Mikelle Kap Enterprises Data Security Policy

1. Customer Privacy Policy

Purpose:

The purpose of this Customer Privacy Policy is to safeguard our borrowers' personal information and ensure it is used only in accordance with their expectations.

Scope:

This policy applies to all employees, contractors, or any individual who has access to customer data at Mikelle Kap Enterprises and Lifetime Home Loans.

Information Protected:

Personally Identifiable Information (PII) including name, address, Social Security Number, and financial details. Financial documents and signed forms.Identification documents and any government or legal documents.Client lists and any other information considered sensitive.

Policy:

1.1. Employees are prohibited from sharing any customer information or documents with third parties without obtaining explicit consent from the customer.
1.2. Client lists and contact information must only be shared externally with clear consent from the customer and solely for legitimate business purposes related to closing a loan.

For additional information, please review our full disclosures at

Lifetime Loans Disclosures

2. Customer Information Security Policy

Purpose:

This policy outlines the procedures for handling and securing customer data to prevent unauthorized access, use, or disclosure.

Scope:

This policy covers all forms of customer data, whether digital or physical, and applies to all our employees, contractors, and affiliates.

Policy:

2.1. Customer documents and data must be transmitted via secure channels only. Customers are encouraged to use our secure portal for sending any sensitive information.
2.2. All customer data should be stored securely on company-approved servers and locations, not on local devices or unsecured areas.
2.3. Any sharing of customer data with external entities (such as title companies, insurance providers, or wholesale lenders) must be conducted through encrypted or otherwise secure methods.
2.4. Customer data must not be accepted through unsecured means such as unencrypted emails or text messages.
2.5. All customer data older than four years must be securely purged from our systems, unless required longer by law or for valid business reasons.
2.6. Emails containing sensitive information must be securely handled and promptly deleted after use.
2.7. Physical documents received from customers should be scanned, uploaded to the secure server, and the physical copies properly secured or destroyed.

Contact Information:

For any queries regarding our privacy and security policies, please contact:

Website: www.MikelleKap.com

Email: [email protected]

Phone: 801-695-2867

This policy serves as part of our ongoing commitment to safeguard customer data and comply with relevant data security regulations, including the Utah Division of Real Estate’s administrative rule requirements and the GLBA Safeguards Rule.