Legal
Privacy Policy
Effective Date: April 5, 2026
MH Services Corporation ("MH Services," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website or apply for a loan through our services.
Information We Collect
We collect information you provide directly, including:
- Name, address, email, and phone number
- Social Security number, date of birth, and government-issued ID
- Employment, income, and financial information
- Credit history and credit report data
- Property information (manufactured home details, park/community)
- Communication preferences and SMS opt-in consent
We also collect technical information automatically, including IP address, browser type, device information, and website usage data via cookies.
How We Use Your Information
- Process and evaluate your loan application
- Communicate with you about your application and account
- Verify your identity and prevent fraud
- Comply with legal and regulatory requirements (GLBA, ECOA, FCRA, TILA/Reg Z, BSA/AML)
- Improve our website and services
- Send loan-related notifications via SMS (with your consent)
How We Share Your Information
We share your personal information only as necessary to process your loan application and provide our services. We may share information with:
- Our lending partners (Triad Financial, Credit Human, OCCU) for loan underwriting
- Credit reporting agencies for credit checks
- Service providers (document processing, e-signature, SMS delivery) bound by confidentiality agreements
- Regulatory authorities when required by law
- Insurance carriers, escrow companies, and title companies for closing coordination
Your information is shared only for the purpose of processing your loan and providing services you have requested.
SMS / Text Messaging Data
If you opt in to our SMS program, we collect and process your mobile phone number and SMS consent records to send you loan-related notifications, verification codes, document requests, and appointment reminders. See our Terms of Service for full program details.
Mobile phone numbers and SMS opt-in consent are not shared with third parties, affiliates, or partners for marketing purposes. This data is used exclusively to deliver the loan-related messages you have consented to receive.
What We Collect for SMS
- Mobile phone number
- Opt-in timestamp and method (web form, verbal, text keyword)
- Message delivery status and opt-out requests
- Communication audit logs (required by GLBA and TCPA)
How We Use SMS Data
- Deliver one-time verification codes (2FA) for secure login
- Send loan application status updates
- Request documents and stipulations needed to process your loan
- Send appointment reminders and closing coordination messages
You may opt out of SMS at any time by replying STOP to any message, or by contacting us at (949) 315-7600. See our Terms of Service for full SMS program details including frequency, opt-in methods, and supported carriers.
Your Rights Under GLBA
Under the Gramm-Leach-Bliley Act (GLBA), you have the right to limit how we share your nonpublic personal information with third parties for marketing purposes. MH Services does not share your information with unaffiliated third parties for their marketing purposes. You may also request access to and correction of your personal information by contacting us.
Data Security
We implement administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. This includes encryption of sensitive data in transit and at rest, access controls, and regular security audits.
Cookies and Website Analytics
We use cookies and similar technologies to improve your browsing experience and analyze website traffic. You may disable cookies in your browser settings, though some features may not function properly.
Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective Date" above indicates when the policy was last revised. Your continued use of our website after changes constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or how we handle your information, please contact us:
MH Services Corporation
Email: privacy@mhservices.com
Phone: (949) 315-7600
NMLS #296451