Privacy Notice
 

Last Updated: September 5, 2026
 

David Clark Financial, LLC d/b/a EverHome Funding (“EverHome Funding,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.
 

This Privacy Notice explains how we collect, use, disclose, and protect personal information when you visit everhomefunding.com, submit information through our website, communicate with us, request information or a quote, apply for mortgage financing, or otherwise interact with our products and services (collectively, the “Services”).
 

This Privacy Notice describes our general website and business privacy practices. Additional privacy notices, disclosures, and rights may apply when you apply for or obtain a financial product or service from EverHome Funding.
 

Information We Collect

We may collect personal information directly from you, automatically when you use our website, and from third parties involved in providing mortgage and related services.
 

Information You Provide to Us

When you contact EverHome Funding, request a quote, complete a website form, communicate with one of our mortgage professionals, or apply for mortgage financing, you may provide information including:

• Name

• Email address

• Telephone number

• Mailing or property address

• Information about the property you wish to purchase or refinance

• Estimated purchase price, loan amount, or down payment

• Employment and income information

• Assets and liabilities

• Financial account information

• Credit and debt information

• Social Security number

• Government-issued identification

• Mortgage application information

• Documents necessary to evaluate, process, underwrite, or close a mortgage transaction

• Any other information you voluntarily provide to us
   

Our general website inquiry and Quick Quote forms are intended to collect preliminary information. Sensitive financial documents and information should be provided only through the secure application or document-upload methods provided by EverHome Funding.
 

Information Collected Automatically

When you visit our website, certain information may be collected automatically, including your IP address, browser type, operating system, device information, referring website, pages viewed, links clicked, approximate location, and information about how you interact with our website.
 

We may use cookies and similar technologies to operate our website, remember preferences, understand website traffic, improve functionality, measure performance, and support analytics or marketing activities where permitted by law.
 

Information We Receive From Third Parties

In connection with a mortgage inquiry or application, we may receive information from third parties such as:

• Consumer reporting agencies

• Mortgage lenders and financial institutions

• Employers

• Banks and other financial institutions

• Income, employment, asset, identity, and fraud-verification providers

• Appraisers

• Title and settlement providers

• Insurance providers

• Government agencies or databases

• Other parties involved in evaluating, processing, underwriting, or closing a mortgage transaction
   

Information received from these sources may include credit reports and scores, employment and income verification, asset or deposit verification, property information, loan decisions, underwriting conditions, and other information necessary to provide mortgage brokerage services.
 

How We Use Your Information

We may use personal information to:

• Respond to questions, quote requests, and inquiries

• Contact you regarding your mortgage inquiry or application

• Provide mortgage brokerage and related services

• Evaluate and process mortgage applications

• Verify identity, employment, income, assets, credit, and other application information

• Identify mortgage programs or lenders that may meet your needs

• Submit mortgage applications and related information to lenders at your direction or as necessary to provide requested mortgage services

• Communicate with you regarding your inquiry, application, transaction, products, or services

• Provide customer service and support

• Maintain records related to mortgage transactions

• Operate, maintain, secure, and improve our website and technology

• Detect and prevent fraud, unauthorized activity, and security threats

• Satisfy legal, regulatory, licensing, compliance, audit, and reporting obligations

• Send informational or marketing communications where permitted by law and consistent with your communication preferences

• Protect our rights, property, customers, employees, and business

• Carry out other legitimate business purposes consistent with the reason the information was collected
   

How We Share Your Information

EverHome Funding does not sell personal information for money.
 

We may disclose personal information when necessary to provide the mortgage services you request, operate our business, comply with applicable law, or otherwise as described in this Privacy Notice.
 

Mortgage Lenders and Financial Institutions

As an independent mortgage broker, EverHome Funding works with third-party mortgage lenders. We may provide information to lenders and financial institutions as necessary to evaluate loan options and to submit, process, underwrite, close, or otherwise facilitate a mortgage transaction.
 

Service and Technology Providers

We use third-party providers to operate our business and provide mortgage services. These may include providers of:

• Website hosting and online forms

• Customer relationship management systems

• Loan origination and processing systems

• Secure document collection and storage

• Email and communications services

• Identity, employment, income, asset, and other verification services

• Compliance and regulatory services

• Cybersecurity and information technology

• Data hosting and backup

• Website analytics

• Other business and operational services
   

These providers may receive or process personal information as necessary to perform services on our behalf or as otherwise permitted by law.
 

Mortgage and Settlement Service Providers

We may disclose information to parties involved in your mortgage transaction, including title companies, settlement agents, appraisers, insurance providers, verification providers, credit reporting agencies, and other professionals or service providers as necessary to process or complete the transaction.
 

Legal, Regulatory, and Compliance Purposes

We may disclose information when required or permitted by law, regulation, subpoena, court order, governmental request, regulatory examination, licensing requirement, or other legal process.
 

We may also disclose information when reasonably necessary to prevent fraud, protect our legal rights, protect the security of our systems, or protect EverHome Funding, our customers, employees, or others.
 

Business Transactions

If EverHome Funding or David Clark Financial, LLC is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, information may be disclosed or transferred as part of that transaction as permitted by applicable law.
 

At Your Direction

We may disclose information to another person or organization when you direct us to do so, authorize the disclosure, or otherwise provide your consent.

Federal law places restrictions on how financial institutions may disclose nonpublic personal information. Where applicable, EverHome Funding will provide required financial privacy notices and any applicable opportunity to limit certain sharing.
 

Regulation P generally restricts disclosure of nonpublic personal information to nonaffiliated third parties but provides exceptions for activities including processing and servicing transactions and certain service-provider relationships.
 

Secure Documents and Sensitive Information

EverHome Funding uses a secure loan origination system for the collection and storage of mortgage applications, financial documents, and other sensitive information.

When EverHome Funding provides you with a secure application or document-upload link, please use that method to provide sensitive documents.
 

Do not send Social Security numbers, bank statements, tax returns, government identification, account numbers, passwords, or other highly sensitive financial information through general website contact forms, ordinary text messages, or unsecured email.
 

If you are unsure how to securely provide a document, contact your EverHome Funding mortgage professional for instructions.
 

How We Protect Personal Information

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, destruction, loss, or misuse.
 

Access to sensitive information is limited based on legitimate business needs. We also use service providers and technology systems intended to support the secure handling of customer information.
 

No electronic transmission, information system, or method of storage can be guaranteed to be completely secure.
 

As a mortgage broker, EverHome Funding is subject to applicable requirements governing the safeguarding of customer information. The FTC Safeguards Rule requires covered mortgage brokers to maintain a written information-security program appropriate to their operations and to take steps regarding service providers that handle customer information.
 

How Long We Keep Information

We retain personal information for as long as reasonably necessary to provide our Services, maintain appropriate business records, and fulfill the purposes for which the information was collected.
 

We may also retain information as necessary to satisfy applicable federal and state mortgage, licensing, regulatory, tax, accounting, audit, litigation, and record-retention requirements.
 

Retention periods may vary depending on the type and sensitivity of information, the nature of the transaction, applicable law, and legitimate business needs.
 

Phone, Text, and Email Communications

When you provide EverHome Funding with your contact information, we may communicate with you regarding your inquiry, quote request, mortgage application, transaction, or other requested services through telephone calls, text messages, and email, as permitted by applicable law and consistent with any consent you provide.
 

If you separately consent to receive marketing text messages, message frequency may vary and message and data rates may apply.

Consent to receive marketing calls or text messages is not a condition of obtaining a mortgage product or service.
 

You may opt out of marketing text messages by replying STOP. For assistance with text messages, reply HELP.
 

You may unsubscribe from marketing emails using the unsubscribe method included in those communications.
 

Opting out of marketing communications does not prevent EverHome Funding from sending communications necessary to respond to your request or concerning an existing application, transaction, account, legal obligation, or other non-marketing matter.
 

Mobile information and text-message consent will not be sold or shared with nonaffiliated third parties for their own marketing or promotional purposes. Information may still be provided to vendors that facilitate EverHome Funding's communications and otherwise handle information on our behalf as permitted by law.
 

Cookies and Website Technologies

Our website may use cookies and similar technologies to provide website functionality, remember preferences, analyze website traffic and performance, improve the user experience, and support marketing activities where permitted.

Some of these technologies may be provided by our website platform or other third-party service providers.

You may be able to control or disable cookies through your browser settings or cookie-preference tools made available on our website. Disabling certain cookies may affect website functionality.
 

Third-Party Websites and Services

Our website may contain links to mortgage lenders, service providers, social media platforms, applications, websites, or other resources operated by third parties.

EverHome Funding does not control the privacy, security, or information practices of independent third parties. When you leave our website or provide information directly to another organization, that organization's privacy policy and terms apply.
 

We encourage you to review the privacy practices of third parties before providing personal information to them.

Your Privacy Choices and Rights

Depending on your state of residence and applicable law, you may have certain rights concerning your personal information.

These rights may include the ability to request:

• Access to certain personal information

• Correction of inaccurate personal information

• Deletion of certain personal information

• Information regarding certain uses or disclosures of personal information

• Other rights provided by applicable law

These rights are subject to applicable exceptions. For example, federal and state mortgage, financial-services, licensing, compliance, and record-retention laws may require EverHome Funding to maintain information even after a deletion request.

Federal financial privacy laws may also provide consumers with the right to limit certain disclosures of nonpublic personal information to nonaffiliated third parties. If EverHome Funding engages in information sharing for which an opt-out right is required, we will provide the applicable notice and a reasonable method of exercising that right. Regulation P specifies the content required when such an opt-out applies.
 

Children's Privacy

EverHome Funding's website and mortgage services are intended for adults and are not directed to children under the age of 18.

We do not knowingly solicit personal information from children through our Services.
 

Changes to This Privacy Notice

We may update this Privacy Notice periodically to reflect changes to our business practices, technology, legal requirements, service providers, or Services.

When we update this Privacy Notice, we will revise the Last Updated date at the top of this page.
 

Where applicable law requires additional notice, consent, or an opportunity to opt out before a change in our information-sharing practices takes effect, we will provide it. Regulation P, for example, requires a revised notice before certain new disclosures of nonpublic personal information that were not adequately described in the prior notice.
 

Financial Privacy Notice

This website Privacy Notice describes EverHome Funding's general online and business privacy practices.

Consumers and customers may also receive a separate financial privacy notice as required by the Gramm-Leach-Bliley Act and Regulation P. That notice describes EverHome Funding's collection and sharing of nonpublic personal information and applicable choices concerning that sharing.
 

Posting this Privacy Notice on our website does not replace any separate financial privacy notice that EverHome Funding is required to deliver directly to a consumer or customer.
 

Regulation P requires applicable notices to be delivered in a manner in which the consumer can reasonably be expected to receive actual notice, either in writing or electronically with the consumer's agreement.

 

Contact EverHome Funding

Questions about this Privacy Notice or EverHome Funding's privacy practices may be directed to:

David Clark Financial, LLC d/b/a EverHome Funding
NMLS: 2379832 | 281.748.4585
2940 Oak Street
Kingwood, TX 77339

Website: everhomefunding.com | home@everhomefunding.com
Company NMLS: 2379832