This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

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Our Privacy Commitment:

• We do not sell your information.

• We share your information with certain employees and with companies providing services on our behalf in order to service your needs

• Our privacy policy applies to potential customers as well as current and former customers.

 

Security of Data

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The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Information We Collect About You

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We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

• Email address;

• First name and last name;

• Phone number;

• Address, State, Province, ZIP/Postal code, City;

• Social Security Number;

• Employment information;

• Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business.

 

Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, through our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.

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We will use this information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters to assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending process such as:

• Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification

• Enabling our affiliates and partners to communicate with you about the loan settlement process and related services

 

In addition, we gather names and email addresses of people who contact us through our website with questions about our company or lending operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people.

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We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications from Our Site

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When you submit an application and/or create a profile on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses, and confirmation of successful submissions of loan requests. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your personal information.

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Links to Other Websites

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Our Service may contain links to other websites or mobile applications that are not operated by us. If you click a third-party link, you will be directed to that third party’s website or mobile application. We strongly advise you to review the Privacy Policy of every website you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites, mobile applications or services.

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Sharing Information with Companies That Provide Services for Us

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We share personally identifiable information about you, as required or permitted by law, with third parties, such as service providers who assist us in the in the administration, processing, servicing, and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, real estate companies, fraud detection services, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personally identifiable information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

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California Do Not Track Notice

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Website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that allow you to choose regarding the collection of personal information about your online activities over time and across third party websites, to the extent the operator engages in that collection. We do not track your personal information over time and across third-party websites and, therefore, this requirement does not apply to us. Website and online service operators must also disclose whether third parties may collect personal information about your online activities over time and across different websites when you use the operator’s website or service. Third parties that have content or services on our website such as a social feature, analytics service, or an advertising partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our website unless you directly provide it to us and we provide it to them with your consent.

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Compliance with State and Federal Laws

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This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on your collective activities. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

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Link to Other Sites

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We may offer links to partner’s sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled or to facilitate your more effective use of our website, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy and may have different privacy policies or approaches to the handling of information. Optrumax has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them any of your personal information.

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Changes to Our Privacy Policy

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We may make changes to our privacy policy in the future. We will post any changes to our privacy policy to this site. We encourage you to periodically review our privacy policy.

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Contacting Us

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If you have any questions about this privacy policy, please write us at:

Optrumax

15 Sunset Circle

Westminster, CA 92683

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Effective Date of this Policy: 01/19/2023