This Privacy Policy covers equitylinedirect.com, operated by Ryan Alexander, Mortgage Loan Originator (NMLS# 2052894), with KORE Mortgage LLC (NMLS# 1879866) as the licensed entity behind the site.
Because the HELOC application itself is hosted on a third-party platform operated by Aven, this policy also explains where our data handling ends and Aven's begins — read the "Aven's Role in Handling Your Data" section below before you click through to apply.
Information Collected on This Site
Equity Line Direct itself is a lightweight, content-focused site. What we collect directly is limited to:
- Contact details you submit through our contact form — name, email, phone number, state, and any message you write to us.
- Standard website analytics — device type, approximate location derived from IP address, browser, pages viewed, and referral source — collected once you accept cookies.
- Any recording of a phone call or written record of an email exchange with our office, kept for service quality and compliance purposes.
We do not collect Social Security numbers, income documentation, credit reports, or other application-level financial data on equitylinedirect.com. That information is collected on Aven's platform when you click "Check Your Rate" — see the next section.
Aven's Role in Handling Your Data
Every "Check Your Rate" and "Apply" button on this site routes you to Aven's own secure application platform, hosted outside equitylinedirect.com. Once you're on that platform, Aven — not Equity Line Direct — collects and processes the information needed to evaluate your HELOC eligibility: identity verification details, income and employment data, property information, and the soft credit inquiry used to generate your rate.
Aven maintains its own privacy policy governing that data, separate from this one. We recommend reviewing it directly on Aven's platform before submitting an application. We receive limited information back from Aven — generally whether a referral from our site resulted in a completed application — for partnership reporting purposes only.
How We Use What We Collect
- To respond to questions submitted through our contact form.
- To understand which pages and content are useful to visitors, so we can improve the site.
- To meet recordkeeping obligations tied to our mortgage origination license.
- To measure how many visitors reach Aven's application platform from our site, for partnership and marketing performance purposes.
Sharing and Disclosure
We do not sell personal information collected through this site. We share it only in limited circumstances:
- With Aven, when you choose to click through to check your rate or apply — governed by Aven's own privacy policy from that point forward.
- With service providers who help us run this website (hosting, analytics), bound to use your information only for the purpose we've engaged them for.
- When required by law, such as in response to a subpoena, court order, or regulatory request tied to our mortgage licensing obligations.
Cookies
This site uses cookies to remember your preferences and measure traffic once you accept them through the banner shown on your first visit. You can decline cookies at that prompt, or clear them later through your browser settings; declining does not affect your ability to browse the site or apply through Aven.
Data Security
We use reasonable administrative and technical safeguards to protect the limited information we collect directly. No method of storing or transmitting data online is completely secure, and we cannot guarantee absolute security — this is true of any website, not a limitation specific to ours.
Your Privacy Rights
Depending on where you live, you may have rights to request a copy of the personal data we hold about you, ask us to correct it, request deletion, or object to certain uses. To exercise any of these rights for information held directly by Equity Line Direct, contact us using the details below. For information already submitted through Aven's application platform, those requests go directly to Aven.
California residents: under the California Consumer Privacy Act, you have the right to know what personal information we've collected about you, request deletion, and opt out of any sale of personal information — we do not sell personal information, so there is nothing to opt out of. Submit a request through our contact page.
EU/UK/EEA visitors: this site is built for homeowners with property in Florida, Maryland, or Virginia and does not target EU, UK, or EEA residents. If you access the site from one of those regions, the General Data Protection Regulation may still give you rights of access, rectification, erasure, restriction, portability, and objection over any personal data we hold — contact us to exercise them, and you retain the right to lodge a complaint with your local data protection authority.
Third-Party Links
Beyond Aven, this site links to Alexander Capital Group and other resources we think are useful. We don't control those sites and aren't responsible for their privacy practices — review their own policies before sharing information with them.
Children's Privacy
This site and the HELOC products it describes are intended for adult homeowners. We do not knowingly collect information from anyone under 18, and Aven's underwriting process independently requires applicants to meet age and homeownership eligibility before any application can proceed.
Changes to This Policy
We may update this policy as our practices or partnerships change. The effective date at the top of this page reflects the most recent revision — check back periodically if you want to stay current.
Contact Us
Questions about this policy or how we handle information you've given us directly? Reach us through our contact page, or write to KORE Mortgage at koremortgage.com/contact-us. For questions about data submitted through the HELOC application itself, contact Aven directly through their platform.