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Effective Date: June 1, 2025
HomeLoan123, Inc.
NMLS #235684 | CA DRE #01183936
HomeLoan123, Inc. (“Company,” “we,” “us,” or “our”) is committed to safeguarding the privacy and confidentiality of personal information obtained from individuals (“you” or “your”) who interact with our website and services. This Privacy Policy outlines our practices concerning the collection, use, disclosure, and protection of your personal information in accordance with applicable federal and state laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other relevant privacy regulations.
1. Information We Collect
We may collect and process both nonpublic personal information (“NPI”) and other personally identifiable information (“PII”), including but not limited to:
Full name, date of birth, Social Security number
Home and mailing addresses, phone numbers, and email addresses
Employment and income data, bank account information, and other financial details
Credit reports and credit scores
Information provided during loan applications, correspondence, and support interactions
Technical data from your browser or device (e.g., IP address, cookies, device identifiers)
2. Use of Information
We may use the information collected for the following purposes:
To evaluate and process mortgage loan applications and other financial services
To verify identity, assess creditworthiness, and comply with legal obligations
To fulfill contractual obligations and provide requested services
To detect and prevent fraud or other unauthorized or illegal activity
To communicate with you regarding your account, inquiries, or marketing (as permitted by law)
To analyze site usage and improve website functionality and user experience
3. Disclosure of Information
We do not sell personal information. However, we may disclose information as permitted or required by law, including:
To affiliated and non-affiliated third-party financial institutions, investors, or service providers involved in the processing or servicing of your loan
To consumer reporting agencies, government entities, and regulators where disclosure is mandated
To vendors who perform services on our behalf (e.g., hosting, analytics, communications), subject to confidentiality obligations
In response to lawful requests by public authorities, including to meet national security or law enforcement requirements
In connection with a merger, acquisition, or sale of assets, subject to standard confidentiality provisions
4. California Consumer Privacy Rights
If you are a resident of California, you are entitled to certain rights under the CCPA, including:
The right to request disclosure of the categories and specific pieces of personal information we have collected
The right to request deletion of your personal information, subject to certain exceptions
The right to opt out of the sale of personal information (note: we do not sell personal data)
The right to non-discrimination for exercising any of your CCPA rights
To exercise your rights, please submit a verifiable consumer request by contacting us at the information provided in Section 9 below.
5. Cookies and Tracking Technologies
We utilize cookies and similar tracking technologies to enhance user experience, analyze website traffic, and deliver relevant advertising. You may control or disable cookies through your browser settings. However, doing so may affect site functionality.
6. Security of Information
We employ administrative, technical, and physical safeguards designed to ensure the confidentiality, integrity, and availability of your personal information. Despite these efforts, no method of transmission over the internet or method of electronic storage is entirely secure, and we cannot guarantee absolute security.
7. Retention of Information
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory obligations, to resolve disputes, and to enforce our agreements.
8. Third-Party Websites
This website may contain links to external websites not controlled or operated by HomeLoan123. We are not responsible for the content or privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.
9. Contact Information
If you have any questions or concerns regarding this Privacy Policy or our data practices, or if you wish to exercise your privacy rights under applicable law, you may contact us using the following information:
HomeLoan123, Inc.
13725 Proctor Ave #A La Puente, CA 91746
Phone: 800-560-7766
Email: info@homeloan123.com
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