Full Spectrum Lending ("Company," "we," "us," or "our") respects your privacy and is committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website https://www.fullspeclending.com and our practices for collecting, using, maintaining, protecting, and disclosing that information.
2. Information We Collect
We collect several types of information from and about users of our Website, including:
Personal Information: Name, postal address, e-mail address, and telephone number.
Financial Information: Information related to mortgage applications, credit scores, and financial history provided via secure portals.
Technical Information: IP addresses, browser types, and usage details collected through cookies.
3. How We Use Your Information
We use information that we collect about you or that you provide to us:
To provide you with information, products, or services that you request from us.
To process your mortgage application and communicate status updates.
To notify you about changes to our website or any products or services we offer.
4. SMS and Mobile Communication (A2P Compliance)
If you opt-in to receive text messages from us, we will use your mobile number to send updates, reminders, and promotional offers.
Consent: No mobile information will be shared with third parties/affiliates. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Opt-Out: You can opt-out of SMS communications at any time by texting "STOP".
5. Disclosure of Your Information
We do not sell, trade, or otherwise transfer your Personal Information to outside parties except as follows:
To contracted service providers who support our business (e.g., mortgage underwriters).
To comply with any court order, law, or legal process.
6. Data Security We adhere to the highest industry standards to protect your personal information. Your data is stored on secure servers and we implement a variety of security measures (including encryption and access controls) to maintain the safety of your personal information when you enter, submit, or access your personal information.
Note: As stated above, your SMS consent and phone number will never be shared with third parties.