This Privacy Policy describes how “Coastal Pacific Lending”, “Coastal Pacific Lending Inc, a Non Independent Escrow Company”, our affiliates, and subsidiaries (“COASTAL PACIFIC LENDING INC.”) collects, stores, uses, shares, and secures your personal information when you use our website and when you apply for or obtain a financial product or service with COASTAL PACIFIC LENDING INC.

Information We Collect

If you apply for a loan, we may collect personal information about you including your:Personal identifiers such as your name, contact details, social security number.

Professional or employment-related information.

Commercial and financial information such as your loan details and payment history; and,

Information about your preferences and needs to customize your service offerings and user experience.

We collect this information from the following sources:From you on applications and other forms.

Our affiliates and business partners; and

Consumer reporting agencies.

How We Use Your Information

When you apply for a mortgage loan with COASTAL PACIFIC LENDING INC., we use your personal information:For our normal business purposes.

To learn how to improve our products and services; and,

To provide you with information about relevant advertisements, promotions, or incentives.

For more additional information about how we may use or disclose your information please see our US Financial Privacy Notice.

We take every effort to effectively implement business practices and technical safeguards to protect your personal information.

Cookies

Our website uses cookies, tags, and similar tracking technologies to improve functionality, and monitor site activity, remember who you are, and customize your user experience. These include our own first-party cookies as well as the third-party cookies of our business and marketing providers.

Types of Cookies

Our website uses cookies, tags, and other tracking technologies for the following reasons:

Security: We use cookies to help detect fraud and abuse, including malicious attempts to access an account without authorization.

Customized Experience: We collect information about how you interact with the website so that we can tailor your experience based on what is most relevant to your interests.

Advertising: We use cookies to track collect and provide information about your preferences or needs to direct relevant advertising to you, and to help us understand whether that advertising is successful or ineffective. These cookies also help limit the number of times a user is shown the same advertisement.

Analytics: We use cookies to gather usage and performance data about the website.

Disclosure & Terms of Use

These “Terms of Use” govern your access and use of all websites owned by Coastal Pacific Lending, its affiliates, and subsidiaries (as used here “Coastal Pacific Lending” refers to Coastal Pacific Lending Inc, its affiliates and subsidiaries, jointly and severally).

Acceptance of Terms

By referencing, using, or accessing websites owned by Coastal Pacific Lending Inc., you agree to these “Terms of Use”, including agreeing to indemnify and hold harmless Coastal Pacific Lending from all claims of any nature. These “Terms of Use” may be changed at any time at the sole discretion of Coastal Pacific Lending.

Products and Services

Trademarks, service marks and logos used on websites owned by Coastal Pacific Lending, registered, and unregistered, are subject to United States trademark law. You may not copy, reproduce, modify, store, transmit, or distribute any part of intellectual property, trademarks, service marks or logos found on websites owned by Coastal Pacific Lending without specific written consent from Coastal Pacific Lending.

Limitation of Liability

Coastal Pacific Lending Inc. may provide links to or from other web sites that Coastal Pacific Lending Inc. does not have control over. If you follow links to sites not affiliated or controlled by Coastal Pacific Lending, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our site. Coastal Pacific Lending does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You agree that Coastal Pacific Lending is not responsible for any liability resulting from the access or use of sites not owned by Coastal Pacific Lending.

Monitoring

Coastal Pacific Lending Inc. reserves the right to monitor your access and use of its websites without notification to you. Coastal Pacific Lending Inc. may record or log your use in a manner as set out in Coastal Pacific Lending Inc.’s Privacy Policy.

Indemnification

By linking, referencing, using, or accessing websites of Coastal Pacific Lending Inc., you agree to these “Terms of Use”, including agreeing to defend, indemnify and hold harmless Coastal Pacific Lending Inc., its officers, directors, employees, agents, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these “Terms of Use”.

Limitation of Liability

IN NO EVENT SHALL COASTAL PACIFIC LENDING INC., ITS AFFILIATES, SUPPLIERS, PARTNERS, LICENSORS, INTEGRATORS OR CONTENT PROVIDERS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE WITH RESPECT TO THE SERVICE OR THE SUBJECT MATTER OF THIS AGREEMENT UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, FOR ANY LOSS OF PROFITS, REVENUE FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION); OR FOR ANY MATTER ARISING FROM YOUR BREACH OR NEGLIGENCE, OR BEYOND COASTAL PACIFIC LENDING’S REASONABLE CONTROL. THE FOREGOING PROVISIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of Coastal Pacific Lending is limited to the greatest extent permitted by law.

Governing Law; Severability

These “Terms of Use” are governed by the laws of the State of California with jurisdiction and venue being in Orange County, California. You agree that you are referencing, using, or accessing websites of Coastal Pacific Lending Inc. constitutes your acceptance of the jurisdiction of State or Federal courts in Orange County, California and that legal action may be brought against, or by, you must be brought in State or Federal courts in Orange County, California. In the event any of the provisions of these “Terms of Use” shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.

To view Coastal Pacific Lending’s US Financial Privacy Notice, please click here.

California Privacy Act Disclosure

Most of the information Coastal Pacific Lending Inc., our affiliates, and subsidiaries (“COASTAL PACIFIC LENDING INC.” or “we”) collect, process, or disclose is governed by the Gramm-Leach-Bliley Act, California Financial Information Privacy Act, and other applicable financial protection laws. You can learn more about your rights contained within those laws and the categories of information we collect by visiting our US Financial Privacy Notice.

In limited circumstances, we may collect information that identifies, describes, or is reasonably capable of being associated with you that is not subject to financial protection laws. Non-financial Information does not include publicly available information in government records or any data that has been deidentified, aggregated, or otherwise anonymized.

The Right to Request More Information

For Non-Financial Information, you may have the right to request more information from us including:

The categories of personal information we collected about you.

The categories of sources from which we collected that information.

Our business or commercial purpose for collecting that information.

The categories of third parties with whom we shared that information; and

The specific pieces of personal information we collected about you.

The Right to Request Access

For Non-Financial Information, you also may have the right to request access to your personal information.

The Right to Request to be Deleted

For Non-Financial Information, you may have the right to request that we delete your personal information. Please note that simply logging out or uninstalling an app does not delete your account or your personal information.

How to Exercise these Rights

To submit a request to exercise rights over your Non-Financial Information, you may contact us at (888) 214-8618

Verification

Before we can respond to your request, we first must verify your identity using your personal information. If we are not able to verify your request we will contact you for more information. If we are unable to verify your identify after a good faith attempt, we may deny the request and, if so, will explain the basis for the denial.

Designating an Authorized Agent

You may designate someone to submit requests and act on your behalf (an “Authorized Agent”). To do so, you must provide us with written permission to allow your Authorized Agent to act on your behalf.

Process

We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

Do Not Track Requests

As more fully described in our Privacy Policy, we use cookies to collect information about your internet activity to help us provide you with relevant advertisements, incentives or offers. Some web browsers or smartphones can aset “Do Not Track” requests to block user activity from being tracked across web pages or devices. Our website and apps do not recognize “Do Not Track” signals.

Third-Party Marketing and Selling

We do not provide your Non-Financial Information to third parties for their direct marketing purposes. Nor do we intend to sell your Non-Financial Information to third parties without providing you notice and an opportunity to opt out.

No Discrimination

We will not unlawfully discriminate against you for exercising any of these rights.

Question or Concerns

Should you have any questions or concerns regarding this Disclosure, please contact us at privacy@52.11.251.171.

Changes to our Privacy Policy

When we make changes to this policy, we will take reasonable efforts to notify you including by making them immediately available to you on this website (coastalpacificlending.com). If you have a question or would like more information, contact us at privacy@52.11.251.171.