Future Mortgage | Privacy Policy

Privacy Policy

Effective Date: 08/2025

We take our clients' privacy very seriously. We understand that your privacy is important. This Privacy Policy describes how we use the personal information that we collect about you on www.better.com (the "Website"), and that you furnish when you apply for a financial product with the Company.
By continuing to use the Website, you agree to this Privacy Policy and the collection, use, disclosure, and storage of your personal information as described by this Privacy Policy.

Information We Collect

When you use the Website, we and/or our subsidiaries (collectively referred to herein as "we", "us" or "our") may collect personal information about you, which may include:

Information you give us. This may include your name, address, Social Security number, telephone number, email address, asset information, income information, or any other information that you submit on applications or other forms made available through the Website, or through other means, including but not limited to telephonic, web-chat, and artificial intelligence powered communications.
Information from other sources. We may also collect personal information about you from third party sources, which we may combine with information that you provided or that we previously collected. For example, we may receive information from a social media service about you if you use a social media account to log into the Website.
Automatic information. We also automatically collect certain information related to you and your activities on the Website when you visit the Website. This information includes information such as your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us. This information collection is in part enabled by cookie collection, as described below.

Additional information regarding information collection: Pursuant to the Gramm-Leach-Bliley Act ("GLBA"), Better protects non-public consumer information including personally identifiable financial data. Certain financial information regulated by the GLBA is exempt from state privacy laws.

Cookies and Other Tracking Technologies
Our Website uses cookies and other tracking technologies, such as web beacons (otherwise known as pixel tags). A "cookie" is a small file placed on your computer that helps us to recognize your browser. We use both first and third-party cookies and tracking technologies on the Website. These cookies and tracking technologies may collect your personal information. We may use cookies and tracking technologies to monitor how the Website is used, customize content, serve advertisements and evaluate the effectiveness of our advertising campaigns, identify problems with the Website, improve the Website, analyze Website traffic and other analytics purposes, monitor the security of the Website, and gauge the effectiveness of our communications. Most web browsers allow you to adjust your preferences to reject cookies or to receive notifications before they are placed. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.
Our first-party cookies and tracking technologies do not track users over time and across third-party websites, and therefore the Website does not respond to web browser do-not-track signals.
We also use third-party cookies to serve targeted advertisements on both the Website and on third-party websites. These cookies may track users over time and across third-party websites and services. Please note that if you opt-out of advertising cookies, you may still see our advertisements on third-party websites and services.

How We Use Collected Information
We may use your personal information and anonymous information for the following purposes:

To complete and fulfill your loan application;
To respond to and fulfill your requests;
For our marketing efforts, such as to send you marketing communications that we believe may be of interest to you;
For our business purposes, such as for analysis and to develop new products and services;
To develop and train internal artificial intelligence (AI) models;
To improve the Website and for analytics purposes; or
For any other purpose to which you consent.

The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" among our affiliates. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:

From your applications, such as your income or marital status
From a credit report, such as your credit history
From sources used to verify representations made by you, such as your open lines of credit or employment history.

Within our family of companies, we may share the customer information we collect with:

Our subsidiary and affiliated businesses, providing financial and other services such as:
- Residential mortgage products
- Insurance and real estate brokerage
- Home security products
- Residential homebuilding.

When you use the Website, we and/or our subsidiaries (collectively referred to herein as "we", "us" or "our") may collect personal information about you, which may include:

Information you give us. This may include your name, address, Social Security number, telephone number, email address, asset information, income information, or any other information that you submit on applications or other forms made available through the Website, or through other means, including but not limited to telephonic, web-chat, and artificial intelligence powered communications.
Information from other sources. We may also collect personal information about you from third party sources, which we may combine with information that you provided or that we previously collected. For example, we may receive information from a social media service about you if you use a social media account to log into the Website.
Automatic information. We also automatically collect certain information related to you and your activities on the Website when you visit the Website. This information includes information such as your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us. This information collection is in part enabled by cookie collection, as described below.

How We Use Collected Information
We may use your personal information and anonymous information for the following purposes:

To complete and fulfill your loan application;
To respond to and fulfill your requests;
For our marketing efforts, such as to send you marketing communications that we believe may be of interest to you;
For our business purposes, such as for analysis and to develop new products and services;
To develop and train internal artificial intelligence (AI) models;
To improve the Website and for analytics purposes; or
For any other purpose to which you consent.

From your applications, such as your income or marital status
From a credit report, such as your credit history
From sources used to verify representations made by you, such as your open lines of credit or employment history.

Within our family of companies, we may share the customer information we collect with:

Our subsidiary and affiliated businesses, providing financial and other services such as:
- Residential mortgage products
- Insurance and real estate brokerage
- Home security products
- Residential homebuilding.

How We Share Personal Information

We will only share personal information with third parties as described in this Privacy Policy. We may share personal information with third parties:

Such as vendors who provide employment verification, degree verification, title, document import, or other necessary services;
Such as our Better Home and Finance Holding Company affiliated businesses that provide quality services or products you may be interested in (unless you have opted out);
Such as other partners we have marketing arrangements with, or to others that may want to provide information to you about the products and services that they offer (unless you have opted out)
For any purpose to which you expressly consent;
To protect our rights or the rights or safety of others; and
As may be required by law or regulation.

Please note, we do not share SMS text opt-in data with any third parties.
We limit the information that we send service providers and require that our service providers only use shared personal information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared personal information.
For example, after you authorize us to verify your credit history, we send the minimal set of information needed (potentially including your social security number) to ensure we are requesting the correct record in an encrypted form to the relevant credit bureaus with the sole purpose of retrieving your credit report and associated credit history data. We would not send the same level of information to a service provider where it is not essential to perform their services.
For retrieving bank information (transactions, accounts, and other information), we use Plaid and AccountChek by FormFree as third-party service providers. Their respective privacy policies are available here: Plaid and AccountChek.
In the event that we enter into a corporate transaction, such as a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), personal information that we have collected may be transferred in the course of that corporate transaction to the relevant third party purchaser, joint venture partner, merged entity, assignee or similar party.

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Built for Loan Officers

Let's Simplify Your Workflow

Book a 1-on-1 call to see how Future replaces 10+ tools with one intelligent platfom.

Faster Approvals

Lower Costs

One platform to run everything.

Schedule Call

Built for Loan Officers

Let's Simplify Your Workflow

Book a 1-on-1 call to see how Future replaces 10+ tools with one intelligent platfom.

Faster Approvals

Lower Costs

One platform to run everything.

Schedule Call