1. Introduction
West Capital Lending (“we,” “our,” or “us”), NMLS [NMLS #], is committed to protecting your personal
information. This Privacy Policy explains what data we collect, how we use it, and your rights as a
California resident under the CCPA and CPRA.
2. Information We Collect
Contact Information (name, phone, email, address); Financial Information (income, employment, credit
history, assets, liabilities); Property Information (address, purchase price, loan purpose); Technical
Information (IP address, browser type, device identifiers, pages visited via cookies/analytics);
Communications (text messages, emails, phone call records); Sensitive Personal Information as defined
by CPRA (SSN, government-issued ID, financial account numbers — collected only during loan
application).
3. How We Use Your Information
We use your information to: evaluate and process mortgage loan inquiries and applications;
communicate with you about your loan and options; comply with legal and regulatory obligations;
improve our website and services; send marketing communications (only with consent).
4. SMS / Text Message Data
If you opt in to receive text messages, we collect and process your mobile phone number and message
history. We do not share your SMS opt-in data or consent with third parties for their own marketing
purposes. Your consent to receive SMS messages is not required as a condition of purchasing any
product or service. You may opt out at any time by replying STOP.
5. Information Sharing
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We may share your information with: lenders, wholesale partners, and service providers necessary to
process your loan; third-party vendors providing technology, analytics, compliance, or operational
services (under data protection agreements); credit bureaus and automated underwriting systems;
government agencies as required by law. We do not sell your personal information to third parties for
advertising purposes.
6. Cookies and Tracking Technologies
Our Site uses cookies, pixels, and similar technologies to improve functionality and analyze usage. You
may adjust your cookie settings in your browser. We may use Google Analytics, Facebook Pixel, and
similar tools for marketing analytics; these tools operate under their own privacy policies.
7. CCPA / CPRA Rights (California Residents)
As a California resident, you have the right to: Know what personal information we collect, use, disclose,
and sell; Access a copy of your personal information; Delete your personal information (subject to
exceptions); Correct inaccurate personal information; Opt out of the sale or sharing of your personal
information; Limit use of sensitive personal information; Non-discrimination for exercising your privacy
rights. To exercise these rights, contact us at [EMAIL] or [PHONE].
8. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy
and comply with applicable laws, including mortgage record-keeping requirements.
9. Security
We implement administrative, technical, and physical safeguards to protect your personal information.
No system is completely secure; however, we follow industry-standard practices appropriate for the
sensitivity of the data we process.
10. Children’s Privacy
This Site is not directed to individuals under the age of 18. We do not knowingly collect personal
information from minors.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page
with a revised effective date.
12. Contact Us
West Capital Lending | [Address], Irvine, CA | [PHONE] | [EMAIL] | NMLS [NMLS #]