Introduction

Information We Collect

Information You Provide Directly

We collect information you voluntarily provide when you:

• Complete contact forms or loan inquiry forms
• Use our mortgage calculators and financial tools
• Submit loan applications
• Schedule appointments or consultations
• Sign up for newsletters or updates
• Communicate with us via email, phone, or text message

This information may include:

• Personal Identifiers: Name, email address, phone number, mailing address
• Financial Information: Income, assets, debts, credit information, employment details, property information
• Demographic Information: Age, marital status, number of dependents
• Communication Preferences: Preferred contact methods and times

Information Collected Automatically

When you visit our website, we may automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring websites
• Location Data: General geographic location based on IP address
• Cookies and Similar Technologies: Information stored through cookies, web beacons, and similar tracking technologies

Information from Third Parties

We may receive information about you from:

• Credit bureaus and credit reporting agencies
• Employers and financial institutions (with your authorization)
• Real estate agents and other professionals involved in your transaction
• Public records and databases
• Marketing partners and advertising platforms (such as Meta/Facebook, Google)

How We Use Your Information

We use your personal information for the following purposes:

Mortgage Services

• Evaluate your eligibility for mortgage products
• Process and underwrite loan applications
• Provide personalized rate quotes and loan options
• Facilitate communication throughout the loan process
• Comply with legal and regulatory requirements

Customer Service & Communication

• Respond to your inquiries and requests
• Schedule appointments and consultations
• Send service-related notifications and updates
• Provide customer support

Marketing & Advertising

• Send promotional materials, newsletters, and market updates (with your consent)
• Deliver targeted advertising through platforms like Meta (Facebook/Instagram) and Google
• Measure and analyze the effectiveness of our marketing campaigns
• Personalize your experience on our website

Analytics & Improvement

• Analyze website usage and user behavior
• Improve our website, tools, and services
• Develop new products and features
• Conduct market research

Legal & Compliance

• Comply with federal and state lending regulations
• Respond to legal processes and government requests
• Protect against fraud and unauthorized transactions
• Enforce our terms and conditions

How We Share Your Information

We may share your information in the following circumstances:

Service Providers

We share information with trusted third-party service providers who assist us in:

• Loan processing and underwriting
• Credit reporting and verification
• Document management and storage
• Website hosting and maintenance
• Email and marketing communications
• Customer relationship management (CRM)
• Analytics and advertising platforms

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Business Partners

We may share information with:

• West Coast Mortgage Group and its affiliates
• Lenders and investors who may fund your loan
• Title companies and escrow agents
• Real estate professionals involved in your transaction
• Appraisers and inspectors
• Insurance providers

Legal Requirements

We may disclose your information when required by law or when we believe disclosure is necessary to:

• Comply with legal obligations, court orders, or government requests
• Protect our rights, property, or safety, or that of others
• Prevent or investigate fraud or security issues
• Enforce our agreements and policies

Business Transfers

If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

With Your Consent

We may share your information with third parties when you provide explicit consent or direct us to do so.

Advertising & Marketing

Third-Party Advertising Platforms

We use advertising platforms including Meta (Facebook/Instagram), Google Ads, and other digital advertising services to:

• Display targeted advertisements to potential customers
• Retarget visitors who have previously visited our website
• Measure advertising campaign performance
• Build custom and lookalike audiences

These platforms may use cookies, pixels, and similar technologies to collect information about your online activities. We may share hashed or pseudonymous identifiers with these platforms to facilitate targeted advertising.

Your Advertising Choices

You can opt out of targeted advertising by:

• Adjusting your preferences in your browser settings
• Using the Digital Advertising Alliance's opt-out tool at www.aboutads.info/choices
• Using the Network Advertising Initiative's opt-out tool at www.networkadvertising.org/choices
• Adjusting your privacy settings on Meta, Google, and other platforms
• Enabling "Do Not Track" signals in your browser (though not all platforms honor these signals)

Email Marketing

If you provide your email address, we may send you:

• Promotional emails about our services and mortgage products
• Educational content and market updates
• Newsletters and special offers

You can unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in any email or by contacting us at [email protected].

Cookies & Tracking Technologies

What Are Cookies?

Cookies are small text files stored on your device when you visit our website. We use cookies and similar technologies (web beacons, pixels, tags) to enhance your experience and collect usage information.

Types of Cookies We Use

• Essential Cookies: Required for website functionality (e.g., security, form submission)
• Analytics Cookies: Help us understand how visitors use our website
• Advertising Cookies: Used to deliver relevant advertisements and measure campaign effectiveness
• Functional Cookies: Remember your preferences and settings

Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may limit your ability to use certain features of our website. Most browsers allow you to:

• View and delete cookies
• Block third-party cookies
• Block all cookies
• Receive notifications when cookies are set

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology for data transmission
• Access controls and authentication measures
• Regular security assessments and updates
• Employee training on data privacy and security

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce our agreements

Loan application data and related documents are typically retained for at least 7 years in accordance with federal lending regulations. Marketing data may be retained until you opt out or request deletion.

Your Rights & Choices

Depending on your location, you may have certain rights regarding your personal information:

Access & Portability

You have the right to request access to the personal information we hold about you and, in some cases, receive a copy in a portable format.

Correction

You may request that we correct inaccurate or incomplete personal information.

Deletion

You may request that we delete your personal information, subject to certain exceptions (e.g., legal obligations, active loan applications).

Opt-Out

You have the right to opt out of:

• Marketing communications
• Targeted advertising
• Sale of personal information (we do not sell personal information)

Restrict Processing

In certain circumstances, you may request that we limit how we use your personal information.

Object

You may object to our processing of your personal information for certain purposes, such as direct marketing.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: Request information about the categories and specific pieces of personal information we collect
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate information
• Right to Opt-Out: Opt out of the sale or sharing of personal information (we do not sell personal information)
• Right to Limit: Limit the use of sensitive personal information
• Right to Non-Discrimination: Exercise your privacy rights without discriminatory treatment

To submit a request, contact us at [email protected] or (916) 549-6973.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly. If you believe we have collected information from a child, please contact us immediately.

Do Not Track Signals

Some browsers transmit "Do Not Track" (DNT) signals. Because there is no uniform standard for DNT signals, our website does not currently respond to DNT browser signals. However, you can adjust your privacy preferences through the methods described in this Privacy Policy.

Third-Party Links

Our website may contain links to third-party websites, including lender websites, real estate portals, and other resources. This Privacy Policy does not apply to those third-party sites. We are not responsible for the privacy practices of other websites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website with a new effective date
• Sending an email notification (if you have provided your email address)
• Displaying a prominent notice on our website

Your continued use of our services after changes become effective constitutes acceptance of the updated Privacy Policy.

Regulatory Information

Rafael Arrieta is licensed as a mortgage loan originator. For licensing information, regulatory inquiries, or to verify our credentials, please visit the Nationwide Mortgage Licensing System (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.

Equal Housing Lender – We comply with all federal and state fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income may be derived from a public assistance program.