Privacy Policy

Privacy Policy Effective Date: 12 September 2026

At Guardian, we recognize that individuals and families may share sensitive personal and financial information when exploring mortgage options, seeking tax guidance, receiving accounting or advisory services, or simply communicating with us.

We are committed to handling that information with care, integrity, and respect.

This Privacy Policy explains the types of information Guardian may collect, how that information may be used and shared, and the steps we take to protect it.

Who We Are This Privacy Policy applies to information collected through the Guardian Finance, LLC website and related online interactions with Guardian.

Guardian Finance, LLC provides mortgage brokerage services and other financial education and advisory resources.

Mortgage services are provided through:

Guardian Finance, LLC NMLS 2131549

Mortgage loan origination services are provided by:

Danilo Phillips NMLS 1213157

Tax, accounting, and business advisory services are provided under the professional responsibility of:

Danilo Javier Phillips, CPA Florida CPA License AC56160

Information We May Collect The information Guardian collects depends upon how you interact with us and the services you request.

Contact & Identification Information This may include:

• Name
• Email address
• Telephone number
• Mailing address
• Preferred method of communication
• Other information you choose to provide when contacting Guardian

Mortgage & Financial Information When you inquire about or pursue mortgage financing, information may include:

• Income and employment information
• Assets and liabilities
• Credit-related information
• Property information
• Mortgage and housing information
• Banking and financial information
• Government-issued identification
• Social Security number or other identifying information when required
• Information contained in a mortgage application
• Supporting documentation you provide or authorize Guardian to obtain

Some information may be obtained from third parties with your authorization or as otherwise permitted by law.

Tax, Accounting & Advisory Information When Guardian provides tax, accounting, or business advisory services, information may include:

• Tax returns and supporting tax documents
• Income and expense information
• Business financial records
• Accounting records
• Banking information
• Ownership information
• Payroll or compensation information
• Information concerning assets and liabilities
• IRS or other taxing-authority correspondence
• Other information necessary to provide the requested professional service

Tax-return information receives additional protections under federal law and applicable professional standards.

Website & Technology Information When you visit the Guardian website, certain information may be collected automatically depending upon the technologies enabled on the website.

This may include:

• Internet Protocol address
• Browser type
• Device type
• Operating system
• Pages viewed
• Referring website
• Date and time of website activity
• General website interaction information
• Cookie or similar technology information

This information may be used to operate, secure, understand, and improve the website.

Communications Guardian may maintain information you provide through:

• Website forms
• Email
• Telephone communications
• Text messages
• Secure client portals
• Virtual meetings
• Document-upload systems
• Other communications initiated in connection with Guardian's services

How We May Collect Information Guardian may obtain information:

Directly From You
For example, when you:

• Contact Guardian
• Submit a website form
• Complete an application
• Upload documents
• Schedule a conversation
• Request professional services
• Communicate with Guardian

From Authorized Third Parties

Depending upon the service requested and applicable authorization, information may also come from sources such as:

• Consumer reporting agencies
• Mortgage lenders
• Employers
• Financial institutions
• Insurance providers
• Appraisers
• Title and settlement providers
• Government agencies
• Tax authorities
• Other professionals or service providers involved in your transaction or engagement

Through Website Technology

Certain technical information may be collected automatically through cookies, server logs, analytics tools, or similar technologies used to operate and understand the website.

How We May Use Information Guardian may use information for legitimate business and professional purposes including:

• Responding to questions and inquiries
• Scheduling conversations
• Providing requested services
• Evaluating mortgage financing options
• Processing mortgage applications
• Communicating with lenders and other parties involved in a mortgage transaction
• Preparing tax returns
• Providing tax planning
• Providing accounting and business advisory services
• Maintaining client records
• Verifying identity
• Preventing fraud
• Protecting information and systems
• Meeting legal and regulatory responsibilities
• Responding to lawful governmental or regulatory requests
• Improving Guardian's services and website
• Communicating information related to an existing or requested service

Guardian seeks to collect and use information in a manner consistent with the purpose for which it was provided.

Tax Return Information Additional Protection for Taxpayer Information Tax-return information is subject to special federal protections.

Guardian does not treat information obtained in connection with tax-return preparation as unrestricted business or marketing information.

Tax-return information will be used or disclosed only as permitted by applicable law or with appropriate taxpayer consent when consent is required.

For example, information obtained through preparation of a tax return should not automatically be used to market unrelated mortgage or other services simply because the information is available to Guardian.

When federal law requires a taxpayer's consent before tax-return information can be used or disclosed for another purpose, the appropriate consent must be obtained separately.

A general acceptance of this website Privacy Policy is not intended to serve as that taxpayer consent.

Mortgage Information & Financial Privacy Mortgage brokerage relationships may involve the collection of nonpublic personal financial information.

Guardian may use or disclose such information as necessary or permitted to:

• Process or service a requested mortgage transaction
• Evaluate available financing
• Communicate with lenders
• Obtain authorized credit information
• Verify employment, income, assets, or other application information
• Coordinate with title, settlement, appraisal, insurance, and other transaction participants
• Prevent fraud
• Meet legal and regulatory obligations

Mortgage clients may receive separate financial privacy notices or other disclosures as required in connection with their transaction.

This website Privacy Policy does not replace any separate financial privacy notice required by law.

When Information May Be Shared Guardian does not treat access to personal information casually.

Information may be shared when reasonably necessary to provide requested services, when you authorize the disclosure, or when permitted or required by law.

Depending upon the service involved, information may be shared with categories of recipients such as:

Mortgage Transaction Participants

Including participating lenders, consumer reporting agencies, appraisal providers, title or settlement companies, insurance providers, verification providers, and other parties involved in processing a mortgage transaction.

Tax & Accounting Service Providers

Including authorized tax filing systems, software providers, payment processors, document-management providers, and other service providers necessary to complete requested tax, accounting, or advisory work.