Privacy Policy

As a company built on customer service, we know a thing or two about privacy. Select one of the privacy sections below or scroll down to read our privacy principles.

• Privacy Policy — Read about the type of data we collect and how we use it.
• Cookie Policy — Learn how we use cookies to improve your website experience.
• What Does Loan Peak Financial, LLC Do With My Information
• The California Consumer Privacy Act

We believe in full transparency from our loan options to our privacy policy, so here are the highlights when it comes to your personal information.

We may collect your data through various sources, and we use that information to help us provide the best possible experience for you.

Privacy Policy

Our mission is to act as a trusted advisor, and we can’t do that without your trust. This Privacy Policy explains what information we collect about you, why we collect the information, as well as how we collect and use the information so that we can deliver the best experience that we can.

This Privacy Policy is intended for individuals that reside in the United States. By using any of our websites and mobile applications in the United States (collectively, “Sites”) or otherwise providing Personal Information to us, you agree to this Privacy Policy.

Personal Information

“Personal Information” generally means any information that identifies you as an individual, and any other information we associate with it. We collect a few categories of information, from a few different sources. Information is passively collected when you use the Sites, such as by our web servers and by third party analytics tools we use.

• Our system logs may record certain information about visitors to our Sites, including the web request, Internet Protocol (“IP”) address, device and mobile ad identifiers, browser information, interaction with the Sites, pages viewed, app usage, and other such information; we may collect similar information from emails you receive from us that can help us track which emails are opened and which links are clicked by recipients.
• We use certain cookies, pixel tags and other technologies to help us understand how you use the Sites and enable us to personalize your experience. To learn more about cookies, please visit allaboutcookies.org. To learn more about Loan Peak Financial, LLC use of cookies, please see our Cookie Policy below. We may ask advertisers or other third party partners to serve ads or services to your devices, which rely on cookies or similar technologies placed on our Sites.
• We may detect the physical location of your device by, for example, using GPS information collected by mobile apps or location information shared by your web browser. We collect this information for purposes of enhancing or facilitating our services. Should you wish to opt out of the collection of this information, please adjust the settings of your device so that information about your physical location is not sent to us or third parties by (a) disabling location services within the device settings; or (b) denying certain websites or mobile applications permission to access location information by changing the relevant preferences and permissions in your mobile device or browser settings. Please note that your location may be derived from your WiFi, Bluetooth, and other device settings.

How We May Use Personal Information

We may use Personal Information as permitted by law, for the following business purposes:

• to respond to your inquiries and fulfill your requests;
• to send administrative information to you, such as about your account or loan or respond to your inquiries and requests for information;
• to communicate with you about loans, services, promotions, campaigns, programs, contests, and accounts;
• to inform you about our loan products, promotions, events or other promotional purpose;
• to re-contact you if we have not heard from you in a while;
• to send you advertising/promotional material from any of our affiliates, and on behalf of our promotional and strategic partners;
• to improve your experience with our products and services, such as by personalizing your experience with us.

We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

• to comply with applicable law and legal process;
• to respond to requests from public and government authorities, including public and government authorities outside your country of residence;
• to detect, prevent, or investigate potential security incidents or fraud;
• to facilitate the functionality of our mobile applications and websites;
• to provide important product safety information and notice of product recalls;
• to enforce our terms and conditions;
• to protect our operations or those of our affiliates;
• to protect our rights, privacy, safety or property, security and/or that of our affiliates, you or others;
• to allow us to pursue available remedies or limit the damages that we may sustain.

How Personal Information May Be Disclosed

To the extent permitted by law, all of your Personal Information may be disclosed to the following categories of third parties:

• to our affiliates for the purposes described in this Privacy Policy;
• in connection with the essential purposes described above (e.g., to comply with legal obligations).

Information Sharing With Joint Venture Partners. We may participate with another company or individual for purposes of jointly promoting our products, services, promotions or contests or their products, services, promotions, or contests. We reserve the right to disclose your personal information and usage data that you generate to them for purposes of (i) compensation, transaction processing, fulfillment, and support, and (ii) for purposes of offering you other products, services, promotions, and contests. These joint venture marketing partners may also contact you regarding other products, services, promotions, or contests.

Do Not Track

We do not monitor or follow “Do Not Track” (DNT) signals because there is no standard interpretation or practice for DNT signals. Therefore, we handle all user information consistent with this Privacy Policy.

Third Party Sites

The Sites may link to other web sites and online services. We have no control over such third parties and therefore cannot be responsible for the content, availability, or security of such linked third-party websites, so please read their privacy policies carefully. Third parties may use your information for their own purposes, including behavioral or advertising purposes. This Privacy Policy does not address the privacy and data security practices of any third parties. The inclusion of a link on the Sites does not imply endorsement of the linked third-party website or their products and services, and is provided for your convenience only. If you decide to access any of the third-party websites linked to our Sites, you do so subject to the terms and conditions of use for such third-party websites.

We are also not responsible for the privacy and data security practices of other organizations, such as Facebook, Instagram, Apple, Google, Microsoft, Twitter or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer. Please read their privacy policies and consider customized settings on your browser or through your mobile phone to limit disclosure of certain information, such as location data.

Any Personal Information that you provide through these third-party websites, mobile applications, or social platforms will be subject to the privacy policy of its operator, and not this Privacy Policy.

Security

Our customers and business partners are increasingly asking how Loan Peak Financial protects the sensitive information entrusted to us. We recognize that this is a significant trust and one that we don’t take lightly. Information Security is a complex subject, and the technical details are beyond the scope of this document. However, this document provides a general overview of the Information Security controls in place at Loan Peak Financial, LLC.

We use standard physical, technical and administrative measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your Personal Information. Unfortunately, no system or network can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us in accordance with the “Contacting Us” section below.

Retention Period

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted for legal, auditing, or compliance purposes.

Children’s Privacy

We do not intend for our websites or other online services to knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow minors under the age of 13 to disclose their Personal Information to us through the Sites. The Sites are directed to individuals who are permitted to share their Personal Information without parental consent. If you believe that we might have any information from a child under the age of 13, please contact us as directed below in the “Contacting Us” section. You may mark your inquiry “COPPA Information Request.”

Updates to This Privacy Policy

We may periodically update this Privacy Policy. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on our Sites. Your use of the Sites following these changes means that you accept the revised Privacy Policy.

Contacting Us

We welcome your questions, comments, and concerns about privacy. If you have any questions about this Privacy Policy or our data practices, please contact us as follows:

• Email: compliance@loanpeakfinancial.com
• Phone: 888-280-0808

Please note that email communications are not always secure, so please do not include credit card information or other sensitive information in any emails to us.

Cookie Policy

When you use our websites, mobile applications, and online services (the “Site”), we may store cookies on your web browser. Other third parties you choose to visit may do the same. This Cookie Policy explains what a cookie is, how you can manage your cookies, and what kind of cookies may be on our sites.

What Is a Cookie and Why Do We Use Them?

Cookies are small pieces of text. They are provided by most websites and stored by your web browser on the computer, phone, or other device that you are using. Cookies serve many purposes. They can help a website remember your preferences, learn which areas of the website are useful and which areas need improvement, and provide you with targeted advertisements or personalized content. Sometimes, cookies are enabled when pixels are placed on a website. Pixels are also referred to as web beacons, clear gifs, and tags. They enable websites to read and place cookies.

First-Party Cookies and Third-Party Cookies

Cookies can be first-party or third-party. A first-party cookie is one that you receive directly from Loan Peak Financial, LLC when visiting our Site. A third-party cookie is one that you have received from another party, such as Google or Facebook. We do not control what third parties do on other sites. However, we may work with certain third-party providers such as Google or Facebook to permit their cookies to function through our Site so we can learn more about your web experience on our Site and better personalize our services for you.

Persistent and Session Cookies

A persistent cookie is a cookie that is stored by the web browser on your device until it expires or you delete it. The expiration of a persistent cookie is determined by the creator of the cookie. For this reason, persistent cookies are also called “tracking cookies.”

A session cookie is created temporarily on your device for use by a website during your visit. This type of cookie may store information you enter and track your activity within the website. A session cookie is deleted after you leave the website or when the web browser is closed.

How Do I Manage Cookies?

Most web browsers let you choose whether to accept cookies. Most also let you delete cookies already set. The choices available, and the mechanism used, will vary from browser to browser. Such browser settings are typically found in the “options”, “tools” or “preferences” menu. You may also consult the browser’s “help” menu.

What Kind of Cookies Do We Use?

The Site may use Strictly Necessary Cookies, Performance Cookies, Functional Cookies, Targeting Cookies and Social Media Cookies. Any of these may be first-party cookies or third-party cookies, persistent or session.

• Strictly Necessary Cookies: These are cookies without which you would not be able to use this Site. If you set your browser to block these cookies, some parts of the Site will not work. Strictly Necessary Cookies do not store any Personal Information.
• Performance Cookies: We may use these cookies to count visits and traffic sources, to measure and improve Site performance. Performance Cookies do not store any Personal Information.
• Functional Cookies: These cookies allow the Site to remember choices you make and provide enhanced functionality and more personalized features.
• Targeting Cookies: Targeting cookies help us manage and display our advertisements, based on your activity on the Site and other sites; this is known as interest-based advertising.
• Social Media Cookies: Social Media Cookies make social sharing easier for you and help us better understand both the audience for the Site and the effectiveness of our social media outreach. These are third-party cookies.

Updates to This Cookie Policy

We may change this Cookie Policy at any time. Any changes in this Cookie Policy will become effective when the revised Cookie Policy is available on or through the Site.

California Consumer Privacy Act

This Privacy Notice for California Residents supplements the information contained in the Privacy Policy of Loan Peak Financial, LLC and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.

To exercise your rights under the CCPA, you may call us at 888-280-0808.

Right to Know

You have the right to know and see what data we have collected about you over the past 12 months, including:

• The categories of Personal Information we have collected about you;
• The categories of sources from which the Personal Information is collected;
• The business or commercial purpose for collecting your Personal Information;
• The categories of third parties with whom we have shared your Personal Information; and
• The specific pieces of Personal Information we have collected about you.

Right to Delete

You have the right to request that we delete the Personal Information we have collected from you. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

• Complete your transaction;
• Provide you a good or service;
• Perform a contract between us and you;
• Protect your security and prosecute those responsible for breaching it;
• Fix our system in the case of a bug;
• Protect the free speech rights of you or other users;
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest;
• Comply with a legal obligation; or
• Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

Other Rights

You also have the right not to be discriminated against for exercising any of your rights.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”).

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, including personal information covered by certain sector-specific privacy laws (such as the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994) and health or medical information covered by HIPAA, the California Confidentiality of Medical Information Act, or clinical trial data.

The categories of sources from whom we collected this Personal Information are:

• Directly from a California resident or the individual’s representatives;
• Service Providers, Consumer Data Resellers and other third parties;
• Public Record Sources (Federal, State or Local Government Sources);
• Information from our Affiliates;
• Website/Mobile App Activity/Social Media;
• Information from Client Directed Third Parties.

The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy policy are:

• Affiliates of Loan Peak Financial, LLC;
• Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities;
• Partners and Third Parties who provide services;
• Other Third Parties who enable customers to conduct transactions online and via mobile devices and support mortgage and fulfillment services;
• Government Agencies as required by laws and regulations.

How to Exercise Your California Privacy Rights

To request access to or deletion of your Personal Information, or to exercise any other data rights under California law, please contact us by phone at 888-280-0808 or email compliance@loanpeakfinancial.com.

We aim to respond to a consumer request for access or deletion within 45 days of receiving that request. If we require more time, we will inform you of the reason and extension period in writing.

CCPA FAQs

What Is “Personal Information” as Defined in the California Regulation?

Personal Information is practically anything that identifies, relates to, describes or could be associated with you. Beyond your name, phone number, or email address, it includes the kind of device you’re using to read this or which web browser. Personal Information also includes biometric data, your geolocation and even your perceived preferences. It does not include publicly available information.

Do You Sell My Personal Information?

No, we do not. In order to sell your information, we would need to first disclose to you our sale practices AND provide you with an easy “DO NOT SELL MY INFO” button on our website for you to opt-out of future sales of your Personal Information. We do not sell your Personal Information.

How and Where Do You Collect Personal Information?

We collected most of this information directly from you — either during a mortgage application or as we service your mortgage loan. Such Personal Information includes social security number, employment history and bank account numbers. We collect and secure all of this information in accordance with federal regulations. We also may receive information from other sources, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained.

We also gather information using cookies and other online tools and technology. We collect some information about anonymous website visitors, but we do not attempt to identify our visitors by name or profile.

Will You Delete My Information If I Request You Do So?

The short answer is maybe. The CCPA requires businesses that collect Personal Information directly from consumers to delete such information upon request — unless the deletion request is subject to an exception or exemption. Information we collect, store, or share in connection with providing you a financial product or service is exempt, because your financial information is already regulated by federal law. Even if you’re not a customer of ours, we might need to keep some of your information to complete a transaction, prevent or detect fraud, or comply with a legal obligation. While we may not delete your information, we will always use it for a lawful purpose that aligns with what you would expect given your relationship with Loan Peak Financial, LLC.

To submit a request, feel free to call us at 888-280-0808.

Can I Request a Copy of What You Collected or Shared?

In some cases, yes. The CCPA refers to this as your “Right to Know.” The CCPA does not apply to most of the information that we collect or share in our role as a financial institution. We won’t include any of that information in your Right to Know response, but we might have other information that is not exempt.

SMS Privacy Policy

Loan Peak Financial, LLC is committed to protecting your privacy. This SMS Privacy Policy (the “Policy”) governs how we treat the Personal Information that we collect and receive from you in connection with your use of the SMS Service (“Service”), which we make available to you through a third-party service provider. This Policy is incorporated into the Terms of Service.

By using the Service, you agree to the terms of this Policy. Loan Peak Financial reserves the right, in its sole discretion, to modify or change this Policy at any time with or without prior notice to you.

What Personal Information Is Collected

Through the use of the Service, Loan Peak Financial, LLC will receive the following information from our third-party service provider: your mobile phone number when you send a text message to us, the text of messages that you send to other users of the Service, any user or screen name that you select, as well as any comments or feedback regarding the Service that you send to us.

How We Use Personal Information

We use Personal Information to (a) provide you with the Service, (b) process and respond to inquiries, (c) improve the Service, (d) if necessary, contact you with important announcements or messages, (e) conduct research, and (f) provide anonymous reporting for internal and external clients and partners.

Disclosure of Your Information

We will not sell your Personal Information to other companies or individuals. We may use or disclose such information only in limited circumstances: with your consent; with trusted businesses or persons processing on our behalf; with parties under non-disclosure agreements; with companies under common control with Loan Peak Financial, LLC; in response to subpoenas, court orders, or legal process; or where necessary to investigate illegal activities, fraud, or threats to safety.

Opting In and Out

A mobile user might opt-in by entering a phone number online, filling out an online form, or signing up at a point-of-sale. You can opt out at any time by replying “STOP” to the text messages you receive.

Questions or Concerns?

If you have any additional questions regarding this Policy, please feel free to contact us anytime by sending an email to compliance@loanpeakfinancial.com.