I. INTRODUCTION

ABCLower.com (“ABCLower,” “Company,” “we,” “our,” or “us”) is an online platform operated by ABC GRAND INC, a licensed mortgage and lending entity. We provide information, tools, and services that help users learn about financing and refinancing products for lenders, note holders, investors, and financial institutions.

We respect your privacy and are committed to protecting the information you share with us. This Privacy Policy (“Policy”), together with our Privacy Notice for California Residents, explains how we collect, use, protect, and disclose your information when you access:

• The website at www.abclower.com, including any subdomains (the “Website”).

• Email, SMS, phone communications, or other electronic messages between you and ABCLower.

• Any services, tools, or features provided by ABCLower (the “Services”).

• Communications and interactions you have with us offline.

This Policy does not apply to information collected by:

• Third-party financial institutions, lenders, or service providers you may interact with through our Services.

• Any third-party website, application, or content linked from our Website.

PLEASE READ THIS POLICY CAREFULLY.
By accessing or using our Website or Services, you acknowledge and agree to this Privacy Policy. If you do not agree, please discontinue use of the Website and Services.

We may modify this Policy from time to time (see Changes to This Policy). Your continued use of the Website after updates are posted means you accept the revised Policy.

Important Notice:
The Website and Services are intended for use only by adults age 18 and older. We do not knowingly collect information from anyone under 18.

II. INFORMATION WE COLLECT AND HOW WE COLLECT IT

1. Personal Information You Provide

We may collect personally identifiable information (“Personal Information”), including but not limited to:

• Name

• Postal address

• Email address

• Telephone or mobile number

• Any other identifier through which you can be contacted

2. Other Information We May Collect

We may also collect additional information (“Other Information”), such as:

• Income, business financial details, or credit-related information

• Information you voluntarily provide about a third party

• Device information, IP address, browser type, and usage data

You may still use our Website without providing certain information, but some features or Services may not function fully.

If you provide information about another individual, you represent that you have permission to do so. That individual may contact us at info@abclower.com to request removal.

3. How We Collect Information

We collect information:

• Directly from you (forms, applications, communications)

• Automatically via cookies, analytics tools, and browsing data

• From third-party financial service providers who may share information depending on their policies

Information You Provide to Us Directly

This includes:

• Information submitted through forms on our Website

• Requests for financing information

• Email or phone correspondence

• Survey responses

• Search queries

• Records of transactions or interactions with ABCLower

If you submit a financing request, you may be redirected to external third-party lender systems. Information submitted there is governed by their privacy policies—not this one.

4. Automatically Collected Information

We may use tracking technologies to collect:

• Details of your visits to our Website (traffic data, logs, location information)

• Device and browser information

• Interaction patterns with our Website

Analytics Tools

We may use third-party analytics services (e.g., Google Analytics, Meta tracking tools, etc.) to gather aggregated browsing and behavior data. These providers may use cookies or other identifiers to perform analytics on our behalf.

We do not control how third-party analytics providers use their tracking technologies. Please review their respective privacy policies for additional information.

Cookies and Tracking Technologies

We use:

• Cookies

• Web beacons

• Pixels

• Similar technologies

You can adjust your browser settings to refuse cookies, but some Website features may not function correctly.

III. THIRD-PARTY TRACKING AND ADVERTISING

Some Website content or functionality may be delivered by third parties (advertisers, lenders, analytics providers). These parties may use their own cookies or tracking tools to collect information about your online behavior over time and across websites.

We do not control third-party tracking technologies and are not responsible for their practices.

For choices regarding advertising, see Your Choices About Information Use below.

IV. HOW WE USE YOUR INFORMATION

We use the information we collect, including Personal Information, to:

• Present our Website and Services

• Deliver the services or information you request

• Communicate with you about financing options

• Match you with lenders or financing programs

• Improve Website performance and user experience

• Customize and personalize your browsing experience

• Respond to your inquiries and support needs

• Prevent fraud or unlawful activity

• Comply with legal and regulatory obligations

• Market our own and third-party products and services (you may opt out)

• Any purpose disclosed to you at the time of collection

• Any purpose with your consent

We may use your information to show advertisements or marketing aligned to your interests. You may opt out as described below.

Data Retention
We retain your information only for as long as necessary to:

• Provide the Services

• Comply with legal obligations

• Maintain business and regulatory records

• Protect our rights

V. HOW YOUR INFORMATION MAY BE USED BY FINANCIAL SERVICE PROVIDERS

If you request financing information, you authorize ABCLower to share your details with lenders, mortgage brokers, or financial service providers.

These providers may:

• Obtain consumer or credit reports

• Perform background or eligibility checks

• Use third-party services for underwriting

Once data is provided to a lender or financial institution, their privacy policies apply—not this Policy. You may receive communications (email, SMS, phone, automated calls) from those providers.

VI. DISCLOSURE OF YOUR INFORMATION

We may disclose your information:

• To our subsidiaries, affiliates, or internal service providers

• To lenders, mortgage companies, and financial partners

• To third-party vendors supporting our operations

• To regulators, government agencies, or legal authorities

• During corporate transactions (merger, sale, restructuring)

• To prevent fraud, protect security, or enforce rights

• For marketing by third parties if you have not opted out

• For any purpose you consent to

• As required by law

Telephone Consumer Protection Act (TCPA) Notice:
By providing your phone number, you consent to calls or texts, including automated dialing systems, from ABCLower and its partners. Consent is not a condition of obtaining services.

VII. YOUR CHOICES ABOUT HOW WE USE AND DISCLOSE INFORMATION

You may:

• Disable cookies through your browser

• Opt out of marketing or third-party promotional communications by emailing info@abclower.com

• Use unsubscribe links in emails

• Adjust your ad preferences on platforms such as Google or Meta

California residents have additional rights described in our California Privacy Notice below.

VIII. “DO NOT TRACK” DISCLOSURE

There is no industry standard for responding to Do-Not-Track signals.
ABCLower does not currently act on such signals.

IX. ACCESSING, CORRECTING, OR DELETING YOUR INFORMATION

To request access, corrections, or deletion, email info@abclower.com.

We may limit changes if they are prohibited by law or would cause inaccuracies.

X. YOUR CALIFORNIA PRIVACY RIGHTS

(See full California Privacy Notice below.)

XI. DATA SECURITY

We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including SSL encryption.

However, transmitting data over the Internet is not entirely secure. We cannot guarantee absolute security.

XII. CHANGES TO THIS POLICY

We will post updates to this Privacy Policy on this page with the revision date.
Significant changes may be communicated via email or Website notice.

XIII. CONTACT INFORMATION

For privacy questions or requests:

Email: info@abclower.com
Phone: 800-240-0270
Company: ABCLower.com, a dba of ABC GRAND INC

Licensing:

• NMLS: 2265958

• AZ Mortgage Banker License: BK-2007391

• CA DFPI Financing Law License: 60DBO-52859

• Oregon Mortgage Lending License: 2265958

Last Updated: Nov 25, 2025