So Cal Home Loan, Inc. takes our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
Personal information we collect online
You may interact with us in a variety of ways. We may permit browsing and not require the inputting of any personal information. We may also offer the ability to learn more about or apply for our loan products. Information that we may collect about you through online interaction includes personal information you provide via a contact web-form which includes name, telephone, postal address, and email address. If you decide to apply for a loan, other online fields will be required such as Social Security Number and birthdate.
How personal information is shared
We will use and share any information that we collect from or about you in accordance with the So Cal Home Loan, Inc.
Information we collect online
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies we use do not contain or capture unencrypted personal information. Cookies allow us to collect information such as browser type, time spent on the website, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/customize your experience while visiting the website, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the website in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how visitors use the website and to assist us with resolving questions regarding the website. We also utilize cookies for our online advertising purposes.
We do not currently take any action with respect to a browser’s “do-not track” signals. If a website visitor enters our website, or clicks on one of our advertisements on a third party site, a cookie may be planted on the visitor’s browser for future targeted ads.
The cookie does not keep a history of which sites were visited, but will recognize if the visitor visits a site in the Google Ad Network. If the visitor does visit a site on the Google Ad Network then the user may be targeted for an advertisement. If a visitor to our website enters data into a web-form and submits data to us, the information is paired with the IP address of the computer the visitor is using. This information is shared internally but not with third parties. IP addresses are only shared with the Google search company that we use for our ad campaigns.
To prevent or block cookies from tracking your visits, you can configure your web browser to reject all cookies, or notify you when a cookie is set. Most browsers like Chrome, Safari, Firefox, Internet Explorer and more will give you the ability to control and block cookies. To learn more or opt-out of receiving online display advertisements by our third party partners, visit the Network Advertising Initative at www.networkadvertising.org/choices
We maintain physical, electronic and procedural safeguards designed to protect personal information. We also employ encryption technologies and user authentication procedures that are designed to keep your data secure. We limit access to personal information to authorized personnel and contractors who need access to perform their job and are contractually required to keep your information secure.
Policy updates and effective date
Last Update: November 18, 2019