Privacy Policy

We respect your privacy and are committed to safeguarding personal information in accordance with this Policy and applicable law. This Policy is designed to meet transparency expectations under applicable state privacy laws, including where applicable the California Consumer Privacy Act (“CCPA”) as amended by the California Privacy Rights Act (“CPRA”), the Colorado Privacy Act (“CPA”), the Virginia Consumer Data Protection Act (“VCDPA”), and similar state frameworks. Depending on where you live, additional rights may apply as described in the State-Specific Disclosures section below.

1. Personal information we collect

We collect personal information that you provide directly, that we automatically collect when you use our Services, and that we obtain from third-party sources as described below. The categories below are illustrative and may not all apply to every user.

1.1 Identifiers

Examples include name, postal address, email address, telephone number, unique online identifiers, IP address, device identifiers, and account credentials (such as username and password when you create or access an account).

1.2 Customer records and contact information

Examples include information you provide when you complete forms, contact us, request support, apply for products, or subscribe to newsletters or marketing communications.

1.3 Financial and application-related information

If you choose to apply for credit or connect with third-party lenders through our Services, we or our partners may collect information necessary to process your request, which may include, for example, income information, employment information, bank account information, Social Security number or other government identification number where permitted and requested by a lender partner under applicable law, and credit-related information. Collection and use of such information is governed by this Policy, the lender’s privacy policies, and applicable financial privacy laws such as the Gramm-Leach-Bliley Act (“GLBA”) where applicable.

1.4 Internet or other electronic network activity

Examples include browsing history on our Services, search history, interactions with our emails and advertisements, referring/exit pages, date/time stamps, clickstream data, and other diagnostic data.

1.5 Geolocation data

We may derive approximate general location from IP address or device settings. If you enable precise location features in APPNAME, we may collect more precise location information as disclosed at the time of collection and subject to your device permissions.

1.6 Commercial information

Examples include records of products or services you considered, obtained, or purchased through our Services, and preferences related to offers.

1.7 Inferences

We may derive inferences from the information identified above to create a profile reflecting preferences, characteristics, predispositions, behavior, or attitudes.

1.8 Sensitive personal information (where applicable)

Certain laws define categories of “sensitive” personal information (for example, precise geolocation, racial or ethnic origin, or financial account information in certain contexts). We collect sensitive personal information only where permitted by law and with any required notice and consent, and we use or disclose it only for permitted purposes consistent with applicable law.

1.9 Information about minors

Our Services are not directed to children under 13 years of age (or the age required by applicable law), and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us using the information below and we will take appropriate steps to delete the information where required by law.

2. Sources of personal information

We collect personal information from the following categories of sources:

• You directly, when you submit forms, create an account, communicate with us, or use APPNAME.
• Automatically, through cookies, pixels, web beacons, SDKs, log files, and similar technologies when you interact with our Services.
• Third parties, including service providers, analytics partners, advertising networks, data brokers, social media platforms (if you connect or interact with us), and fraud-prevention partners.
• Joint marketing or financial partners, including lenders who originate or service loans you request through our Services, where permitted by law and contract.

3. Purposes for which we use personal information

We use personal information for the following business and operational purposes:

• Providing the Services, including account creation, authentication, customer support, processing applications, facilitating connections with lenders, and delivering features and functionality.
• Security and fraud prevention, including detecting, preventing, and responding to security incidents, fraud, abuse, and illegal activity.
• Analytics and improvement, including understanding how users interact with our Services, improving performance, usability, and product design, and conducting research and development.
• Marketing and advertising, including sending promotional communications (subject to consent where required), measuring campaign effectiveness, and creating audiences for advertising (including cross-context behavioral advertising where permitted and subject to your choices).
• Compliance and legal obligations, including complying with applicable law, responding to lawful requests from public authorities, enforcing our Terms of Use, and protecting our rights and the rights of others.
• Corporate transactions, including evaluating or completing a merger, acquisition, sale of assets, or insolvency proceeding.

We do not use personal information for purposes that are materially incompatible with those described above without providing you with appropriate notice and, where required, obtaining your consent.

4. How we disclose personal information

We may disclose personal information to the following categories of recipients:

• Service providers and contractors who perform services on our behalf (for example, hosting, data storage, analytics, email delivery, customer support, fraud prevention, and payment processing). We prohibit service providers from using personal information for any purpose other than providing services to us, subject to applicable law.
• Advertising and marketing partners to deliver and measure advertising on our behalf or to assist with cross-context behavioral advertising where permitted.
• Financial partners, including lenders who originate or service loans, and their service providers, where necessary to facilitate your request or application.
• Professional advisors, including auditors, lawyers, and insurers, where necessary.
• Law enforcement, regulators, and other parties for legal reasons, including where we believe disclosure is necessary to comply with law, to respond to lawful requests, or to protect rights, safety, and property.
• Successors in interest in connection with a merger, acquisition, financing, or sale of assets.
• With your direction or consent, where you request or authorize disclosure.

5. “Sale,” “sharing,” and targeted advertising

Certain laws define “sale” broadly to include disclosures of personal information to third parties for monetary or other valuable consideration, and define “sharing” as disclosures for cross-context behavioral advertising. Depending on your jurisdiction and the nature of our activities, some of our disclosures (including to advertising partners) may constitute “sales” or “sharing” under those laws.

We provide mechanisms for California residents to opt out of sales/sharing as described in our “Do Not Sell or Share My Personal Information” processes and on our Do Not Sell page. If you opt out, we will not sell or share your personal information as defined by applicable law, subject to verification and exceptions.

6. Cookies and similar technologies

We and our partners use cookies, web beacons, pixels, local storage, scripts, and SDKs to collect information about your interactions with our Services and emails. You can control cookies through your browser settings, device settings, and opt-out tools provided by industry partners. For more information, see our Cookie disclosures (if any) linked from this Policy or as presented in our cookie banner or preference center.

7. Security

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or destruction. However, no method of transmission over the Internet or electronic storage is guaranteed to be 100% secure. You are responsible for maintaining the confidentiality of your credentials and for notifying us of any suspected unauthorized access.

8. Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required or permitted by law. Factors we consider include the nature and sensitivity of the information, the potential risk of harm from unauthorized use, and legal and regulatory obligations (including record-keeping and audit requirements).

9. Your privacy rights

Depending on your state of residence and subject to verification and exceptions, you may have the right to:

• Know the categories and specific pieces of personal information we have collected about you.
• Request deletion of personal information we collected from you.
• Request correction of inaccurate personal information.
• Opt out of the sale or sharing of personal information for cross-context behavioral advertising.
• Limit the use of sensitive personal information in certain circumstances.
• Obtain a portable copy of certain personal information in a portable format.
• Appeal a decision we make regarding a rights request (where applicable).

We will not discriminate against you for exercising your privacy rights. To submit a request, you may email us at support@alamedahomeloans.com or use the contact methods described in the Contact section below. We may need to verify your identity before fulfilling your request.

10. State-specific disclosures

10.1 California residents

If you are a California resident, the CCPA/CPRA provide additional rights and require additional disclosures. We do not sell personal information of individuals we know are under 16 years of age without affirmative authorization. If we offer financial incentives or loyalty programs that materially relate to the collection or retention of personal information, we will provide separate terms where required.

10.2 Colorado residents

If you are a Colorado resident, you may exercise rights under the CPA as described above, including an appeal process if we deny your request. You may designate an authorized agent to submit requests on your behalf where permitted by law and with appropriate verification.

10.3 Virginia residents

If you are a Virginia resident, you may exercise VCDPA rights as described above, including the right to opt out of targeted advertising, sales, and profiling in furtherance of decisions that produce legal or similarly significant effects where applicable.

Additional state laws may apply. If you reside in [STATE-PLACEHOLDER] or other jurisdictions, we will update this Policy as required to reflect additional obligations.

11. International users

Our Services are intended for users located in the United States. If you access our Services from outside the United States, you understand that your information may be processed in the United States. If you are located in the European Economic Area, United Kingdom, or Switzerland, additional legal bases and transfer mechanisms may apply where we process such data; contact us for details.

12. Third-party links and services

Our Services may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of third parties. We encourage you to read their privacy policies before providing information.

13. Changes to this Privacy Policy

We may update this Policy from time to time. If we make material changes, we will provide notice as required by law, which may include posting a revised Policy on this page, updating the effective date, and/or sending you an email or in-app notice. Your continued use of the Services after the effective date constitutes your acknowledgment of the revised Policy.

14. Contact us

If you have questions about this Policy or our privacy practices, or if you wish to exercise privacy rights, please contact us:

ALAMEDA HOME LOANS LLC
3033 Oro Blanco Dr
Colorado Springs, CO 80917-3733
United States
Email: support@alamedahomeloans.com
Phone: (724) 401-4783

For California residents, you may also contact the California Attorney General’s office at https://oag.ca.gov.