Secure Choice Lending Privacy Policy

Secure Choice Lending, a California corporation (“SCL,” “we,” “us,” or “our”), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect personal information across our mortgage services, website, CRM systems, marketing platforms, AI tools, referral partner tools, and promotional campaigns.

1. Scope of This Policy

This policy applies to:

• Website visitors
• Mortgage applicants, borrowers, and co-borrowers
• Leads and prospective customers
• Referral partners (including real estate agents and brokers)
• Users of SCL platforms, CRM systems, and tools
• Participants in promotions, sweepstakes, and giveaways

2. Categories of Personal Information We Collect

3. Sources of Information

• You directly (forms, applications, communications)
• Automated technologies (cookies, tracking pixels, analytics tools)
• Advertising platforms (Google, Meta/Facebook, LinkedIn)
• Third parties (credit bureaus, verification services, service providers)
• Referral partners and CRM/marketing platforms

4. How We Use Personal Information

• Mortgage origination, underwriting, and servicing support
• Communicating about loan applications and transactions
• Marketing, advertising, and drip campaigns
• CRM automation, lead nurturing, and AI-assisted outreach
• Fraud detection, security, and legal/regulatory compliance

5. AI and Automated Communications

SCL uses AI, machine learning, and automated systems for communications. This includes AI-generated emails and automated SMS. You may opt out of marketing at any time.

5A. AI-Assisted Lending Support

Human Oversight: AI tools assist human decision-makers. Final lending decisions are reviewed by qualified SCL personnel and are not made solely by automated systems.

Requests for Review: If you receive an adverse action notice, you may request a review by a human representative or request correction of information by contacting us.

6. Sharing and Disclosure of Information

We disclose data to Service Providers (CRM, storage, AI), Advertising platforms (Google, Meta), Lending participants (investors, underwriters), and Referral partners (for transaction coordination). We do not sell personal information for monetary compensation.

7. CRM and Referral Partner Access

Referral partners can only view their own leads. Access to tools is for business support and is not conditioned on the referral of business.

8. User-Generated Content and Platform Activity

User Content (images, text, materials) may be reviewed for support, troubleshooting, and improving platform functionality. Access is limited to authorized personnel.

9. Marketing, Email, SMS, and Automated Communications

SMS: Message frequency varies. Msg/data rates apply. Reply STOP to opt out. Consent is not required to obtain a loan. We verify third-party leads for valid consent before outreach.

10. Giveaways, Promotions, and Financial Incentives

Entry does not require purchase; marketing opt-in is optional. Personal information is used to administer the promotion.

11. Your Privacy Rights

You have the right to access, correct, or request deletion of personal information. Contact us at info@securechoicelending.com to exercise these rights.

12. California Privacy Rights (CPRA)

California residents may know, delete, correct, and opt out of “sharing” for advertising. SCL does not discriminate against those exercising these rights.

13. Data Retention

Mortgage data is retained for 3–7+ years as required by law. CRM data is retained during active business relationships.

14. Data Security

We implement encryption, access controls, and safeguards. You are responsible for maintaining the confidentiality of your account credentials.

15. Third-Party Links

We are not responsible for the privacy practices of third-party websites.

16. Updates to This Policy

We may update this policy periodically. Changes will be posted here with a revised effective date.