Legal
Disclosures, Privacy & Terms
I am committed to transparency. Please review the disclosures, privacy practices, and terms that govern your use of this website and our services.
I partner with EZ Fundings, Inc. — NMLS 679018, a licensed mortgage bank that originates, underwrites, and funds both conventional and government-insured loans. To view their Privacy Policy, Terms and Disclosures, please click here.
Licensing & NMLS Disclosure
NMLS Disclosure
- Michelle Dowell-Vest | NMLS# 802231
- EZ Fundings Inc. | NMLS# 679018
- Licensed to originate mortgage loans in 17 states.
- This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines, and property eligibility.
- Interest rates and programs are subject to change without notice.
- NMLS Consumer Access: www.nmlsconsumeraccess.org
Privacy Policy
Privacy Policy
Effective January 1, 2025MichelleDowell-Vest.com ("Company," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (the "Site"), interact with our services, or communicate with us—including through artificial intelligence (AI)-powered text messages, phone calls, and emails. If you have questions or concerns about this policy, please contact us at: [email protected]
1. Information We Collect
We collect information to provide better services to our users. This includes: (1.1) Information You Provide Directly — contact information such as name, address, phone number, and email; application data such as employment, income, financial, and credit information; and records of your correspondence with us via email, phone, text, or website forms. (1.2) Information Collected Automatically — log data (IP address, browser type, OS, access times, referring URLs), usage data (pages viewed, links clicked), and cookies and similar technologies. (1.3) Information from AI-Powered Communications — we may collect, record, or transcribe information exchanged via AI-powered text messages, phone calls, emails, or chatbots, including personal information you provide during interactions with our automated systems.
2. How We Use Your Information
We use your information for purposes including: processing and evaluating your mortgage application or other service requests; contacting you about your application, account, or inquiries, including through AI-powered or automated systems; personalizing your experience and delivering relevant content and offers; improving our Site, products, and services, including training and enhancing our AI systems; complying with legal and regulatory requirements; and detecting, preventing, and addressing fraud, technical issues, or other misuse.
3. How We Share Your Information
We may share your information with trusted service providers who assist us in operating our Site or processing applications (including providers of AI communications technology); as required by law, regulation, legal process, or governmental request; in connection with a merger, acquisition, or sale of assets; or with other parties at your direction or with your explicit consent. We do not sell your personal information to third parties for marketing purposes.
4. Data Security
We implement appropriate technical and organizational measures to protect your information from unauthorized access, use, alteration, or disclosure. Despite these efforts, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage your cookie preferences through your browser settings. Disabling cookies may affect your ability to use certain features of our Site.
6. AI-Powered Communications
By providing your contact information, you agree that MichelleDowell-Vest.com may contact you via AI-powered or automated systems, including text messages, phone calls (which may use prerecorded or AI-generated voices), and email. Automated communications will identify themselves as such. You may opt out at any time by following the opt-out instructions in the message (e.g., replying "STOP" to a text) or by contacting us at [email protected]. Data collected from AI-powered communications may be used for customer service, application processing, quality assurance, and service improvement.
7. Your Choices and Rights
You may request access to or correction of your personal information by contacting us. You may opt out of marketing or AI-powered communications at any time. You can manage cookies via your browser settings. Our Site does not currently respond to "Do Not Track" browser signals. Depending on your jurisdiction, you may have additional rights under applicable privacy laws (e.g., CCPA or GDPR). Please contact us for more information.
8. Children's Privacy
Our Site and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child, please contact us so we can delete it.
9. External Links
Our Site may contain links to external websites not operated by EZ Fundings Inc. We are not responsible for the privacy practices or content of such sites.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any modifications indicates your acceptance of the updated policy.
11. Contact Us
If you have any questions or requests regarding this Privacy Policy or your personal information, please contact us at: [email protected]. By using our Site or communicating with us, you acknowledge that you have read and understood this Privacy Policy.
Terms of Use
Terms of Use
Effective January 1, 2025Welcome to the MichelleDowell-Vest.com website ("Site"). These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and EZ Fundings Inc. ("Company," "we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site. For questions or concerns, please contact us at: [email protected]
1. Acceptance of Terms
By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site.
2. Eligibility
This Site is intended for use by individuals who are at least 18 years old and reside in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements.
3. Use of the Site
You agree to use the Site only for lawful purposes and in accordance with these Terms. You are prohibited from using the Site: in any way that violates applicable federal, state, or local law or regulation; to exploit, harm, or attempt to exploit or harm others, including minors; to transmit any advertising or promotional material without our prior written consent; or to impersonate EZ Fundings Inc., an employee, another user, or any other person or entity.
4. User Accounts
If you create an account on the Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We reserve the right to suspend or terminate your account at our discretion, including for any violation of these Terms.
5. Intellectual Property
All content on the Site, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of EZ Fundings Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Site without our prior written consent.
6. Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including information collected through AI-powered communications. Please review our Privacy Policy carefully.
7. AI-Powered Communications and Automated Contact
By providing your contact information, you acknowledge and agree that we may contact you using automated systems, including AI-powered text messages, phone calls, and emails — for purposes such as responding to inquiries, providing application updates, or delivering account notifications. These may include automated texts or calls using AI-generated or prerecorded voice technology, and AI-powered chatbots responding to your inquiries. By submitting your contact information, you expressly consent to receive such communications. You may opt out at any time by following the instructions in the message (e.g., replying "STOP") or by contacting us at [email protected]. When you interact with our AI-powered systems, you will be informed that you are communicating with an automated system, and you may request human assistance at any time. Information collected during AI-powered communications may be used to improve our services and process your requests as described in our Privacy Policy.
8. Disclaimers
The Site and all content, products, and services provided through it are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. EZ Fundings Inc. does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
9. Limitation of Liability
To the fullest extent permitted by law, EZ Fundings Inc., its affiliates, and their respective officers, directors, employees, agents, licensors, or service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site or any content or services provided through the Site.
10. Indemnification
You agree to indemnify, defend, and hold harmless EZ Fundings Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.
11. Dispute Resolution
Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Texas, and the laws of the State of Texas shall govern.
12. Termination
We reserve the right to terminate or suspend your access to the Site, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or the Company.
13. Changes to Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
14. Regulatory and Legal Disclosures
Licensing: EZ Fundings Inc. is licensed to operate as a mortgage company in accordance with applicable federal and state laws. Licensing information is available upon request. Non-Discrimination: We comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and all applicable fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income comes from any public assistance program. Privacy and Security: We comply with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and other applicable privacy and data security laws. Accessibility: We strive to ensure that our Site is accessible to individuals with disabilities in accordance with the Americans with Disabilities Act (ADA). By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. Contact us at: [email protected]