Privacy Policy

Effective October 31, 2026

NW Processing Group, Inc., doing business as Platinum Lending Solutions (PLS, we, us or our), provides mortgage brokerage services in Oregon and Washington. This notice describes information handling through 222home.com, inquiries, applications and related services.

Borrowers also receive a separate financial privacy notice with loan disclosures. This website notice supplements that notice and does not reduce applicable rights or override existing privacy elections.

Information we collect

Depending on your interaction, we collect contact details, property information, financing goals, employment and income, assets and debts, and mortgage or transaction history. Applications and supporting records may include Social Security numbers, identification, tax records, bank statements and credit information.

Information comes from you, applications, questionnaires and supporting documents, as well as credit reporting agencies, lenders, verification services, public records and other transaction participants, as permitted or authorized. The information needed varies with the inquiry and requested service.

Document storage and access

We use cloud-based systems to process applications, manage relationships and store records. ShareFile is our primary document repository for in-process, pre-approval and archived records.

Information may also be held in our loan-origination and relationship-management systems and business email, which is hosted on a cloud-based Exchange server and accessible through authorized mobile devices. We maintain company records in these cloud systems rather than using local computer drives as record repositories.

Access is provided to staff and service providers for assigned functions. This may include an authorized compliance contractor reviewing funded, canceled or denied files. Recipients are described by category below.

Payments and secure portals

Borrowers enter payment-card information directly on the appraisal or other vendor’s website when payment is required. PLS does not directly collect those card numbers, although we may receive payment status or transaction documentation.

Use designated secure application and document portals for sensitive records. Do not enter Social Security numbers, full account numbers, card details or tax documents into a general website inquiry. Separate vendor websites and payment portals have their own privacy notices and terms.

Why we use information

We use information to answer inquiries, evaluate and arrange requested financing, process applications, verify identity and financial or property details, coordinate transaction services, prevent fraud, maintain records, and meet legal, regulatory and security obligations.

Optional communications are described below.

When we disclose information

We disclose information as necessary and permitted for requested services, business administration, security, audits, compliance and legal obligations.

Recipients may include lenders and investors; credit and verification providers; appraisers; title and escrow companies; technology, storage and communication providers; professional advisers and compliance reviewers; and authorities when required or permitted.

PLS has no affiliates under common ownership or control and does not jointly market with other financial companies. We do not sell borrower lists or disclose borrower information for other companies’ independent marketing. Permitted transaction disclosures and disclosures you specifically authorize are separate from unrestricted marketing disclosures.

Disclosures you request or authorize

If you ask us to coordinate an insurance quote or another outside service, we may introduce you to the provider or disclose information with your consent or direction, subject to applicable law.

You may provide information directly instead. Permission is limited to the recipient, purpose and information authorized; a general referral request is not blanket permission to distribute your full application.

You may withdraw authorization for future disclosures by contacting us. Withdrawal does not undo a disclosure already made or prevent disclosures otherwise required or permitted by law.

Optional PLS communications

Where offered, PLS communications may include newsletters, mortgage updates, follow-up emails, texts, calls, mailed information and optional homeownership reports, including through Homebot. Providers may deliver these services on our behalf. This is separate from disclosing information for other companies’ independent marketing.

We obtain consent or permission where required for the channel and activity and honor applicable choices. Submitting an inquiry, applying for a mortgage, accepting electronic loan disclosures, importing a contact into a CRM or reading this notice does not itself provide every form of marketing consent.

Where promotional communications are offered, use their unsubscribe or opt-out instructions or contact us directly. You may request that PLS stop all promotional communications. Transactional, security and legally required messages may continue as appropriate.

We do not provide mobile information or text-message opt-in consent for other companies’ independent marketing; delivery providers may process it on our behalf.

Cookies analytics and future advertising

Website visits may generate technical and usage information, including IP address, device/browser information, pages visited and referring pages. Cookies and similar tools may support site operation and analytics. Where implemented, optional personalization, advertising or remarketing tools may process website activity subject to applicable notice, consent and opt-out requirements.

Future advertising is not authorization to upload borrower lists or loan files to advertising platforms.

Use the choices in our cookie banner or consent-preferences panel when displayed. You may also block or delete cookies through your browser, although some features may be affected. Our US consent settings are configured to respect Global Privacy Control (GPC). GPC and cookie preferences address applicable website tracking choices; contact us separately for PLS communication preferences.

We do not knowingly direct our website or marketing to children under 18. If you believe a child has submitted information, contact us so we can assess and address it.

Contact and requests

Stacy Schlesinger is the PLS privacy contact. For questions, corrections, access or deletion requests, marketing preferences, or withdrawal of a sharing authorization, contact:
NW Processing Group, Inc. dba Platinum Lending Solutions
7360 SW Hunziker Rd, #103, Portland, OR 97223
info@222home.com | (503) 222-4663 | (866) 623-1220
https://222home.com/

Depending on applicable law, you may have rights to access, obtain a copy of, correct or request deletion of information, withdraw certain consent, or opt out of certain processing. Rights depend on the law, information and relationship involved, including financial-information exceptions and required record retention.

We may use proportionate identity verification before releasing information or making sensitive changes. Routine marketing opt-outs do not require identity documents or a full loan application. We do not retaliate for exercising applicable privacy rights.

Retention

PLS maintains long-term loan archives and does not routinely delete loan files automatically. We determine retention by the record category, applicable mortgage and other legal requirements, legal holds, and documented legitimate business needs. Records no longer needed for an applicable purpose are subject to review for secure disposal.

A deletion request does not override a required retention period or legal hold.

Information may remain in email, other authorized systems and backups in addition to the primary repository. We assess the scope and applicable retention requirements when responding to a request. Deletion from one system does not instantly remove every backup or another transaction participant’s independent records.

Protection of information

We use administrative, technical and physical safeguards designed to protect nonpublic personal information. These include individual accounts, multifactor authentication, access restrictions, protected devices, automatic locking, secure portals, encryption and backups, as appropriate to the system and activity. No transmission or storage system can be guaranteed completely secure.

Stacy manages access for staff and authorized contractors. Access is limited to assigned functions. Safeguards and vendor arrangements are reviewed separately from this public notice, which does not replace internal security procedures.

Changes and scope

We may revise this notice as practices, services or legal obligations change, identify the revision date, and provide additional notice or choices where required. Describing a planned service does not remove the need to check actual data use and consent before activation.

Company NMLS #251560 | Oregon ML-4475 | Washington WA CL-251560
Platinum Lending Solutions is the registered trade name of NW Processing Group, Inc.