Privacy Policy

Personal Information You Provide

• •Name, email address, phone number, and mailing address when you submit a contact form, apply for a consultation, or create a portal account.
• •Financial information such as home value, mortgage balance, date of birth, and zip code when you use our reverse mortgage calculator.
• •Documents and identification information uploaded through our borrower portal during the loan application process.

Information Collected Automatically

• •Browser type, operating system, device and screen characteristics, language and time zone, IP address, and the approximate city, region, and internet service provider derived from that IP address.
• •A persistent first-party visitor identifier stored in your browser, used to recognize return visits and count how many times you have used our tools.
• •Calculator usage and engagement data, including pages visited during your session, time spent before and after entering information, and how many times you adjusted your inputs.
• •Referral source and marketing attribution data, including campaign parameters (utm_source, utm_medium, utm_campaign, utm_term, utm_content) and advertising click identifiers such as Google's gclid and Meta's fbclid.

We do not use canvas fingerprinting, cross-site tracking, or third-party identity-resolution services. We honor Global Privacy Control signals automatically. Website activity data of this kind is retained for no more than 24 months and then permanently deleted. California residents may request deletion or opt out at any time via Do Not Sell or Share My Personal Information.

• •Loan Processing: To evaluate your eligibility for reverse mortgage products, process applications, and facilitate the lending process.
• •Communication: To respond to your inquiries, provide consultation, and send relevant updates about your loan or application status.
• •Site Improvement: To analyze usage patterns, improve our calculator tools, and enhance the overall user experience.
• •Compliance: To meet regulatory requirements under federal and state lending laws.
• •Marketing: To send educational content and market updates if you have opted in to our newsletter.

We do not sell your personal information. We may share information only in the following circumstances:

• •Service Providers: With trusted third parties who assist in loan processing, underwriting, title services, and appraisals — only as necessary to complete your transaction.
• •Legal Requirements: When required by law, court order, or governmental regulation.
• •Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate protections for your data.

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• •Right to Know: You may request the categories and specific pieces of personal information we have collected about you.
• •Right to Delete: You may request that we delete your personal information, subject to certain exceptions.
• •Right to Opt-Out: You have the right to opt out of the sale of your personal information. We do not sell personal information.
• •Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise these rights, contact us at loans@lendingforliving.com or call (209) 846-9270.

As a financial institution, we are subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal information (NPI) from the following sources:

• •Information you provide on applications and forms.
• •Information about your transactions with us or our affiliates.
• •Information from consumer reporting agencies.

We restrict access to your NPI to employees and service providers who need it to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

We employ industry-standard security measures to protect your personal information, including:

• •SSL/TLS encryption for all data transmitted to and from our website.
• •Row-level security and access controls on all stored data.
• •Audit logging and monitoring for administrative access.
• •Regular security assessments and vulnerability monitoring.

While no method of transmission or storage is 100% secure, we are committed to protecting your data to the highest practical standard.

If you have questions or concerns about this Privacy Policy or wish to exercise your privacy rights, please contact us:

• •Email: loans@lendingforliving.com
• •Phone: (209) 846-9270
• •Address: 121 Rue De Yoe, Modesto CA 95354