Compliances & Information Security
Consistency and Efficiency
Quality and process management ensures that a standardized approach is followed for all tasks, resulting in consistency and efficiency. This helps to minimize errors, reduce rework and increase productivity.
Customer Satisfaction
A quality management policy ensures that the services provided meet the requirements and expectations of the customers. This helps to build a good reputation and customer loyalty, resulting in increased sales and profits.
Continuous Improvement:
By analyzing data and making changes, organizations can optimize their processes and improve the quality of services provided. This helps to reduce costs, increase efficiency, and maintain a competitive edge in the market.
Regulatory Compliance Designed for the Mortgage & Title Industry
SAFE Act Compliance
Fully Compliant. Zero Borrower Interaction. 100% Support-Only Operations.
GrowQ LLC strictly adheres to the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
We do not originate, solicit, negotiate, or fund loans. All activities are purely clerical, administrative, or operational, performed under the direction and supervision of licensed lenders, brokers, and title professionals.
How We Meet SAFE Act Requirements :
- Operate exclusively under the clerical/support exemption
- Provide contract processing and underwriting support only
- Maintain a formal SAFE Act No-License / Compliance Declaration Letter
- Zero communication with borrowers, zero negotiation activities
Result
GrowQ LLC operates fully within SAFE Act–exempt guidelines, ensuring your business is protected from regulatory risk while leveraging offshore efficiency.
Protecting Borrower Information with End-to-End Safeguards
GLBA Compliance – Non-Public Personal Information (NPI) Protection
- Strict access controls (role-based permissions)
- Encryption at rest and in transit
- Legally binding NDAs for every employee
- Mandatory GLBA & NPI protection training
- Secure data retention and destruction policies
- Vendor risk assessments and periodic audits
Result
GLBA-aligned privacy, confidentiality, and data protection are built into every step of your mortgage and title workflow.
A Fully Structured Written Information Security Program (WISP)
FTC Safeguards Rule (2023 Revision) Compliance
- Designated Qualified Information Security Officer (QISO)
- Regular risk assessments and cyber gap analyses
- Multi-factor authentication (MFA) & endpoint security
- Continuous network monitoring and penetration testing
- Formal Incident Response & Data Breach Notification Plan
- Mandatory annual cybersecurity training
Result
Our environment meets and often exceeds FTC expectations for third-party service providers handling financial data.
World-Class Infrastructure Built for Security & Reliability
AWS Certifications Covering Our Hosting Environment :
- SOC 2 Type II
- ISO/IEC 27001
- PCI DSS
- ISO 27001 (ISMS): Confidentiality, Integrity & Availability of data
- ISO 9001:2015 (QMS): Consistent quality and process improvement
- Third-party cybersecurity & vulnerability audits
- Controlled restricted access to secure data zones
Result
You receive enterprise-grade security, operational reliability, and uncompromised protection no matter the scale of your mortgage or title processes.
Data Privacy & Confidentiality You Can Trust
- All employees sign Confidentiality & Data Handling Agreements
- Role-based, need-to-know access only
- All communications transmitted over secure, encrypted channels
- Strict policies for usage, storage, transfer, and destruction of sensitive data
Result
Your information stays private, secure, and exclusively under your control.
Compliance Documentation Available on Request
| Document | Purpose |
|---|---|
| SAFE Act No-License / Compliance Declaration Letter | Confirms exemption and support-only operations |
| Written Information Security Program (WISP) Summary | Shows cyber risk & safeguard framework |
| Data Privacy & Confidentiality Policy | Demonstrates GLBA-aligned data protection |
| Annual Security Audit Report | Validates AWS, ISO, and FTC compliance integrity |
| Document | Purpose |
|---|---|
| SAFE Act No-License / Compliance Declaration Letter | Confirms exemption and support-only operations |
| Written Information Security Program (WISP) Summary | Shows cyber risk & safeguard framework |
| Data Privacy & Confidentiality Policy | Demonstrates GLBA-aligned data protection |
| Annual Security Audit Report | Validates AWS, ISO, and FTC compliance integrity |
| Document | Purpose |
|---|---|
| SAFE Act No-License / Compliance Declaration Letter | Confirms exemption and support-only operations |
| Written Information Security Program (WISP) Summary | Shows cyber risk & safeguard framework |
| Data Privacy & Confidentiality Policy | Demonstrates GLBA-aligned data protection |
| Annual Security Audit Report | Validates AWS, ISO, and FTC compliance integrity |
Why Clients Trust GrowQ LLC with Their Mortgage & Title Operations
- 100% U.S. regulatory aligned
- Enterprise-level cybersecurity environment
- Zero-compromise confidentiality
- Transparent, audit-ready documentation
- A security posture built for lenders, title agencies, brokers & servicers
Our Business
Frequently Asked Question
Information Security – Frequently Asked Questions (FAQ)
Yes. GrowQ LLC is fully compliant with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
We do not originate, negotiate, solicit, or fund loans.
All our services—loan setup, processing, data entry, QC, and underwriting support—are purely clerical and administrative, performed under the supervision of licensed lenders/brokers.
We also maintain a SAFE Act No-License Compliance Declaration, available upon request.
No.
Our team operates under the clerical/support exemption defined in the SAFE Act and applicable state regulations.
Clients retain full licensing responsibility while we provide compliant back-office support.
We follow GLBA Privacy & Safeguards Rules with:
- End-to-end encrypted systems
- Role-based access controls
- A full Written Information Security Program (WISP)
- Mandatory staff training on NPI handling
- Secure data flow and retention protocols
- NDA-bound staff and confidentiality controls
Your data never leaves secure, audited environments.
- SOC 2 Type II
- ISO/IEC 27001
- PCI DSS
- Role-based permissions
- MFA-secured logins
- Continuous access monitoring
- Regular audits and access reviews
- Immediate revocation upon role change or separation
Yes.
GrowQ LLC performs:
- Ongoing vulnerability scans
- Annual third-party cybersecurity assessments
- Penetration testing
- Regular internal information security audits
These ensure proactive detection and mitigation of risks.
- Immediate triage and containment
- Root-cause analysis
- Client notification
- Remediation actions
- Preventive measures to avoid recurrence
- A mutual Non-Disclosure Agreement
- A Data Security & Processing Agreement
- A Compliance Acknowledgment Agreement
- Client-driven audits
- Due diligence questionnaires
- Virtual or onsite process walkthroughs
- Live system demonstrations
- SAFE Act Compliance Declaration
- WISP Summary
- Data Privacy Policy
- Annual Security Audit Summary
- U.S. mortgage lifecycle and documentation
- SAFE Act compliance boundaries
- GLBA privacy standards
- FTC Safeguards Rule
- Fraud prevention & red-flag identification
- Information security best practices
- Loan negotiations
- Asking borrowers for missing conditions
- Discussing rates, terms, or decisions
- VPN
- SFTP
- SSL/TLS-based platforms
- Encrypted email (if required)
- Client-provided systems (preferred)
- Data is securely deleted
- Deletion logs are shared upon request
- ISO 27001 (Information Security)
- ISO 9001:2015 (Quality Management)
- SOC 2 Type II (security, availability, confidentiality)
- FTC Safeguards Rule WISP
Frequently Asked Question
Information Security – Frequently Asked Questions (FAQ)
Yes. GrowQ LLC is fully compliant with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
We do not originate, negotiate, solicit, or fund loans.
All our services—loan setup, processing, data entry, QC, and underwriting support—are purely clerical and administrative, performed under the supervision of licensed lenders/brokers.
We also maintain a SAFE Act No-License Compliance Declaration, available upon request.
No.
Our team operates under the clerical/support exemption defined in the SAFE Act and applicable state regulations.
Clients retain full licensing responsibility while we provide compliant back-office support.
We follow GLBA Privacy & Safeguards Rules with:
- End-to-end encrypted systems
- Role-based access controls
- A full Written Information Security Program (WISP)
- Mandatory staff training on NPI handling
- Secure data flow and retention protocols
- NDA-bound staff and confidentiality controls
Your data never leaves secure, audited environments.
GrowQ LLC operates on Amazon Web Services (AWS)—a platform certified for :
- SOC 2 Type II
- ISO/IEC 27001
- PCI DSS
This ensures enterprise-grade stability, security, and uptime.
Access follows strict “least-privilege” and “need-to-know” principles:
- Role-based permissions
- MFA-secured logins
- Continuous access monitoring
- Regular audits and access reviews
- Immediate revocation upon role change or separation
Only authorized staff can view or process relevant data.
Yes.
GrowQ LLC performs:
- Ongoing vulnerability scans
- Annual third-party cybersecurity assessments
- Penetration testing
- Regular internal information security audits
These ensure proactive detection and mitigation of risks.
We maintain a fully documented Incident Response & Data Breach Notification Plan aligned with FTC Safeguards Rule requirements.
Our response protocol includes:
- Immediate triage and containment
- Root-cause analysis
- Client notification
- Remediation actions
- Preventive measures to avoid recurrence
We have never experienced a major data breach.
Yes.
Every engagement includes:
- A mutual Non-Disclosure Agreement
- A Data Security & Processing Agreement
- A Compliance Acknowledgment Agreement
Every employee also signs legally binding confidentiality agreements.
Absolutely.
We support:
- Client-driven audits
- Due diligence questionnaires
- Virtual or onsite process walkthroughs
- Live system demonstrations
We also provide:
- SAFE Act Compliance Declaration
- WISP Summary
- Data Privacy Policy
- Annual Security Audit Summary
We welcome compliance verification.
Yes.
All staff receive structured training on:
- U.S. mortgage lifecycle and documentation
- SAFE Act compliance boundaries
- GLBA privacy standards
- FTC Safeguards Rule
- Fraud prevention & red-flag identification
- Information security best practices
Training is mandatory at onboarding + annually.
GrowQ LLC operates from a secure delivery center in Gandhinagar, Gujarat, India, with U.S. corporate presence for client partnerships.
All locations follow identical compliance and security standards.
To remain SAFE Act compliant, we do not engage in any activities considered “loan origination,” such as:
- Loan negotiations
- Asking borrowers for missing conditions
- Discussing rates, terms, or decisions
However, we can support clerical communication approved by the lender (e.g., scheduling, documentation reminders).
All data exchange uses secure, encrypted channels, including:
- VPN
- SFTP
- SSL/TLS-based platforms
- Encrypted email (if required)
- Client-provided systems (preferred)
We never transfer files via insecure methods.
No.
Data retention follows strict, client-approved policies.
Upon project completion or retention period expiry:
- Data is securely deleted
- Deletion logs are shared upon request
We only store what is required for active work.
GrowQ LLC aligns with:
- ISO 27001 (Information Security)
- ISO 9001:2015 (Quality Management)
- SOC 2 Type II (security, availability, confidentiality)
- FTC Safeguards Rule WISP
These frameworks guide our operational and security culture.