Privacy Policy

Funding Ave (“Company,” “we,” “us,” or “our”) operates the website located at funding-ave.com (the “Site”).

Mortgage analysis and lead services are provided by Boyd Culver, Mortgage Loan Originator, NMLS# 1762707, licensed under Nexa Mortgage (NMLS# 1660690), licensed to conduct business in the State of South Carolina.

For privacy questions, contact us at: [email protected] or (231) 631-0161

Information you provide directly:

• Name, email address, and phone number
• Property address and real estate information
• Financial information including income ranges and credit score ranges
• Loan goals and mortgage preferences
• Real estate license information (for Realtor accounts)

Information collected automatically:

• Device type (mobile, desktop, tablet)
• Referring website or advertisement (UTM parameters)
• Pages visited and time spent on site
• IP address and browser type

• To generate illustrative mortgage analysis reports and DSCR calculations
• To contact you about your mortgage inquiry
• To verify real estate licenses for Realtor account registrations
• To improve our services and analyze which marketing channels perform best (with cookie consent)
• To comply with legal and regulatory requirements

Discovery information (name, phone, email, and basic property details collected during intake) is retained for a maximum of 7 calendar days from collection, or until your callback is completed — whichever comes first. After that, contact information is automatically deleted.

Calculation data from the DSCR estimator is not stored long-term with your personal information. Do not submit Social Security numbers, bank account numbers, credit reports, tax returns, or detailed underwriting files through this site.

You may request immediate deletion at any time on our Privacy Rights page.

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

• Nexa Mortgage — as required for mortgage origination and processing
• SendGrid (Twilio) — for email delivery
• Anthropic — anonymized data may be processed by AI systems to generate reports
• Law enforcement or regulators — when required by law, court order, or to comply with RESPA, GLBA, or other applicable financial regulations

This notice describes how Funding Ave and Boyd Culver, as a mortgage loan originator affiliated with Nexa Mortgage, collect, disclose, and safeguard your nonpublic personal information in accordance with the Gramm-Leach-Bliley Act (GLBA) and Regulation P.

Categories of information we collect:

• From you: Name, contact information, Social Security number (if you apply for a loan), income and employment information, credit score ranges, property details, loan amounts, and account credentials for Realtor subscriptions
• From your transactions with us: Mortgage inquiry history, report requests, email engagement, and communication preferences. If and when paid features are offered, payment records may also be maintained.
• From third parties: Credit reports (with your authorization), property valuation estimates, license verification data, and marketing attribution data

How we may share your information:

• Service providers — companies that help us process payments, deliver email, host our platform, or generate reports (under confidentiality agreements)
• Nexa Mortgage and its affiliates — to process mortgage applications, underwrite loans, and service accounts you establish with us
• Legal and regulatory purposes — to comply with RESPA, TILA, HMDA, anti-money-laundering laws, court orders, or regulatory examinations

What we do not share: We do not sell your nonpublic personal information. We do not share your nonpublic personal information with nonaffiliated third parties for their own marketing purposes without your consent.

Your opt-out rights: Under GLBA, you may direct us not to share certain nonpublic personal information with nonaffiliated third parties for marketing purposes. To opt out, email [email protected] with the subject line “GLBA Opt-Out” or call (231) 631-0161. Opting out will not affect information sharing necessary to process your mortgage inquiry, complete a transaction you request, or comply with law.

How we protect your information: We maintain administrative, technical, and physical safeguards including SSL/TLS encryption in transit, encrypted database storage, role-based access controls, audit logging, and encrypted storage at rest. Access to nonpublic personal information is limited to personnel who need it to perform their job duties.

Annual notice: We will provide this privacy notice to you when you first establish a customer relationship with us and at least once every 12 months thereafter, or whenever our privacy practices change materially. We reserve the right to modify this notice; the “Last updated” date at the top of this page reflects the most recent revision.

We implement appropriate technical and organizational security measures including:

• SSL/TLS encryption for all data in transit
• AES-256 encryption for sensitive data at rest
• Two-factor authentication for administrative access
• Regular security audits and access logging
• Managed database infrastructure with automated backups

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

California residents have the right to:

• Know what personal information we collect about you
• Request deletion of your personal information
• Opt out of the sale of your personal information (we do not sell it)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at [email protected]

By submitting a form on our Site, you consent to receive email communications from Funding Ave including mortgage analysis reports, rate updates, and relevant mortgage opportunities.

You may unsubscribe at any time by clicking the unsubscribe link in any email or by visiting funding-ave.com/unsubscribe

When you provide your phone number and check the consent box on our Site, you expressly consent to receive phone calls and text messages from Funding Ave, Boyd Culver, and Nexa Mortgage at the number you provide, regarding your mortgage inquiry and related products and services. This includes calls and texts made using an automatic telephone dialing system, an artificial or prerecorded voice, and automated text messaging.

You understand and agree that:

• Consent to receive automated calls or texts is NOT a condition of purchasing any property, good, or service, or of obtaining any mortgage product.
• Message and data rates may apply, and message frequency may vary.
• You may revoke this consent at any time by replying STOP to any text message, by telling any representative who calls you that you wish to stop receiving calls or texts, or by emailing [email protected] with the subject line “STOP CONTACT.”
• We are not responsible for charges imposed by your wireless carrier.
• We maintain records of your consent, including the date, time, and the specific language you agreed to.

If you do not wish to receive automated calls or texts, do not check the consent box. You may still submit your information by other means, and we will contact you only as permitted by law.

We use cookies necessary for site functionality and a cookie notice on first visit so you can accept or decline non-essential tracking.

We collect UTM and marketing-attribution parameters from advertising sources (including TikTok, Facebook, and YouTube) to understand which campaigns drive inquiries, measure channel performance, and follow up appropriately. If you decline non-essential tracking in our cookie notice, we limit non-essential attribution cookies while still processing inquiries you submit.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the “Last updated” date. Your continued use of our services after changes constitutes acceptance of the updated policy.

For privacy questions, requests, or concerns: