Privacy Policy

Verus Residential Loanco, LLC and its affiliate companies (“Verus,” “we,” “us” or “our”) recognizes the importance of protecting the privacy of our online visitors. The following privacy policy (“Privacy Policy”) is the way we handle information learned about you from your visits to our website available at www.verusmc.com, www.veruswholesale.com, and all other websites we operate from which you are accessing this Privacy Policy (collectively, the “Site”). However, please note that this Privacy Policy does not apply to the information we collect in an employment context.

We currently only accept business and Site visitors within the United States. IF YOU ARE LOCATED OUTSIDE THE UNITED STATES, OR IF DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SITE.

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you access or use the Site or submit information to or through the Site, you consent to the collection, use, disclosure, retention and processing of your information as described in this Privacy Policy, and  accept the terms of our Terms of Use.

Personal Information

Verus collects personally identifiable information from you through the Site when you contact us through the Site’s contact form, or create an account for our correspondence portal or seller portal, including but not limited to information such as your name, address, email address, phone number, information about your employment or income history, or other information you choose to provide to us. This information is collected and stored electronically when you submit it to us through the Site.

Information Collected Automatically

In addition, information about your computer hardware and software is automatically collected by Verus when you use the Site. This information may include: your IP address, browser type, domain names, access times, geographic location, referring website addresses and other technical information such as protocol status and substatus, bytes sent and received, and server information. We may also collect information about how you interact with the Site. This information is used by Verus for its business purposes, including for the operation and improvement of the Site, for technical troubleshooting, to maintain quality of the Site and to provide general statistics regarding use of the Site.

Cookies and Other Information Collection Tools

Cookies

What are cookies? A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.

We may use “session cookies” or “persistent cookies.” Session cookies are temporary and expire once you close your browser or once your session ends. Persistent cookies remain on your device for much longer or until you or your browser erase them. Persistent cookies have varying durations that are dependent on their expiration date.

Why do we use them? Cookies help us improve the Site by providing us with information about which parts of the Site are most popular, enabling us to analyze technical and navigational information about the Site, and helping us to detect and prevent fraud. We also use cookies and other data collection tools (such as web beacons and server logs) to help improve your experience with the Site. For example, we use Google Analytics to help analyze how users use the Site. These tools use cookies to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the Site (including IP address) is transmitted to our data collection tool service providers. This information is then used by us to evaluate visitors’ use of the Site and to compile statistical reports on website activity for Verus. If you would like to opt-out from the use of your information by Google analytics, you may use Google Analytics opt-out browser add-on designed for this purpose.

How do I control cookies? Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site. You may manage your cookie preferences on the Site by clicking here.

Web Beacons and Pixels

A web beacon or pixel is an HTML code snippet embedded in a website or email that collects information about user behaviors and interactions with the website or email.

We may utilize web beacons or pixels both on certain aspects of the Site and in HTML-formatted email messages to you. Web beacons or pixels may be used for the purpose of, among other things, measuring the success of our marketing campaigns, compiling statistics about Site usage and tracking the activities of users of the Site and email recipients. For instance, we may use pixels from X on the Site to enable us to create targeted advertisements and measure the effectiveness of our advertisements. For additional information on interest-based advertising, please see the “Interest-Based Advertising” section below.

Interest Based Advertising

We may collect information about your online activities on our Site to provide you with advertising about products tailored to your individual interests. We also may obtain information for this purpose from third-party websites on which our advertisements are served.

You may see certain advertisements on other websites because we work with advertising partners (including advertising networks) to engage in remarketing and retargeting activities. Our advertising partners allow us to target our messaging to users through demographic, interest-based and contextual means. These partners track your online activities over time and across websites, including our Site, by collecting information through automated means, including through the use of third-party cookies, web server logs and web beacons or pixels. They use this information to show you advertisements that may be tailored to your individual interests. The information our advertising partners may collect includes data about your visits to websites that participate in the relevant advertising networks, such as the pages or advertisements you view and the actions you take on the websites. This data collection takes place both on our Site and on third-party websites that participate in the ad networks. This process also helps us track the effectiveness of our marketing efforts. For example, we utilize certain of our advertising partners’ targeted advertising services to show you our advertisements on other websites based on your prior visits to our Site and other online activity.

Provided that a company participates in industry-developed programs designed to provide consumers choices about whether to receive targeted advertising, you may opt out of interest-based advertising generally through the Network Advertising Initiative website or by visiting http://www.aboutads.info/choices/ (web-based advertising) or http://www.aboutads.info/appchoices (for mobile advertising). To learn more, please visit the websites operated by the Network Advertising Initiative and Digital Advertising Alliance at www.networkadvertising.org/choices. Opting-out does not mean that you will stop receiving advertisements from us. It means that you will stop receiving advertisements from us that have been targeted to you based on your visits and browsing activity across websites over time.

How Information is Used

We may use the information we collect for any of the following purposes:

• to provide the Site to you and to optimize and improve the Site;
• to provide you with our products and services;
• to operate and personalize the products and services we offer, and to give each user a more consistent and personalized experience when interacting with us;
• to personalize our advertising and marketing communications, and to deliver promotions and offers to you that we think may be of interest to you;

• if you sign up for our email list, to send you emails about our services or offers that we think might be of interest to you;
• to fulfill the request or satisfy the reason for which the information is provided. For example, if a third-party loan originator provides us with personal information in order for us to consider buying a loan, we use that information to assess the eligibility of the loan for purchase;
• in connection with activities related to our secondary market activities of buying and selling mortgage loans.  For example, we use personal information to evaluate loans that we are considering buying and to monitor the performance of loans of loans owned by our affiliates;
• to establish and manage our relationships with third party loan originators and other counterparties with whom we conduct business.  This may include names, email addresses, phone numbers and other contact information for the employees of the counterparties with whom we conduct business;
• if you send us an email or message and provide your name or other personal information, we may use this information to research your question, to send an answer to your question and to deliver the requested information or service to you;
• with regard to Site visitor information, to measure the number of visitors to different pages on the Site, evaluate, modify and enhance our Site.
• to carry out our obligations and enforce our rights arising from any loan documents or other contracts we have entered into, including for collections;
• for customer service, security or the prevention, detection, or investigation of fraud, suspected or actual illegal activity, or other misconduct;
• for archival and backup purposes in connection with the provision of the Site;
• for research and analysis purposes;
• for our other business purposes, such as data analytics, audits, developing new products or services, improving our products and services determining the effectiveness of our promotional campaigns and seeking advice from lawyers, auditors and other professional advisers;
• as we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal process; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy and our Terms of Use; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.

Sharing of Information

With Third Party Service Providers Performing Services on Our Behalf. We share your personal information with our service providers to perform the functions for which we engage them. For example, we may use third parties to host the Site or assist us in providing functionality on the Site, or to send out email updates about the Site or our products and services.

With Our Parent Company, Subsidiaries, Affiliates or Other Related Companies. We may share your information with our parent company, subsidiaries, affiliates or other related companies for our internal business purposes. These companies may include, but are not limited to, Verus Commercial Real Estate Finance, LLC, Invictus Capital Partners, LP, Verus Mortgage Trust 1A, Verus Mortgage Trust 15A, Verus Season Co, LLC and VRL Employee Co, LLC.

Lending Partners. We may share your information with our lending partners to provide you with the products and/or services you have requested.

Through Tracking Technologies. We may share information collected through tracking technologies set on the Site with our website analytics and digital advertising service providers.

For Legal Purposes. We also may share information that we collect from users as needed to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose personal information as we deem necessary to respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process. We may also share personal information as required to pursue available remedies or limit damages we may sustain.

Changes of Control. We reserve the right to transfer or assign the information that we have collected from users, including your personal information, in connection with a corporate transaction, such as a divestiture, merger, consolidation, reorganization or sale, or in the unlikely event of bankruptcy.

Unsubscribe

You may choose to stop receiving our marketing emails by following the unsubscribe instructions included in such emails.

Security Used & Retention of Personal Information

Verus uses reasonable security measures designed to prevent unauthorized intrusion to the Site and the alteration, acquisition or misuse of personal information. However, please note that no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. It is your responsibility to protect the security of your login information.

Verus will retain your personal information for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable laws or regulation.

Links to External Websites

Our Site may contain links to third-party websites and online services. Any access to and use of such third-party websites is not governed by this Privacy Policy, but instead is governed by the privacy policies of those third-party websites, and we are not responsible for the information practices of such third-party websites and online services.

Social Media

Some aspects of the Site may allow you to interface with social media, such as Facebook, X and LinkedIn. We will attempt to identify these aspects of the Site to you, for example, by identifying them with the applicable third-party logos or trade names. By using these interfaces, you will allow us to access information about you from those other online services, including information and other content that you submit to those online services. If you interface with the Site through your social media account, we may contact you or enable you to share your experience and content via your social media account, which information may be publicly viewed by other users of those services. For a description on how such social media services and other third-party platforms, plug-ins, integrations, and applications handle your information, please refer to their respective privacy policies and terms of use, which may permit you to modify your privacy settings with that service or platform.

Do Not Track

Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.

Children

We do not knowingly collect or maintain personal information from any person under the age of 16. No parts of our Site are directed to or designed to attract anyone under the age of 16.

Nevada Residents

Under Nevada law, Verus does not sell your personal information. However, if you are a Nevada resident, you may submit a request that we not sell any personal information we have collected about you by contacting us at: legal@verusmc.com.

Contact Information; Questions and Changes in Information

If you have any questions regarding this Privacy Policy or to request changes to your personal information, please contact us by email at legal@verusmc.com.

Notification of Changes

This Privacy Policy was last updated on March 7, 2025.  We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will notify you by posting the updated Privacy Policy on our website homepage.  Please be sure to check back periodically for any updates.

Privacy Policy for California Residents

This Privacy Policy for California Residents (“California Privacy Policy”) describes practices regarding the collection, use, and disclosure of the personal information of California residents (“Consumers”) by Verus Residential Loanco, LLC and its subsidiaries (“Company,” “we,” “us,” or “our”), describes the rights of Consumers under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 and its implementing regulations (“CCPA”), and explains how Consumers may contact the Company to exercise those rights. This Policy only applies to the personal information of Consumers (i.e., California residents).

Definition of Personal Information

We collect certain "personal information" from Consumers.  The CCPA defines personal information as information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or household.  Personal information does not include:

• Publicly available information lawfully made available from government records or information that a business has a reasonable basis to believe is lawfully made available to the general public by the Consumer or from widely distributed media.
• De-identified or aggregated information.
• Information excluded from the CCPA’s scope, including but not limited to personal information covered by certain other privacy laws, like the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) and California Financial Information Privacy Act (“FIPA”).

What Personal Information We Collect

We have collected the following categories of personal information from Consumers within the last twelve (12) months:

We will retain the personal information described above for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable laws or regulation.

Categories of Sources

We obtain the categories of personal information listed above from:

• You, directly or indirectly, including but not limited to when you access or use the Site.
• Third-party originators from which we buy or consider buying loans, from our loan servicing agents and from our service providers in connection with the purchase and sale of such loans.
• Other third-parties from whom we obtain products or services for credit and due diligence purposes.
• Service providers, including those that provide website analytics services to help us understand the activities taken on the Site.

How We Use Personal Information

We may use or disclose personal information we collect for one or more of the following business purposes:

• To provide the Site to you and to optimize and improve the Site;
• To provide you with our products and services;
• To operate and personalize the products and services we offer, and to give each user a more consistent and personalized experience when interacting with us;
• To personalize our advertising and marketing communications, and to deliver promotions and offers to you that we think may be of interest to you;
• If you sign up for our email list, to send you emails about our services or offers that we think might be of interest to you;
• To fulfill the request or satisfy the reason for which the information is provided. For example, if a third-party loan originator provides us with personal information in order for us to consider buying a loan, we use that information to assess the eligibility of the loan for purchase.
• In connection with activities related to our secondary market activities of buying and selling mortgage loans.  For example, we use personal information to evaluate loans that we are considering buying and to monitor the performance of loans of loans owned by our affiliates.
• To establish and manage our relationships with third party loan originators and other counterparties with whom we conduct business.  This may include names, email addresses, phone numbers and other contact information for the employees of the counterparties with whom we conduct business.
• If you send us an email or message and provide your name or other personal information, we may use this information to research your question, to send an answer to your question and to deliver the requested information or service to you.
• With regard to Site visitor information, to measure the number of visitors to different pages on the Site, evaluate, modify and enhance our Site.
• To carry out our obligations and enforce our rights arising from any loan documents or other contracts we have entered into, including for collections.
• For customer service, security or the prevention, detection, or investigation of fraud, suspected or actual illegal activity, or other misconduct.
• For our other business purposes, such as data analytics, audits, developing new products or services, improving our products and services, determining the effectiveness of our promotional campaigns and seeking advice from lawyers, auditors and other professional advisers.
• As we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal process; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy and our Terms of Use; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.

How We Disclose Personal Information

We may disclose your personal information to third parties for business-related purposes.  In the preceding twelve (12) months, we may have disclosed the following categories of personal information for a business purpose:

• Category A: Identifiers.
• Category B: California Customer Records personal information categories.
• Category C: Protected classification characteristics under California or federal law.
• Category D: Commercial information.
• Category F: Internet or similar network activity.
• Category G: Geolocation data.
• Category I: Professional or employment-related information.
• Category H: Sensitive Personal Information.

Each of the above categories are disclosed for a business or commercial purpose as described in the section entitled “How We Use Personal Information” above to the third parties listed in the section entitled “Third Parties to Whom We Disclose Personal Information” below.

Third Parties to Whom We Disclose Personal Information

We may disclose your personal information to the following categories of third parties:

• Service providers
• Our parent company, subsidiaries, affiliates or other related companies
• Lending partners
• Law enforcement, courts, governmental/regulatory authorities as needed to enforce our rights; protect our property or protect the rights, property or safety of others; as needed to support external auditing, compliance and corporate governance functions; respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process; as required to pursue available remedies or limit damages we may sustain.
• Third parties as part of a corporate transaction, such as a divestiture, merger, consolidation, reorganization or sale, or in the unlikely event of bankruptcy.

 How We Sell or Share Personal Information

In the preceding twelve (12) months, we may have sold or shared the following categories of personal information:

• Category A: Identifiers.
• Category F: Internet or similar network activity.
• Category G: Geolocation data.

Such information is sold to or shared with our third-party website analytics and digital advertising service providers.

We may share or sell such information:

• To provide the Site to you and to optimize and improve the Site;
• To operate and personalize the products and services we offer, and to give each user a more consistent and personalized experience when interacting with us;

• To personalize our advertising and marketing communications, and to deliver promotions and offers to you that we think may be of interest to you;
• To measure the number of Site visitors to different pages on the Site, evaluate, modify and enhance our Site.
• For security, or the prevention, detection, or investigation of fraud, suspected or actual illegal activity, or other misconduct;
• For archival and backup purposes in connection with the provision of the Site;
• For our other business purposes, such as data analytics, audits, developing new products or services, improving our products and services, determining the effectiveness of our promotional campaigns and seeking advice from lawyers, auditors and other professional advisers;
• As we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal process; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy and our Terms of Use; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.

Third Parties to Whom We Disclose Personal Information

We may sell or share your personal information to the following categories of third parties:

• Third-party website analytics providers
• Third-party digital advertising service providers.

Consumer Rights

This section describes certain rights of Consumers under the CCPA. For information on how Consumers may contact the Company to exercise these rights, please see the section below entitled, “How to Submit a Request.”

Right to Know

A Consumer has the right to request that a business disclose what personal information it collects, uses, discloses, sells or shares. Specifically, a Consumer may request that we disclose to the Consumer the following:

• The categories of personal information we collected about that Consumer.
• The categories of sources from which the personal information is collected.
• The business or commercial purpose for collecting, selling or sharing personal information.
• The categories of third parties with whom we disclose personal information.
• The specific pieces of personal information we collected about that Consumer.

A Consumer may also request that we disclose to the Consumer:

• The categories of personal information that we collected about the Consumer.
• The categories of personal information that we sold or shared about the Consumer and the categories of third parties to whom the personal information was sold or, by category or categories of personal information for each third party to whom the personal information was sold or shared.
• The categories of personal information that we disclosed about the Consumer for a business purpose and the categories of persons to whom it was disclosed for a business purpose.

Right to Request Deletion

A Consumer has the right to request that a business delete any personal information about the Consumer which the business has collected from the Consumer. If it is necessary for the Company to maintain the personal information for certain purposes, the Company is not required to comply with your deletion request. If we determine that we will not delete your personal information when you request us to do so, we will inform you and tell you why we are not deleting it.

Right to Opt-Out of Sale or Sharing of Personal Information

A Consumer has the right to direct a business that sells or shares personal information about the Consumer to third parties not to sell or share their personal information. We do not sell your personal information for monetary consideration without your consent. However, we do use cookies and other tracking technologies (e.g., pixels) for analytics and targeted advertising purposes. The collection of data through certain tracking technologies for our analytics and targeting advertising purposes may be considered a “sale” and is considered “sharing” under the CCPA. To opt-out of having your information sold and shared with third-party website analytics and digital advertising service providers for this purpose, visit our “” web page.

We do not have actual knowledge that we sell or share personal information about minors under the age of 16.

Right to Correct Inaccurate Personal Information

A Consumer has the right to request a business that maintains inaccurate personal information about the Consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information.

Right to Limit Use and Disclosure of Sensitive Personal Information

A Consumer has the right to direct a business that collects sensitive personal information about the Consumer to limit its use of the Consumer’s sensitive personal information (1) to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services; (2) for certain business purposes; and (3) as authorized by the implementing regulations of the CPRA. We do not use or disclose your sensitive personal information for purposes other than the aforementioned purposes.

How to Submit a Request

To exercise the rights described above, you must submit a verifiable Consumer request to us by contacting the Company and providing the requested information. You may submit a verifiable Consumer request through any of the following methods:

• By toll free telephone at 1-833-862-3863;
• By visiting our webform  ; or
• By email to legal@verusmc.com

You may submit a request as frequently as you would like, but we are not required to respond to requests to provide personal information to you more than twice in any 12-month period.

You may designate an authorized agent to make a request on your behalf, but we will require that the authorized agent submit proof in the form of a written authorization from you that they have been authorized to act on your behalf.

The verifiable Consumer request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information, or an authorized representative.

• If you are a borrower in connection with a loan owned by the Company, you must provide your full name, address of the property securing the loan, loan number, phone number and describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
• If you have submitted personal information to us through our Site, you must provide your full name, the company on whose behalf you submitted a contact form to us, email address and describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

If we cannot verify your identity or authority to make the request, we will not be able to comply with your request. We will inform you if we cannot verify your identity or authority. We will only use personal information provided in a verifiable Consumer request to verify the requestor’s identity or authority to make the request.

No Discrimination

A Consumer has the right not to be discriminated against because the Consumer exercised any of the Consumer’s rights under the CCPA. The Company may charge a Consumer a different price or rate or provide a different level or quality of goods or services to the Consumer, if that difference is reasonably related to the value provided to the Consumer by the Consumer’s data.

California “Shine the Light” Law

Under California Civil Code Section 1798.83, also known as California’s “Shine the Light” law, California residents with whom we have an established business relationship are entitled to request and receive, free of charge, once per calendar year, information about the customer information we shared, if any, with other businesses for their own direct marketing uses in the previous calendar year. To request a copy, please contact us at legal@verusmc.com. Please be aware that not all information sharing is covered by the “Shine the Light” law requirements and only information on covered sharing will be included in our response.

Changes to This California Privacy Policy

This California Privacy Policy was last updated on [March], 20254.  We reserve the right to amend this California Privacy Policy at our discretion and at any time. When we make changes to this California Privacy Policy, we will notify you by posting the updated California Privacy Policy on our website homepage.  Please be sure to check back periodically for any updates.

How to Contact Us

If you have any questions or comments about this California Privacy Policy, please contact us at legal@verusmc.com.