Privacy Policy Disclosure

Effective Date: 11/24/25
Last Updated: 11/24/25

FACTS: What Does Covey Financial LLC Do With Your Personal Information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income
Account balances and payment history
Credit history and credit scores
Employment information
Assets and liabilities
Property information
Insurance information

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Covey Financial LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Covey Financial share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes — to offer our products and services to you	NO	We don’t share
For joint marketing with other financial companies	NO	We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences	NO	We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness	NO	We don’t share
For our affiliates to market to you	NO	We don’t share
For nonaffiliates to market to you	NO	We don’t share

Questions?

Call 1-210-307-1218 or email us at info@coveyfin.com

Who We Are

Who is providing this notice?

Covey Financial LLC, NMLS #1775323

What We Do

How does Covey Financial LLC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also:

Maintain physical, electronic, and procedural safeguards
Restrict access to nonpublic personal information to those employees who need to know that information
Require third parties to whom we disclose information to agree to maintain confidentiality
Use encryption technology to protect data transmission
Regularly review and update our security practices

How does Covey Financial LLC collect my personal information?

We collect your personal information, for example, when you:

Make a mortgage payment or provide mortgage information
Provide account information or give us your contact information
Request information about your loan
Apply for loss mitigation assistance
Contact us regarding your account

We also collect your personal information from others, such as:

Your mortgage lender or originator
Credit bureaus
Insurance companies
Tax authorities
Property valuation services

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

Sharing for affiliates’ everyday business purposes — information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Covey Financial LLC does not share with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Covey Financial LLC does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Covey Financial LLC does not jointly market.

Additional Information

Service Providers

We may share your information with service providers who perform services on our behalf, including:

Payment processing companies
Data processing and storage providers
Collection agencies (when necessary)
Legal and compliance service providers
Technology service providers

These companies are contractually obligated to keep the information confidential and use it only to provide the services we have requested.

Legal Disclosures

We may disclose your information when required by law, such as:

In response to court orders or legal process
To government agencies as required by law
To protect our rights or property
In connection with the sale or transfer of our business
To report to credit bureaus as required

Website and Online Privacy

When you visit our website or use our online services, we may collect:

IP addresses and browser information
Cookies and similar technologies (see Cookie Policy below)
Usage data and navigation patterns
Device information

Cookie Policy

We use cookies and similar technologies to improve your experience on our website. Cookies help us:

Remember your preferences
Understand how you use our website
Improve website functionality
Provide secure access to your account

You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.

California Residents

California residents have additional privacy rights under the California Consumer Privacy Act (CCPA). For information about your California privacy rights, please contact us at the number or email address provided above.

Do Not Track Signals

Our website does not respond to “Do Not Track” signals from web browsers at this time.

Children’s Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new effective date. We encourage you to review this policy periodically.

Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Covey Financial LLC
P.O. Box 790892
San Antonio, TX 78279
Phone: 1-210-307-1218
Email: info@coveyfin.com
Website: www.coveyfin.com
NMLS #1775323

State-Specific Requirements:

Vermont Residents: We will not share information we collect about Vermont residents with companies outside of Covey Financial LLC except as permitted by Vermont law.

Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting us at the phone number listed above.

California Residents: California residents may request information about our compliance with California privacy laws by contacting us at the address above.