Privacy Policy
Last updated: February 25, 2026
The Trusty Lender · NMLS #2579601
The Trusty Lender ("we," "us," or "our") is the personal brand of Liuver Duran, Mortgage Loan Originator (NMLS #2579601), sponsored by Sociable Mortgage LLC (NMLS #2498240). We respect your privacy. This Policy explains how we collect, use, share, and protect your information in connection with our mortgage services, digital tools, and communications.
By accessing our website (thetrustylender.com) or using our tools (TaxIncome Calculator, ChatQualify), you agree to the practices described in this Policy.
a. Personal Information
- Full name
- Phone number and email address
- Mortgage application-related information (income, employment, assets, credit history)
- Documents submitted through secure systems (pay stubs, bank statements, tax returns)
- Social Security Number or ITIN (when required by law)
b. Communication Information
- SMS and email communications
- Application status and workflow data
- Contact forms and consultation requests
c. Technical Information
- IP address and approximate geolocation data
- Device type, operating system, and browser
- Website usage data (pages viewed, session time, clicks)
- Cookies and similar tracking technologies
- Process and evaluate pre-qualification and mortgage loan applications
- Communicate with you about your application status
- Send informational SMS and email updates
- Improve our digital tools and user experience
- Comply with legal, regulatory, and compliance requirements (RESPA, FCRA, TILA, HMDA)
- Prevent fraud and protect the security of our systems
By providing your mobile phone number, you consent to receive informational SMS messages from The Trusty Lender related to your mortgage process.
- Message frequency varies. Message and data rates may apply.
- You may opt out at any time by replying STOP. For help, reply HELP.
- We do not send marketing or promotional text messages without separate, explicit consent.
We do not sell or rent your personal information. We may share information only with:
- Licensed mortgage partners involved in your loan (lenders, title insurance companies)
- Credit bureaus for creditworthiness verification (with your consent)
- Service providers supporting secure messaging or data storage
- Government or regulatory authorities when required by law (HUD, CFPB, NMLS)
- Allied realtors, only with your express authorization
Our website uses first-party and third-party cookies to improve site functionality and analyze traffic. You can control cookie use through your browser settings. Disabling cookies may affect the functionality of some tools.
We implement reasonable administrative, technical, and physical safeguards to protect your information, including SSL/TLS encryption, restricted access, and periodic security audits. However, no system can be guaranteed completely secure.
Information is retained only as long as necessary for business, legal, or regulatory purposes. Loan files may be retained for the period required by applicable federal and state laws (generally 3 to 7 years).
You have the right to:
- Request access to your personal information
- Request correction of inaccurate data
- Request deletion of your information (subject to legal obligations)
- Withdraw consent for marketing communications
- File a complaint with the relevant regulatory authorities
To exercise your rights, contact us at liuver@thetrustylender.com.
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.
We may update this Policy from time to time. Updates will be posted on this page with a revised effective date. We encourage you to review this page periodically.
This Privacy Policy is governed by the laws of the State of Texas, USA, without regard to its conflict of law provisions.