PRIVACY POLICY

Truss Financial Group, LLC
dba Equity Access Group | dba VA Loan Headquarters

Effective Date: February 16, 2026

Truss Financial Group, LLC, including its doing-business-as names Equity Access Group and VA Loan Headquarters ("Truss Financial," "we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains what personal information we collect, how we use and share it, your rights regarding that information, and how we protect it. This policy applies to all interactions across our websites, applications, and brand names.

This policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), and other applicable federal and state privacy regulations.

1. Information We Collect

We may collect the following categories of personal information through our websites, forms, loan applications, communications, and third-party sources:

A. Personal Identifiers

Full name, email address, phone number, and mailing address
Social Security number and date of birth

B. Financial Information

Employment and income information (pay stubs, tax returns, profit & loss statements)
Bank account details, asset statements, and bank statements
Credit history and credit scores (obtained via consumer reporting agencies)

C. Online / Tracking Information

IP address, browser type, device identifiers, and operating system
Cookies, pixels, and similar tracking technologies (see Section 9)
Website usage data and interaction analytics

D. Other Information

Any additional information you voluntarily provide to us
Call recordings (where disclosed and permitted by law)

2. How We Use Your Information

We use your personal information for the following purposes:

Processing loan applications and providing related financial services
Truss Financial Group, LLC | NMLS #123456 | Privacy Policy | Page 2
Verifying your identity and eligibility for financial products
Responding to inquiries and providing customer support
Complying with legal, regulatory, and contractual obligations
Improving our services, website functionality, and user experience
Communicating with you via email, phone, or SMS (with your consent)
Preventing fraud, securing personal data, and managing risk
Marketing and retargeting (subject to your opt-out rights)

3. Information Sharing and Disclosure

We do not sell or rent your personal information to third parties.

We may share your information with the following categories of recipients, solely as necessary to fulfill our services or comply with law:

Wholesale lenders, title companies, appraisal management companies, and settlement agents involved in your transaction
Loan origination system (LOS) providers and CRM platforms used to manage your application
Cloud storage, IT support, and data analytics service providers
Consumer reporting agencies and identity verification services
Government, regulatory, or law enforcement agencies, as required by law
Affiliated business partners, subject to GLBA opt-out rights (see Section 6)

4. GLBA Privacy Notice — Reasons We Can Share Your Personal Information

Federal law gives consumers the right to limit some, but not all, sharing of personal information. The following table describes how and why we may share your information:

Reasons we can share your personal information	Does Truss Financial share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	N/A
For our affiliates' everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes — information about your creditworthiness	No	N/A
For our affiliates to market to you	No	N/A
For non-affiliates to market to you	No	N/A

5. SMS Consent & Communications

By providing your mobile number and opting in, you consent to receive SMS messages from Truss Financial Group related to your inquiry or loan process.

SMS consent is not shared with third parties or affiliates for marketing purposes.
Message frequency varies based on your loan process and interactions.
You may opt out at any time by replying "STOP" to any SMS message.
Reply "HELP" for assistance or contact us at the information below.
Message and data rates may apply, depending on your wireless carrier.

6. Your Rights and Choices

A. All Consumers

Request access to or correction of your personal data
Opt out of marketing communications (email, SMS, phone)
Opt out of affiliate sharing for marketing purposes under GLBA

B. California Residents (CCPA / CPRA)

If you are a California resident, you have the following additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:

Right to Know — Request the categories and specific pieces of personal information we have collected about you
Right to Delete — Request deletion of your personal information, subject to legal retention requirements
Right to Correct — Request correction of inaccurate personal information
Right to Opt-Out of Sale/Sharing — We do not sell your personal information. However, certain advertising activities (e.g., targeted advertising via tracking pixels) may constitute "sharing" under CPRA. You may opt out of this.
Right to Non-Discrimination — We will not discriminate against you for exercising any of these rights We will respond to verified consumer requests within 45 days of receipt, as required by law

C. Do Not Sell or Share My Personal Information

Truss Financial Group does not sell personal information as defined under CCPA/CPRA. To opt out of data sharing for targeted advertising purposes, please contact us using the information in Section 11 or adjust your cookie preferences on our website.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, including to satisfy legal, regulatory, and compliance obligations. For mortgage transactions, we generally retain loan-related records for a minimum of 3 to 5 years following the closing or denial of a loan, in accordance with federal and state recordkeeping requirements (including TILA, RESPA, ECOA, and HMDA).
When personal information is no longer required, we securely dispose of or de-identify it.

8. Data Security

We employ industry-standard physical, electronic, and procedural safeguards to protect your personal information, including:

Secure encrypted communications (HTTPS/TLS)
Access controls, multi-factor authentication, and role-based permissions
Employee training and confidentiality agreements
Regular security assessments, vulnerability scans, and software updates
Secure data storage with encrypted backups

9. Cookies, Tracking Technologies & Do Not Track

Our websites use cookies and similar tracking technologies to improve functionality, analyze usage, and support marketing efforts. These may include:

Essential cookies — Required for website operation and security
Analytics cookies — Used to understand site performance (e.g., Google Analytics)
Advertising/retargeting pixels — Used for targeted advertising (e.g., Meta Pixel, Google Ads)
CRM tracking — Used to personalize your experience (e.g., HubSpot tracking code)

You can manage cookie preferences through your browser settings or through the cookie consent banner on our website.

Do Not Track Signals: Some browsers offer a "Do Not Track" (DNT) feature. At this time, there is no uniform standard for responding to DNT signals. We will update this policy if a standard is established.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected such information, we will take prompt steps to delete it.

11. Contact Information

For questions, concerns, or to exercise your privacy rights, please contact us:
Truss Financial Group, LLC

Email: hello@trussfinancialgroup.com
Phone: 888-878-715
Mailing Address: 999 Corporate Dr, Ste. 180
Ladera Ranch, CA 92694

12. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. The revised policy will be posted on our website with a new effective date. We encourage you to review this policy regularly. Continued use of our services after changes are posted constitutes your acceptance of the revised policy.