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Kyber Mortgage Corporation
Last Updated: 11/12/2025
Effective Date: 11/12/2025
Kyber Mortgage Corporation ("Kyber Mortgage," "we," "us," or "our") is committed to protecting your privacy and ensuring transparency in how we collect and use information through our website. As a licensed mortgage broker and private bank, we adhere to strict financial industry regulations and data protection standards.
This Cookie Policy explains how we use cookies and similar tracking technologies on our website, your choices regarding these technologies, and how we comply with applicable laws including the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and financial services regulations.
By using our website, you consent to the use of cookies as described in this policy, subject to your cookie preferences.
Cookies are small text files stored on your device (computer, tablet, or mobile phone) when you visit a website. They allow the website to recognize your device and remember information about your visit, such as your preferences and actions.
Session Cookies: Temporary cookies that expire when you close your browser. These are essential for website functionality.
Persistent Cookies: Remain on your device for a set period or until you delete them. These help us remember your preferences and analyze usage.
First-Party Cookies: Set directly by Kyber Mortgage Corporation.
Third-Party Cookies: Set by external services we use (e.g., analytics, marketing platforms).
We use cookies for the following purposes:
These cookies are strictly necessary for the website to function and cannot be disabled in our systems.
Purpose:
Legal Basis: These cookies are necessary for the performance of our services and to protect our legitimate interests in security and fraud prevention.
Examples:
session_id - Maintains your session statecookie-consent - Stores your cookie preferencescsrf_token - Protects against cross-site request forgeryThese cookies help us understand how visitors interact with our website, allowing us to improve functionality and user experience.
Purpose:
Legal Basis: Your consent, which you can withdraw at any time.
Third-Party Services:
Data Collected:
Note: Analytics data is anonymized and aggregated. We do not use this data to identify individual users.
These cookies are used to deliver relevant advertising and track the effectiveness of our marketing campaigns.
Purpose:
Legal Basis: Your consent, which you can withdraw at any time.
Third-Party Services:
Data Collected:
Note: We do not share personally identifiable financial information with advertising platforms.
These cookies enable enhanced functionality and personalization.
Purpose:
Legal Basis: Your consent, which you can withdraw at any time.
As a licensed mortgage broker and private bank, we adhere to additional regulatory requirements:
We comply with:
When you first visit our website, you'll see a cookie consent banner. You can:
You can change your preferences at any time by clicking the "Cookie Settings" link in our website footer.
Most web browsers allow you to control cookies through settings:
Chrome: Settings > Privacy and Security > Cookies and other site data
Firefox: Settings > Privacy & Security > Cookies and Site Data
Safari: Preferences > Privacy > Cookies and website data
Edge: Settings > Cookies and site permissions
Note: Blocking essential cookies may prevent access to certain features, including client portals and loan applications.
We respect Do Not Track browser signals and will not track users who have DNT enabled. However, essential functionality cookies will still be required for website operation.
Under GDPR, you have the right to:
To exercise these rights, contact us at: licensing@hypersmart.loan
Under the California Consumer Privacy Act, you have the right to:
We do not sell personal information. To exercise your rights, contact us at: licensing@hypersmart.loan or call 877-876-3956.
Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Utah (UCPA) have similar rights. Contact us to exercise your rights under applicable state law.
We use reputable third-party services that may set cookies on your device. These third parties have their own privacy policies:
Google (Analytics, Tag Manager, Ads)
Privacy Policy: https://policies.google.com/privacy
Opt-Out: https://tools.google.com/dlpage/gaoptout
Meta/Facebook (Meta Pixel)
Privacy Policy: https://www.facebook.com/privacy/policy
Opt-Out: https://www.facebook.com/settings?tab=ads
LinkedIn (Insight Tag)
Privacy Policy: https://www.linkedin.com/legal/privacy-policy
Opt-Out: https://www.linkedin.com/psettings/guest-controls
We require all third-party vendors to comply with applicable data protection laws and maintain appropriate security measures.
Essential Cookies: Retained for the duration of your session or as necessary for security (typically 30 days)
Analytics Cookies: Data retained for up to 26 months (Google Analytics default)
Marketing Cookies: Typically expire within 90-180 days, varying by platform
Consent Records: We maintain records of your cookie consent choices for 12 months as required by law
You can request deletion of non-essential cookie data at any time by contacting us.
Kyber Mortgage Corporation is based in the United States. Some of our third-party service providers may process data in other countries. When we transfer data internationally:
If you are accessing our website from outside the United States, your information may be transferred to, stored, and processed in the United States.
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.
We may update this Cookie Policy periodically to reflect changes in:
Last Updated Date: We will update the "Last Updated" date at the top of this policy.
Notification of Changes: Material changes will be communicated through:
We encourage you to review this policy periodically.
If you have questions, concerns, or requests regarding this Cookie Policy or our data practices:
Kyber Mortgage Corporation
Attention: Privacy Officer / Compliance Department
Email: licensing@hypersmart.loan Phone: 877-876-3956 Address: 6713 Jester Blvd., Austin, Texas 78750
NMLS #: 2653540
Kyber Mortgage Corporation is regulated by:
To file a complaint or learn more about your rights, you may contact these regulatory bodies.
Below is a detailed list of cookies we use (updated regularly):
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
session_id | Kyber Mortgage | Maintains user session | Session |
cookie-consent | Kyber Mortgage | Stores consent preferences | 12 months |
csrf_token | Kyber Mortgage | Security protection | Session |
load_balancer | Kyber Mortgage | Server distribution | Session |
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
_ga | Google Analytics | Distinguishes users | 2 years |
_gid | Google Analytics | Distinguishes users | 24 hours |
_gat | Google Analytics | Throttle request rate | 1 minute |
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
_fbp | Meta Pixel | Facebook advertising | 90 days |
fr | Meta Pixel | Facebook advertising | 90 days |
IDE | Google Ads | Ad targeting | 13 months |
This list is representative. Actual cookies may vary based on your consent choices and third-party updates.
Cookie: A small text file stored on your device by a website.
Personal Information: Information that identifies, relates to, or could reasonably be linked to you.
Processing: Any operation performed on personal data, such as collection, storage, or transmission.
Consent: Your freely given, specific, informed, and unambiguous agreement to the use of cookies.
Data Controller: The entity that determines the purposes and means of processing personal data (Kyber Mortgage Corporation).
Data Processor: A third party that processes data on behalf of the data controller.
By clicking "Accept All Cookies" or continuing to use our website after reviewing your cookie preferences, you acknowledge that you have read, understood, and agree to this Cookie Policy.
You may withdraw your consent at any time through the cookie preference center or by contacting us.
Kyber Mortgage Corporation dba HyperSmart Home Loans, NMLS ID 2653540. See www.nmlsconsumeraccess.org. Principal address 6713 Jester Blvd., Austin, Texas 78750. This is not an offer for extension of credit or commitment to lend. All loans must satisfy underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. Equal Housing Lender. Corp. Phone: 877-876-3956. Made in Austin, Texas with Love.
Privacy Policy | Licensing & Locations | Consumer NMLS Access
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