This Privacy Policy governs the data collection and privacy practices of ValorLending.com (“Valor Lending,” “we,” “us,” or “our”), detailing how your Personally Identifiable Information (PII) and mobile data are collected, used, protected, and processed across our website, services, and communications.

1. Personal Information We Collect

When visiting our website, submitting an inquiry, or applying for loan services, you may be asked to enter personal information to support your transaction and user experience, including:

• Full name, email address, mailing address, and phone/mobile number.
• Social Security number, income details, credit information, or other financial documentation required for loan pre-qualification and processing.
• User preference data, site interaction history, and inquiry details.

2. When We Collect Information

We collect information when you fill out a form, request a rate quote, apply for a loan, subscribe to a newsletter, respond to a survey or marketing communication, engage in live chat, or enter information on our site.

3. How We Use Your Information

We use the information collected from you to:

• Process loan inquiries, transactions, and applications efficiently.
• Provide updates regarding your loan status or account inquiries.
• Follow up after correspondence via live chat, email, text message, or phone.
• Administer promotions, surveys, or other website features.
• Ask for ratings and reviews of our mortgage services.

4. SMS & Mobile Communications Privacy Policy

Valor Lending provides SMS text messaging services to communicate regarding loan inquiries, application updates, rate updates, and client service notifications.

• Opt-In & Consent: By providing your mobile phone number through our website forms, applications, or direct contact, you consent to receive text messages from Valor Lending. Consent for SMS communication is not required as a condition of purchasing any property or service.
• Strict Mobile Data Non-Sharing Policy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with or sold to any third parties.
• Opt-Out Instructions: You can opt out of SMS communications at any time. To stop receiving text messages, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text message you receive from us.Once you reply STOP, you will receive one final message confirming your opt-out.
• Customer Support (Help): For assistance via text message, reply HELP to any message, or contact our team directly at (619) 344-2640 or dcarlin@valorlending.com.
• Rates and Frequency:Message and data rates may apply depending on your mobile carrier and plan.Message frequency varies based on your loan transaction status and inquiries.

5. How We Protect Your Information

We maintain strict security safeguards to ensure the safety of your sensitive personal data:

• Regular Malware Scanning is performed on our systems.
• We do not perform routine PCI standard vulnerability scans, as financial transactions and credit card processing are handled entirely through secured gateway providers and are not stored or processed on our servers.
• Sensitive and credit information is encrypted via Secure Socket Layer (SSL) technology.
• Personal information is contained behind secured networks and accessible only by a limited number of authorized personnel who have special access rights and are bound by legal confidentiality obligations.

6. Use of Cookies

Cookies are small files transferred to your computer’s storage through your web browser (if permitted) that enable our systems to recognize your browser and capture specific preference data.

We use cookies to:

• Understand and save user preferences for future visits.
• Compile aggregate data regarding website traffic and interactions to improve site tools and overall user experience.
• Engage trusted third-party analytical services that track this traffic on our behalf.

You can modify your browser settings to warn you each time a cookie is sent or to disable cookies entirely. If you turn off cookies, some website features that optimize your site experience may not function properly.

7. Third-Party Disclosures & Links

We do not sell, trade, or transfer your Personally Identifiable Information to outside parties for marketing purposes. This does not include web hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information strictly confidential. We do not host or offer third-party products or services on our website.

8. Google Services

We have not enabled Google AdSense on our website, but reserve the right to do so in the future in accordance with Google’s Advertising Principles.

9. California Online Privacy Protection Act (CalOPPA)

In compliance with CalOPPA:

• Users may visit our site anonymously.
• A direct link to this Privacy Policy containing the word “Privacy” is located on our homepage and primary navigation areas.
• Users will be notified of any Privacy Policy changes on this Privacy Policy page.
• Users can update or modify their personal information by emailing us, calling us, or logging into their account.

10. Do Not Track (DNT) Signals & Tracking

We honor Do Not Track (DNT) signals. We do not plant cookies, track user behavior, or utilize targeted advertising when a DNT browser mechanism is activated. We do not allow third-party behavioral tracking on our website.

11. Children’s Online Privacy Protection Act (COPPA)

We do not specifically market to children under the age of 13, nor do we knowingly collect or permit third parties to collect PII from children under 13.

12. Fair Information Practices & Breach Notification

Should a data breach occur affecting personal information, we will take the following responsive actions in accordance with Fair Information Practice Principles:

• Notify users via an in-site notification within 7 business days.
• Adhere to the Individual Redress Principle, ensuring individuals have legally enforceable rights against non-compliant data collectors and processors.

13. CAN-SPAM Act Compliance

We collect your email address to send transactional updates, answer inquiries, provide relevant mortgage rate updates, and manage client communications.

To comply with CAN-SPAM requirements:

• We will never use false or misleading subject lines or sender email addresses.
• We will identify commercial messages as advertisements where appropriate.
• We will include the physical address of our business headquarters.
• We will monitor third-party email marketing platforms for compliance.
• We will honor opt-out and unsubscribe requests promptly.
• Every commercial email will include a clear unsubscribe link at the bottom.

To unsubscribe from future email communications at any time, follow the instructions at the bottom of any email or email us directly at dcarlin@valorlending.com.

14. Contact Information

If you have questions regarding this Privacy Policy or your personal data preferences, please contact us:

Valor Lending
350 10th Ave
San Diego, CA 92101
Email: dcarlin@valorlending.com
Phone: (619) 344-2640