Privacy Policy

Citizens Lending Group, Inc., also doing business as Citizens Reverse Mortgage (“we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, use our tools such as the reverse mortgage calculator, request a consultation, or otherwise interact with our services. Our services are intended for homeowners, and reverse mortgage products are generally available to homeowners aged 62 and older.

Required Disclosure: As a mortgage lender, we are a “financial institution” under the federal Gramm-Leach-Bliley Act (GLBA). Nonpublic personal information you provide in connection with a loan inquiry or application is governed by our separate GLBA Privacy Notice, which is provided to applicants and describes how we collect, share, and protect that information. This website Privacy Policy addresses information collected through our website and general communications; where the two overlap, the GLBA Privacy Notice controls for loan-related nonpublic personal information.

1. Information We Collect

1.1 Personal Information You Provide

You may provide personal information when you request a consultation, submit a contact form, use our reverse mortgage calculator, or communicate with us by phone, fax, or email. This may include your name, email address, phone number, mailing/property address, age or date of birth (relevant to reverse mortgage eligibility), and general information about your home and financial goals that you choose to share. Please do not send sensitive financial account numbers or Social Security numbers through the website; those are collected through secure channels during the application process.

1.2 Technical & Usage Data

When you use our website, we may automatically collect your IP address, browser type and version, pages viewed and time spent on the site, referral sources, device type and unique identifiers, and cookie and tracking-pixel data.

1.3 Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and improve our content. You can manage cookies through your browser settings and through the choices described in our Cookie Policy and Opt-Out Preferences page.

2. How We Use Your Information

We use the information we collect to respond to consultation requests and inquiries; discuss and determine eligibility for reverse mortgage and related loan products; provide our services and communicate with you about them; operate website tools such as the reverse mortgage calculator; improve our website and services; send information and updates (with your consent where required); and comply with legal, licensing, and regulatory obligations that apply to mortgage lenders.

3. How We Share Information

We do not sell your personal information. We may share information as needed to provide our services and as permitted or required by law, including with service providers who support our operations (such as our lead/form platform, hosting, communications, and analytics); with lenders, investors, loan-processing, title, escrow, and settlement service providers involved in a loan transaction you pursue; with counseling agencies, HUD/FHA, or other parties as required for reverse mortgage (HECM) transactions; with regulators, licensing authorities, or others where required by law; and in connection with a merger, acquisition, or transfer of the business. Sharing of nonpublic personal information collected during a loan application is governed by our GLBA Privacy Notice.

4. Data Security

We implement appropriate administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain personal information only as long as necessary for the purposes described here, including to provide services and to meet the recordkeeping, licensing, tax, and legal obligations that apply to mortgage lenders, unless a longer period is required by law.

6. Your Rights and Choices

You may opt out of marketing communications using the unsubscribe link or by contacting us. You may request to access, correct, or delete your personal information, subject to the legal and regulatory recordkeeping obligations that apply to lenders. Where required by law, we honor the Global Privacy Control (GPC) browser signal as a valid opt-out request. California residents have additional rights described in our California Privacy Act Policy.

7. Protecting Older Homeowners

Because we serve seniors, we are mindful of the importance of guarding against fraud and financial exploitation. We encourage you to involve trusted family members or advisors in your decision, and we will never pressure you to share sensitive information through insecure channels. If you ever receive a suspicious communication claiming to be from us, please contact us directly using the phone number on this page.

8. Children’s Privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children under the age of 13.

9. Third-Party Links

Our website may contain links to third-party websites (such as HUD, counseling agencies, or calculators). We are not responsible for their content or privacy practices, and we encourage you to review their policies separately.

10. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with the new effective date.