Information We Collect

We may collect the following categories of information:

• Identifiers & Contact Details: name, email, phone, postal address, IP address, device identifiers.
  
  
• Application/Inquiry Data: loan type of interest, goals, estimated income/assets, documents you upload or provide.
  
  
• Financial/Credit Data (when you choose to provide it online): income, employment, property details; if you proceed with an application, we may receive credit reports/scores from credit bureaus.
  
  
• Internet/Technical Data: pages viewed, time on site, referring URLs, browser type, and cookie IDs.
  
  
• Geolocation (coarse): city/region derived from IP address.
  
  
• Communications: call recordings (with notice), email/SMS content, contact preferences.
  
  
• Inferences: e.g., estimated eligibility or interest in certain products based on the above.
  
  

Sensitive Personal Information (SPI): We collect SPI (e.g., SSN, driver’s license, financial account numbers) only if necessary for your loan application or identity verification. We use SPI solely to provide requested Services, ensure security/compliance, or as required by law.

How We Collect Information

• Directly from you: forms, calls, emails, SMS, document uploads.
  
  
• Automatically: via cookies, pixels, and similar technologies when you browse the Site.
  
  
• From third parties (when you proceed): credit bureaus, verification services, appraisal, title/escrow, employers or payroll providers (with consent), and wholesale lenders.
  
  

How We Use Information

• Provide Services: respond to inquiries, pre‑qualify, process applications, broker loans, coordinate with lenders and vendors.
  
  
• Communicate: send updates about your inquiry/application and customer support.
  
  
• Improve & Secure the Site: analytics, debugging, fraud monitoring, and security.
  
  
• Compliance: legal and regulatory obligations, recordkeeping, fair‑lending monitoring, and audits.
  
  
• Marketing (where permitted): send information about loan options, rates, or events and measure campaign performance. You can opt out anytime.
  
  

Disclosures of Information

We may disclose your information to:

• Service Providers/Processors: IT hosting, analytics, CRM, email/SMS platforms, identity/verification, and document processing—under contracts limiting their use of your data.
  
  
• Transaction Partners: lenders, investors, loan officers, referral real estate professionals, appraisal vendors, title/escrow, and credit bureaus as needed to process a loan.
  
  
• Affiliates: for operational purposes consistent with this Policy.
  
  
• Legal/Safety: to comply with laws or protect rights, property, or safety.
  
  
• Corporate Events: in a merger, acquisition, or asset transfer subject to confidentiality.
  
  

We do not sell your personal information for money. We also do not share personal information for cross‑context behavioral advertising as defined by California law.

Cookies & Analytics

We use cookies and similar technologies to operate the Site, remember preferences, and measure traffic. You can manage cookies in your browser settings. Disabling certain cookies may affect functionality. We do not serve interest‑based ads on our Site.

Retention

We keep information only as long as necessary for the purposes above and to meet legal, regulatory, and audit obligations. Mortgage‑related records are often retained 3–7+ years (or longer if required), after which we securely delete or de‑identify them.

Your Choices & Rights (California)

If you are a California resident and your data is not collected in a GLBA‑covered context, you may have the right to:

• Know/Access the personal information we maintain about you.
  
  
• Correct inaccurate information.
  
  
• Delete certain information.
  
  
• Limit use of Sensitive Personal Information to necessary purposes.
  
  

Because we do not sell or share your personal information for cross‑context behavioral advertising, the “Do Not Sell/Share” right is not currently applicable to our practices.

How to submit a request: Email info@hbre.homes or call 877‑771‑2244. We will verify your identity and respond as required by law. Authorized agents may act on your behalf with appropriate documentation.

Marketing opt‑out: Use the unsubscribe link in emails; reply STOP to SMS; or contact info@hbre.homes.

Communications Consent (TCPA)

By providing a phone number, you agree that HomeBound Lending and its service providers may call or text you (including via autodialer or prerecorded messages) about your inquiry or application. Message/data rates may apply. Consent is not a condition of credit or purchase. Reply STOP to opt out and HELP for help. Calls may be recorded or monitored for quality and training with notice where required.

Children’s Privacy

Our Services are not directed to children under 18, and we do not knowingly collect personal information from them.

Security

We implement administrative, technical, and physical safeguards designed to protect your information, including encryption in transit, access controls, and vendor due diligence. No method of transmission or storage is 100% secure.

Third‑Party Links & Tools

The Site may contain links to third‑party websites or integrate tools operated by others. Their privacy practices are governed by their own policies.

Changes to This Policy

We may update this Policy from time to time. The Effective Date above shows the latest version. Material updates will be posted on this page.

Contact Us

Questions or privacy requests?

📧 info@hbre.homes
📞 877-771-2244

HomeBound Lending — Homebound Real Estate Inc
555 Anton Blvd #150, Costa Mesa, CA 92626