Privacy Policy

Last updated: April 28, 2026

1. Who We Are

This website is operated by Kelvin Craver, a licensed mortgage loan originator (NMLS #2009272, CA DRE #02087655), licensed under KCDH Partners, Inc. and operating under Serv Corp (DRE #02103630, NMLS #1912675). Our business address is located in South Pasadena, California.

2. Information We Collect

When you use our website or contact us, we may collect:

  • Contact information: Name, email address, phone number
  • Inquiry details: Loan type interest, messages you send through our website chat widget or other contact channels
  • Usage data: Pages visited, time on site, referring source (via cookies and analytics)
  • Device information: Browser type, operating system, IP address

We do not collect Social Security numbers, financial account numbers, or credit information through this website. Such information is only collected through our secure loan application system (Arrive) after you choose to apply.

3. How We Use Your Information

  • To respond to your inquiry about mortgage services
  • To send you text messages, emails, and phone calls related to your inquiry (with your explicit consent)
  • To schedule and confirm appointments
  • To send follow-up communications about your mortgage inquiry
  • To improve our website and services
  • To comply with legal and regulatory requirements

4. Text Message (SMS) Communications

We use SMS to support customer service for prospective and active Crave Loans clients. SMS opt-in is collected through the dedicated SMS sign-up form at craveloans.com/sms, where you may choose to share your phone number and consent to text communications.

How you opt in. SMS opt-in is captured exclusively through the dedicated form at craveloans.com/sms. The form requires you to provide your name, email, and phone number, and to affirmatively check a separate, optional, unchecked SMS consent checkbox before submitting. The consent disclosure shown immediately above the SMS checkbox identifies the sender, describes the message types you will receive, states the message frequency, includes the "Message and data rates may apply" disclosure, lists the STOP and HELP keywords, and links to this Privacy Policy and our Terms of Service. SMS consent is never bundled with any other consent.

What you'll receive. When you opt in, you expressly consent to receive text messages from Kelvin Craver and Crave Loans at the phone number you provided, including automated messages for: appointment reminders, application status updates, document requests, callback confirmations, and follow-ups regarding your mortgage inquiry. Message frequency varies (up to approximately 10 messages per month). Message and data rates may apply.

  • SMS consent is never required to receive our mortgage services
  • You may opt out at any time by replying STOP to any message
  • Reply HELP for assistance, or contact team@craveloans.com
  • We will not send SMS messages without your prior express written consent captured via the dedicated SMS sign-up form
  • See our Terms of Service for the full SMS program description and use cases

Mobile information disclosure. No mobile information — including phone numbers, SMS opt-in data, and consent records — will be shared with third parties or affiliates for marketing or promotional purposes. The only exception is the operational delivery of your messages by service providers acting on our behalf (e.g., Twilio for SMS transmission, GoHighLevel for our CRM platform), under contractual data protection obligations and never for those providers' own marketing use. All categories of information sharing described elsewhere in this Policy explicitly exclude text messaging originator opt-in data and consent — this information will not be shared with any third parties for any purpose other than the operational delivery of messages you have requested.

5. Information Sharing

We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

  • Loan processing: With our sponsoring broker (Serv Corp) and lending partners as necessary to process your loan application
  • Service providers: With technology platforms (CRM, email, SMS) that help us communicate with you, under strict data protection agreements
  • Google reCAPTCHA v3: We use Google's reCAPTCHA v3 service on our contact form to detect and prevent spam submissions. Google may collect information about your interaction with the form (such as mouse movements and timing) to score the likelihood that you are a human versus a bot. This data is governed by Google's Privacy Policy
  • Legal requirements: When required by law, regulation, or legal process
  • With your consent: When you explicitly authorize us to share your information

6. Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data using industry-standard practices.

7. Cookies and Tracking

Our website may use cookies and similar technologies to improve your experience and understand how visitors use our site. You can control cookies through your browser settings. We may use analytics services (such as Google Analytics) that collect anonymous usage data.

Our contact form uses Google reCAPTCHA v3, which may set its own cookies and collect device/interaction data as described in Google's Privacy Policy. This data is used solely for spam and abuse detection.

8. Your Rights

You have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your personal information (subject to legal retention requirements)
  • Opt out of marketing communications at any time
  • Opt out of SMS messages by replying STOP

California residents may have additional rights under the California Consumer Privacy Act (CCPA). Contact us to exercise any of these rights.

9. Third-Party Links

Our website may contain links to third-party services (such as our loan application portal). These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party websites.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or your personal information, contact:

Kelvin Craver
NMLS #2009272 | CA DRE #02087655
South Pasadena, California
team@craveloans.com