At LanaLoan.com (“we,” “us,” or “our”), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, www.lanaloan.com (the “Website”), use our services, or interact with us as a mortgage originator. This policy also outlines your rights regarding your personal information.
By using our Website or services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our Website or services.

1. Information We Collect

We collect information about you in the following ways:

a. Information You Provide

We collect personal information you voluntarily provide when you interact with our Website or services, such as when you:

• Complete mortgage application forms or pre-qualification questionnaires.
• Use mortgage calculators or request loan quotes.
• Contact us via email, phone, or contact forms.
• Sign up for newsletters, promotions, or alerts.
• Create an account or log in to access secure areas.

This information may include:

• Personal Details: Name, address, phone number, email address, date of birth, Social Security Number (for mortgage applications), and other identifiers.
• Financial Information: Income, employment details, credit history, bank account information, or other financial data required for mortgage processing.
• Preferences: Information about your mortgage needs or preferences (e.g., loan type, property type).

b. Information Collected Automatically

We use cookies and similar technologies (e.g., pixel tags, web beacons) to collect information about your interactions with our Website. This may include:

• Device and Browsing Information: IP address, browser type, device type, operating system, and browsing behavior (e.g., pages visited, time spent on the Website).
• Usage Data: Interactions with mortgage calculators, forms, or advertisements.
• Location Data: Approximate location based on your IP address or device settings.

For more details, please see our Cookie Policy.

c. Information from Third Parties

We may receive information about you from third parties, such as:

• Credit Bureaus: Credit reports or scores for mortgage eligibility.
• Financial Institutions: Verification of income, assets, or employment.
• Marketing Partners: Information from advertising platforms or lead generation services.
• Public Sources: Information from public records, such as property ownership details.

2. How We Use Your Information

We use your personal information for the following purposes:

• Provide Mortgage Services: Process mortgage applications, pre-qualifications, or loan quotes, and facilitate communication with lenders or financial institutions.
• Personalize Your Experience: Tailor content, loan recommendations, or advertisements based on your preferences and browsing behavior.
• Improve Our Website and Services: Analyze usage data to enhance Website functionality, user experience, and service offerings.
• Communicate with You: Respond to inquiries, send updates about your application, or provide information about mortgage products and promotions.
• Marketing and Advertising: Deliver targeted ads or promotional offers, either directly or through third-party platforms.
• Compliance and Security: Verify your identity, prevent fraud, and comply with legal or regulatory obligations in the mortgage industry.
• Analytics: Use aggregated and anonymized data to understand trends and improve our services.

3. How We Share Your Information

We may share your personal information with the following parties:

• Lenders and Financial Institutions: To process your mortgage application or connect you with loan products.
• Service Providers: Third-party vendors that assist with Website operations, analytics, payment processing, or marketing (e.g., hosting providers, email services, or advertising platforms).
• Credit Bureaus and Verification Services: To assess your creditworthiness or verify your financial information.
• Legal and Regulatory Authorities: When required by law, such as to comply with financial regulations, respond to subpoenas, or protect against fraud.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• With Your Consent: For any other purpose disclosed at the time you provide your information or with your explicit consent.

We do not sell your personal information to third parties for their own marketing purposes without your consent.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze Website performance, and deliver personalized advertising. For detailed information about the types of cookies we use and how to manage your preferences, please see our Cookie Policy.

5. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

As a mortgage originator, we take extra precautions to protect sensitive financial information, such as Social Security Numbers and bank details, in compliance with industry standards and regulations.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal or regulatory obligations.
• Opt-Out: Opt out of targeted advertising, marketing communications, or certain data sharing practices.
• Restriction or Objection: Restrict or object to certain types of data processing, such as automated decision-making.
• Data Portability: Request a copy of your data in a structured, commonly used format.

To exercise these rights, please contact us using the details in Section 10 below. We may need to verify your identity before processing your request.

California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, or disclose and the right to opt out of the sale of your personal information. To opt out, please use the “Do Not Sell My Personal Information” link in the Website footer or contact us.

European Union Residents (GDPR)

If you are in the European Union, you have rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with a supervisory authority. Our legal basis for processing your data includes your consent, the performance of a contract (e.g., mortgage services), compliance with legal obligations, and our legitimate interests (e.g., improving our services).

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including:

• Mortgage Applications: As required by financial regulations, which may mandate retention for several years (e.g., 7 years for tax or compliance purposes).
• Website Usage Data: Typically retained for up to 2 years for analytics purposes, unless anonymized.
• Marketing Preferences: Until you opt out or withdraw consent.

When your information is no longer needed, we securely delete or anonymize it, subject to legal requirements.

8. International Data Transfers

If you are located outside the United States, please be aware that your personal information may be transferred to, stored, and processed in the United States, where our servers and operations are located. We take steps to ensure that international data transfers comply with applicable data protection laws, such as using Standard Contractual Clauses for transfers to or from the European Union.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or industry standards. The updated policy will be posted on this page with a revised “Last Updated” date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us at:

LanaLoan.com

Email: info@lanaloan.com

1650 Spruce Street
Suite 500
Riverside, CA 92507

For more information about our use of cookies, please see our Cookie Policy.

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.