Privacy Policy
Spilman Lending LLC
Effective Date: May 1, 2026
This Privacy Policy governs the manner in which Spilman Lending LLC collects, uses, maintains, and discloses information collected from users of the spilmanlending.com website (“Site”). This Privacy Policy applies to the Site and all products and services offered by Spilman Lending LLC.
1. Information We Collect
Personal Identification Information
We may collect personal identification information from users in a variety of ways, including when users visit our site, fill out a form, apply for a mortgage, or contact us for support. This may include name, email address, phone number, and other information you voluntarily provide. Users may visit our Site anonymously. We will collect personal identification information only if voluntarily submitted.
Non-Personal Identification Information
We may collect non-personal identification information about users whenever they interact with our Site, such as browser name, device type, operating system, and internet service provider details.
Web Browser Cookies
Our Site may use cookies to enhance user experience. Users may choose to set their web browser to refuse cookies. If they do so, some parts of the Site may not function properly.
2. How We Use Collected Information
Spilman Lending LLC may collect and use your personal information to:
• Respond to your mortgage inquiries and customer service requests
• Process and manage your loan application
• Send loan application status updates, document requests, and appointment reminders
• Improve our website and services
• Send periodic emails or communications you have opted into
• Comply with applicable federal and state lending laws and regulations, including TILA and RESPA
• Assist law enforcement as required by law
• Prevent fraudulent activity on our website
3. How We Protect Your Information
We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information. Our Site uses Secure Socket Layer (SSL) technology for all sensitive information. All transactions are processed through a gateway provider and are not stored or processed on our servers.
4. SMS / Text Messaging Privacy
If you have opted in to receive SMS/text messages from us, we are committed to protecting your privacy regarding these communications.
Non-Sharing of Mobile Data
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent will not be shared with any third parties, excluding only the wireless carriers and aggregators strictly necessary to transmit the SMS messages you have consented to receive. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Opt-Out Control
You can stop receiving text messages at any time by replying STOP to any message we send. Upon doing so, we will send one final confirmation message and cease all further SMS communications. You may also text CANCEL or UNSUBSCRIBE to opt out.
Help
Text HELP at any time to receive assistance, or contact us at [email protected] or (719) 419-9424.
Message Frequency & Rates
Message frequency varies depending on your loan process stage and interaction with our services. You may receive multiple messages per week during an active application process, and fewer once your transaction is complete. Message and data rates may apply.
Consent Independence
Your consent to receive SMS/text messages is not a condition of purchase or use of any of our products or services, and does not create any obligation on either party.
5. Sharing Your Personal Information
We Do Not Sell Your Data
We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties for marketing or promotional purposes. We do not engage in third-party lead generation or sell consumer contact data to unaffiliated companies.
Limited Sharing with Service Providers
We may share your information with trusted third parties who assist us in operating our website or servicing your loan, including:
• Payment processors — solely for processing payments
• Email service providers — solely for sending communications you have opted into
• Website hosting services — solely for hosting our website
• SMS wireless carriers and aggregators — solely for transmission of text messages you have consented to receive; no opt-in data or consent information is shared for any other purpose
• HighLevel CRM — for client relationship management
• Cloud storage providers — for secure data storage
All third-party service providers are required to keep your information confidential and may only use it to provide services on our behalf.
Other Limited Disclosures
We may also disclose your information:
• As required by law, such as to comply with a subpoena or similar legal process
• When we believe in good faith that disclosure is necessary to protect our rights or the safety of others
• To enforce our Terms and Conditions
• In the event of a merger, acquisition, or sale of assets, subject to a new privacy policy
6. Your Rights
You have the right to:
• Request confirmation of what data we hold about you and how it is used
• Request a copy of the personal data we hold about you
• Request correction of inaccurate personal data
• Request deletion of your personal data, subject to legal retention requirements
• Opt out of marketing communications at any time
To exercise any of these rights, please contact us at [email protected].
7. CAN-SPAM Act Compliance
In accordance with the CAN-SPAM Act, we agree to:
• Not use false or misleading subjects or email addresses
• Identify all messages as commercial communications where applicable
• Include our physical business address in commercial email
• Honor opt-out and unsubscribe requests promptly
• Allow users to unsubscribe via a link in each email
8. Data Retention
We retain personal data as long as necessary for our legitimate business purposes or to comply with our legal obligations, or until you ask us to delete your data. Data that is no longer needed for any legitimate purpose will be permanently deleted.
9. Changes to This Privacy Policy
Spilman Lending LLC has the discretion to update this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage you to review this page periodically. Your continued use of the Site following the posting of changes constitutes your acceptance of those changes.
10. Your Acceptance of These Terms
By using this Site, you signify your acceptance of this Privacy Policy. If you do not agree to this policy, please do not use our Site.
11. Contacting Us
If you have any questions about this Privacy Policy, please contact us at:
Spilman Lending LLC
Website: https://www.spilmanlending.com
Contact Form: https://www.spilmanlending.com/contact-us
Email: [email protected]
Phone: (719) 419-9424
NMLS ID: 2554116
Last Updated: June 12th, 2026