Privacy Policy

1. Introduction

The Veteran Alliance is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or utilize our services. Please read this policy carefully to understand our practices regarding your personal data.

2. Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide, including:

• Name, email address, phone number, and mailing address
• Social Security number and date of birth (for account applications)
• Military service information and veteran status
• Financial information including income, assets, and credit history
• Employment information

Automatically Collected Information

When you access our website, we automatically collect certain information:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on site
• Referring website addresses
• Cookies and similar tracking technologies

Information from public and social sources

Some of our team find people to help by reading public posts and profiles on social platforms, the same way any other member of those sites can. Today that means Facebook, Instagram, LinkedIn, Reddit, X (formerly Twitter), Nextdoor, TikTok and Bluesky. If you post publicly about buying a home, a VA loan, or moving, one of our people may see it and reply — and when they do, they tell you they work here.

Two things we see are not strictly public, and we would rather name them than let you assume otherwise. The first is a post in a Facebook group or a Nextdoor neighborhood our employee belongs to, which they can read because they are a member of it. The second is a Telegram chat or channel an employee has open, which our tool can scan for keywords while it is on screen. We do not get around anyone's privacy settings, and we do not buy social data from brokers.

What we may keep from those sources:

• Your public display name, username or handle, and a link to your profile
• What your profile shows publicly — headline, employer, general location, bio, follower count, and whether you are a first- or second-degree connection
• The text of the public post we replied to, and other recent public posts
• Whether one of our employees is connected to you on that platform

Labels we guess. We tag profiles with short labels inferred from the words in your public text, so we can tell whether we are likely to be useful to you at all. Today they are: military or veteran background, interest in a VA loan, first-time homebuyer, relocating, business owner, works in real estate, works in insurance, and works in mortgage lending. These are guesses from public wording — not verified facts about you, and not bought from anyone.

Referrals. If what you posted about is better handled by one of our referral partners — a real estate agent, for example — we may pass your details to that partner so they can help you. Section 5 below covers how we share information generally, and it applies here too.

We do not read your Facebook Messenger or WhatsApp conversations. Our tool can send a message from an employee's own account on those apps, and it has a button that saves someone's profile from an open Messenger thread — it does not save the messages. We also do not run face recognition or voice identification on anything we collect, and we do not pull your credit from a social profile.

How long we keep it

Where a message we sent you discusses a mortgage product or its terms, federal law (Regulation N, 12 CFR 1014.5) requires us to keep that message, and the post it answered, for 24 months after we last sent it. That is a record-keeping duty we cannot waive: we will keep those items for that period even if you ask us to delete them, and we will tell you that is the reason.

The rest of what this section describes — the profile details and the guessed labels — carries no such requirement. We delete it when you ask, once we have checked that the request really is from you. You can ask using the form at theveteranalliance.com/legal/privacy-request, and you do not need an account with us to use it.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Processing applications for banking products, loans, and insurance
• Providing customer service and support
• Verifying your identity and preventing fraud
• Communicating with you about products, services, and promotions
• Improving our website and services
• Complying with legal and regulatory requirements
• Conducting risk assessments and credit checks

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party companies that assist us in operating our business
• Financial Partners: Banks, lenders, and insurance companies to process your applications
• Credit Bureaus: To verify creditworthiness and report account information
• Government Agencies: When required by law or legal processes
• Business Transfers: In connection with mergers, acquisitions, or asset sales

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate security measures to protect your personal information, including:

• Encryption of sensitive data during transmission and storage
• Secure server infrastructure and firewalls
• Regular security audits and vulnerability assessments
• Employee training on data protection practices
• Multi-factor authentication for account access

Please note that no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access your personal information we have collected
• Correct inaccurate or incomplete data
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Request portability of your data
• Object to certain data processing activities

To exercise these rights, please contact us using the information provided below.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie preferences through your browser settings. Please note that disabling cookies may limit certain website features and functionality.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will take steps to delete it promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will post the updated policy on this page with a new "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

10. Contact Us

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