Privacy Policy

This policy describes Ladera Lending, Inc.'s ("Ladera Lending, Inc.," "we," "us," or "our") collection, processing, transfer, and storage of data from visitors to our website at www.laderalending.com and our secure online loan application portal (2012861593.mortgage-application.net) (collectively, the 'Website').This Privacy Policy applies only to data collected on the Website and not to other data collected or processed by Ladera Lending, Inc.

If you are a Ladera Lending, Inc. customer, please see our Consumer Privacy Notice, which we provide to all individual customers, for a comprehensive explanation of how we collect, use, and share personal information and your choices for limiting the use and sharing of your information as our customer.

1. Our Commitment to Your Privacy

This Privacy Policy describes:

• How information about you is collected through our Website;
• How we use and with whom we share this information;
• How you can access and update this information; and
• The choices you can make about how we collect, use, and share your information.

If you have any questions regarding this Privacy Policy or our information practices, please contact us using the information in the Contact Us section below.

2. Information Collected Through Our Website

We collect information from Website visitors and may also obtain information from third parties (including service providers) in the course of providing our mortgage and loan origination services (our "Services"), which we may add to the data we obtain through the Website. Information collected includes:

Personal and Loan-Related Information. You may provide information about yourself, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.

Transactional Information. We may create records of transactions or other events occurring through our Website to (i) enable our Services (e.g., loan document creation, origination, management, and distribution), (ii) enable services provided by third parties (e.g., determinations regarding qualification or interest rates), and (iii) meet our legal obligations.

Device and Usage Information. Like most online services, we collect standard technical information when you use the Website, including IP address, browser type, ISP, the pages/content you view, searches, and timestamps.

Cookies and Other Technologies. We use cookies (session and persistent) and similar technologies (e.g., web beacons) to understand how you interact with the Website, monitor usage, improve and personalize the Website, and assess the effectiveness of our communications. Many browsers allow you to control cookies. Google provides additional options related to Google Analytics at www.google.com/policies/privacy/partners/. We do not respond to "Do Not Track" browser signals at this time.

3. How We Use Information

We and service providers working on our behalf use information collected on our Website to:

Provide our Services. Operate, maintain, enhance, and provide our Website and Services; provide requested services and information; and deliver customer support.

Improve, Analyze, and Personalize. Understand usage trends and preferences; monitor and analyze effectiveness; improve the Website and Services; develop new features; and personalize experiences (e.g., remembering your information).

Communicate with You. Send administrative messages (e.g., customer service, account notices) and, where permitted, marketing or promotional communications relating to our Website and Services. You can opt out of promotional emails as described below.

Aggregate/De-Identified Data. Create aggregated or de-identified data for reporting and analytics (e.g., user interests, usage patterns, trends).

Advertising (Non-Identifiable). Use non-identifiable information to improve the effectiveness of Website advertising and tailor content.

4. How We Share Information

We may share your information as follows:

Service Providers. With third-party service providers who perform services on our behalf (e.g., loan or transaction processing, hosting, development/maintenance, advertising/marketing, analytics). We limit information to what is reasonably necessary and require confidentiality and restricted use.

In Aggregate/De-Identified Form. With third parties for reporting, business, or research purposes.

Compliance and Protection. Where reasonably necessary to: comply with laws, regulations, legal process, or governmental requests; enforce our agreements, policies, and terms; protect the security or integrity of the Website/Services; protect our rights, property, users, or the public; respond to emergencies; or investigate/defend legal claims.

Business Transactions. In connection with or during negotiations of a merger, acquisition, financing, sale of assets, reorganization, bankruptcy, or similar event.

No Third-Party/Affiliate Sharing of Mobile Consent Data for Marketing.
We do not sell or share end-user mobile numbers or SMS consent information with third parties or affiliates for marketing or promotional purposes. All text messaging originator opt-in data and consent are not shared with any third parties. We also do not obtain SMS consent from third parties; SMS consent must be collected directly by Ladera Lending, Inc.

5. Our Policy Concerning Children

The Website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the Website. If we become aware that a child under 13 has provided personal information through the Website, we will delete such information.

6. Privacy Policies of Linked Sites and Advertisers

The Website may contain links to other sites and advertisements linking to their own sites. We are not responsible for the privacy practices or content of such sites. Contact those parties directly with any questions about their practices.

7. Security

We maintain measures designed to protect the security, confidentiality, and integrity of information gathered through the Website. No method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Changes to Our Privacy Policy

We may revise this Privacy Policy from time to time. If we make material changes, we will make reasonable efforts to notify you, such as by email to the primary email address you provided and/or by posting a notice on the Website.

9. Your Choices and How to Access/Update Information

• Account Information. If you are a Ladera Lending, Inc. customer, you may access and update certain personal information by logging into your account.
• Requests. You may contact us at info@laderalending.com to request to review, amend, or delete certain personal information collected by us. We may not be able to delete all information collected via the Website (e.g., where retention is required by law).
• Marketing Emails. You may opt out of promotional emails at any time by using the "unsubscribe" link in those emails. Your opt-out will become effective within 10 days or less.

10. SMS/Text Messaging Disclosures and Your Choices

We offer the ability to receive information via SMS/text messaging.

Consent.
We obtain SMS consent directly from you. Consent is specific to Ladera Lending, Inc. and the program you opt into; it is not bought, sold, shared, or exchanged and does not constitute blanket consent for other brands, affiliates, or campaigns.

Program Disclosures.

• Message and data rates may apply.
• Message frequency will vary.
• Carriers are not liable for delayed or undelivered messages.
• Text HELP for help. Text STOP to unsubscribe/cancel.
• Every initial SMS communication will clearly identify Ladera Lending, Inc. as the sender. Follow-up messages within an ongoing conversation may omit repeated identification.

Opt-Out Process.
If you text STOP, you will be unsubscribed from SMS communications for that program promptly. Please note that transactional or legally required notices may still be sent where permitted or required.

No Third-Party Sharing of Mobile Data.
No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All text message opt-in data and consent will not be shared with any third parties.

SMS Terms.
For additional details, please review our SMS Terms and Terms & Conditions.