Online Privacy Policy

VA Home Loan is brought to you by Refined Lending.


Refined Lending recognizes the importance of protecting the confidentiality and security of information that you may choose to provide to us online. We have adopted this Online Privacy Policy to tell you how we collect, store, and use that information.

Why We Need Information About You

We need to know information about you for us to provide you with the mortgage loan products and services you have requested through Refined Lending’s website.  If applying online, that information may include your address, phone number, date of birth, social security number, income, employment, and other personal and financial information necessary to meet Refined Lending’s and/ or investor requirements.

How We Obtain Information About You

Most of the information we need to know we collect from you. We also may need to obtain information about you and the proposed transaction from other sources such as consumer reporting agencies, your employer, your bank, and others to make sure that the information is complete and correct. Additionally, when you browse or visit our website, we may store certain information on your computer.  This information or “cookies” facilitates website navigation, tailor the website to your individual preferences, and save you time when you return to the Refined Lending website. For example, if a program on the website requires a user ID and/or password, you may have the option of requesting that we save your user ID so you won’t have to enter it the next time you visit the website.  A cookie accomplishes this.  Cookies and other technologies provide Refined Lending with the capability to monitor the use of our website so we can continually improve the design and functionality to better serve you. Cookies do not contain or capture unencrypted personally identifiable information.

How We May Use or Share Your Information

We use the online information you provide or we collect to process your request for services, products, or information; to facilitate your online activities, and to improve our customer service.  We may share some of the information we collect about you to third parties, like companies performing services on our behalf, companies providing services or products pursuant to your request, or otherwise as permitted by law. If Refined Lending shares your information with a company contracted to provide services on our behalf, they are required to protect customer information and only use the information for the purpose of providing the requested services.  We do not sell your information.  We may also release your information to others when we believe, in good faith, that such release is reasonably necessary to (i) comply with law, (ii) protect the rights, property, or safety of Envoy or its employees, or (iii) help prevent fraud, money laundering, terrorism, or other crimes.

How We Protect Your Information

Refined Lending restricts access to the information obtained from our website to our employees and contractors.  We maintain physical, electronic, and procedural safeguards to protect your non-public personal information. Online applications are maintained on a secure server. While we strive to protect your personal information, we do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an e-mail.

Linking to Other Sites

We may provide links to the websites of other companies. If you choose to link to these websites, we are not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information. We recommend you carefully review the privacy policies of any website requesting your information.


If you have any questions regarding our Online Privacy Policy, please contact us at:

Mailing Address:                9240 Baltimore St NE #110 Minneapolis, MN 55449

E-mail address:         

Telephone:                          763.784.8700

We reserve the right, at any time, to add to, change, update or modify our privacy policy simply by posting such change, update, or modification on Refined Lending’s website to be effective immediately upon posting.

Your Privacy Matters to Us

We recognize the importance to you of keeping your information secure and confidential. We will not sell or share non-public personal information about you with third parties except as explained in this Privacy Policy. This Privacy Policy covers personally identifiable information about both current and former customers who obtain financial products or services from us primarily for personal, family or household purposes, and is provided as required by the Federal Financial Privacy Law.

Collecting Information

When you seek to obtain financial products and services from us, we may collect non-public personal information about you from the following sources:

  • Applications and other forms, or through other communication including information provided by mail, telephone, in person or electronically. Such information may include your name, address, employment, income, and other identifying information.
  • Your transactions with us, members of our corporate family, or others. Such information may include, for example, your account balance and payment history.
  • Consumer reporting agencies or other companies, which may include, for example, information regarding your creditworthiness or credit history.
  • Other sources which may include, for example, verification of your employment history, credit balances, property insurance coverage or other representations made by you.

Sharing Information Outside of Our Company

We may share all of the information described above with our service providers, whose services may include, for example, mailing account statements. Other service providers may include insurance companies, payment processing companies, mail service companies, check printing companies, and data processing companies. We may also share the information described above with companies that perform marketing services on our behalf. Such companies have agreed to keep confidential the information that we provide to them and to use the information only to carry out the functions we have asked them to perform. We do not share your non-public personal information with any company for the purpose of marketing that company’s products or services. Finally, we may disclose all of the information above as permitted by law.

Protecting Confidentiality and Security

We restrict access to non-public personal information about you to only those employees whom we have determined need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with applicable federal standards to protect nonpublic personal information.

Additional Rights and Modifications

You may have other privacy protections under state law. We reserve the right to change this Privacy Policy in any respect at any time, and we will inform you of changes as required by law.

Identity Theft Information

If you believe you may be a victim of identity theft with regard to a Refined Lending transaction, please submit your written statement to Refined Lending 9140 Baltimore St Ne Minneapolis  MN 55449. If you have already filed a report with a law enforcement agency, please include a copy of the report with your correspondence. Additional information from you may be requested.

If you have any questions about this policy, please contact Refined Lending at 763.784.8700

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