Save Financial, Incorporated ("Save Financial," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website mortgageguidecalifornia.com or use our mortgage brokerage services.
1. Information We Collect
Personal Information: When you request a mortgage quote, apply for a loan, or contact us, we may collect your name, email address, phone number, mailing address, Social Security number, date of birth, employment information, income and asset details, credit information, and property details.
Automatically Collected Information: When you visit our website, we may automatically collect your IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and other browsing data through cookies and similar technologies.
Third-Party Information: With your authorization, we may obtain credit reports, employment verification, income documentation, and other information from third parties as part of the mortgage application process.
2. How We Use Your Information
We use your information to process mortgage applications and loan requests, communicate with you about our services, provide personalized mortgage rate quotes, comply with federal and state lending regulations, improve our website and services, send marketing communications (with your consent), and prevent fraud and ensure security.
3. Information Sharing
We may share your information with wholesale lenders and financial institutions to process your loan application, credit reporting agencies as required by law, service providers who assist in our operations (e.g., appraisers, title companies, underwriters), government agencies as required by federal and state regulations, and legal and compliance professionals.
We do not sell your personal information to third-party marketers or data brokers.
4. Gramm-Leach-Bliley Act (GLBA) Compliance
As a licensed mortgage broker (Sponsored by Save Financial, Inc. (NMLS #377740)), Save Financial complies with the Gramm-Leach-Bliley Act, which requires financial institutions to explain their information-sharing practices and to safeguard sensitive data. You have the right to opt out of certain information-sharing practices by contacting us.
5. California Consumer Privacy Act (CCPA)
If you are a California resident, you have the right to know what personal information we collect and how it is used, request deletion of your personal information (subject to legal exceptions), opt out of the sale of your personal information (we do not sell personal information), and not be discriminated against for exercising your privacy rights.
To exercise your CCPA rights, contact us at mike.basti@iloanca.com or call (888) 703-1840.
6. Cookies and Tracking
Our website uses cookies and similar tracking technologies to analyze site traffic and usage (Google Analytics), measure advertising effectiveness (Facebook Pixel), remember your preferences, and improve website functionality. You can control cookie preferences through your browser settings. Disabling cookies may limit certain website features.
7. Data Security
We implement industry-standard security measures to protect your personal information, including SSL/TLS encryption for data transmission, secure storage systems for sensitive documents, access controls limiting employee access to personal data, and regular security assessments and updates. While we strive to protect your information, no method of electronic transmission or storage is 100% secure.
8. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory requirements (including federal record-keeping requirements for mortgage transactions), resolve disputes, and enforce our agreements.
9. Third-Party Links
Our website may contain links to third-party websites (e.g., NMLS Consumer Access, lender websites). We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our website after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights:
Save Financial, Incorporated
4000 MacArthur Blvd, Suite 600
Newport Beach, CA 92660
Phone: (888) 703-1840
Email: mike.basti@iloanca.com
Sponsored by Save Financial, Inc. (NMLS #377740) · DRE #01875766