Privacy Policy

Last updated: May 16, 2026

Huitai LLC ("we," "us," or "our") respects your privacy. This Privacy Policy describes how we collect, use, share, and protect personal information collected through alaska.loans (the "Site") in connection with mortgage origination services provided by Derek Huit (NMLS #203980) for Cardinal Financial Company, L.P. (NMLS #66247).

1. Information we collect

We collect information you voluntarily provide when you submit forms on the Site, including:

• Name, email address, telephone number
• VA eligibility status, intended purchase timeframe, location in Alaska
• Communications you send to us

We also automatically collect device, browser, and usage information, including IP address, user agent, pages viewed, and referring URL. We use cookies, web beacons, and similar technologies — including the Meta Pixel — to enable site functionality and to measure advertising effectiveness.

2. How we use information

• To respond to your inquiries and provide mortgage origination services
• To pre-qualify and process loan applications you initiate
• To contact you about mortgage products by phone, email, and SMS as you have consented
• To measure and improve marketing, including advertising on Meta platforms
• To comply with applicable law and regulatory requirements

3. How we share information

• Cardinal Financial Company, L.P. — our affiliated lender for loan processing and underwriting
• Service providers — CRM, email, SMS, analytics, and advertising partners, including Meta Platforms, who process data on our behalf
• Credit reporting agencies — when you authorize a credit pull
• Legal and regulatory authorities — when required by law

We do not sell your personal information.

4. Meta Pixel and CAPI

We use the Meta Pixel and Meta Conversions API to measure the effectiveness of advertising on Facebook and Instagram. Hashed identifiers (such as email and phone) may be transmitted to Meta to match your actions on our Site with ads you have seen, in accordance with Meta's data use policies.

5. Your choices

• SMS opt-out: Reply STOP to any SMS message.
• Email opt-out: Use the unsubscribe link in any marketing email.
• Do not contact: Visit /cancel to request removal from all marketing contact.
• Cookies: Most browsers allow you to disable cookies through browser settings.

6. State privacy rights

Residents of certain states — including California, Colorado, Connecticut, Texas, Virginia, and others — may have specific rights regarding access, correction, deletion, and portability of personal information. To exercise these rights, contact derekhuit@gmail.com.

7. Data security

We use commercially reasonable safeguards to protect personal information. No method of transmission over the internet is fully secure; we cannot guarantee absolute security.

8. Children

The Site is not directed to children under 18, and we do not knowingly collect information from anyone under 18.

9. Changes

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision.

10. Contact

Huitai LLC · Anchorage, Alaska · derekhuit@gmail.com