At Equitable Lending, we value and respect your privacy. We are committed to maintaining the confidentiality and security of your personal and financial information, in compliance with federal and state regulations. This Privacy Policy explains how we collect, use, disclose, and protect your information. It applies to all personal and financial data collected in connection with our mortgage services, including loan applications, refinancing, and other services.
This Privacy Policy is in accordance with the Gramm-Leach-Bliley Act (GLBA), Fair Lending Laws, and other applicable federal and state regulations governing the collection and use of consumer information in the mortgage and lending industry.
We collect and maintain personal and financial information for the purpose of providing mortgage-related services, including loan applications, approval, processing, and servicing. This information may include, but is not limited to:
+ Personal Identifiable Information (PII): Name, address, phone number, email address, social security number (SSN), date of birth.
+ Financial Information: Income, assets, liabilities, debts, credit history, and loan-related information.
+ Application Information: Information provided in loan applications, including employment history, income verification, and assets.
+ Bank Statements & Supporting Documents: Financial records used to evaluate your mortgage eligibility.
+ Device and Usage Data: Information such as IP address, browser type, cookies, and usage data when you visit our website.
We use your personal and financial information for several purposes:
+ Loan Processing and Servicing: To assess your eligibility for a loan and process your mortgage application.
+ Compliance: To comply with federal, state, and local laws, including credit reporting and fair lending regulations (e.g., ECOA, RESPA).
+ Marketing Communications: To inform you about new products, promotions, and updates, unless you opt-out.
+ Customer Service: To provide customer support and respond to your inquiries.
+ Business Operations: To manage our business operations and improve our services.
We are committed to safeguarding your personal information. We employ a variety of technical, administrative, and physical security measures to protect your data, including:
+ Data Encryption: Sensitive information, such as personal and financial data, is encrypted during transmission.
+ Access Control: Access to your information is restricted to authorized personnel only.
+ Secure Storage: We store personal and financial information in a secure manner, compliant with industry standards and regulatory requirements.
+ Regular Audits: We conduct regular audits of our security policies and procedures to ensure compliance with all relevant laws and standards.
We do not sell your personal information to any third parties. However, we may share your information with third parties in the following circumstances:
+ Service Providers: We may share your information with third-party vendors or service providers that assist us in the mortgage process (e.g., underwriting, servicing, fraud prevention).
+ Lenders and Financial Institutions: Your information may be shared with our lending partners and financial institutions for the purpose of processing and securing your loan.
+ Legal Compliance: We may disclose information to regulatory agencies, law enforcement, or as required by law, including to comply with Regulation Z (Truth in Lending Act), RESO, and Fair Lending Regulations.
+ Business Transfers: In the event of a business acquisition or sale, we may transfer your information to the new business entity.
We ensure that third parties with whom we share information adhere to privacy protections in line with applicable laws, including the Gramm-Leach-Bliley Act (GLBA).
We do not sell, rent, or trade your personal information to third parties. We will never sell your personal data to advertisers or marketers. Any third parties with whom we share information are strictly necessary to fulfill the purposes outlined in this policy (e.g., to process loans, service your mortgage, or comply with legal obligations).
As a consumer, you have several rights concerning your personal data. These rights include:
+ Right to Access and Correction: You have the right to access the personal information we maintain about you and to request corrections if that information is inaccurate.
+ Opt-Out of Marketing Communications: You can opt-out of receiving promotional communications by following the opt-out instructions in the emails we send or by contacting us directly.
+ Right to Deletion: You may request that we delete your personal information in accordance with applicable laws, although certain information may be retained for legal, compliance, or business purposes.
If you are a resident of California, you have additional rights under the California Consumer Privacy Act (CCPA), which includes:
+ Right to Know: You have the right to request the categories and specific pieces of personal information we have collected about you in the past 12 months.
+ Right to Deletion: You have the right to request the deletion of your personal data (subject to certain exceptions).
+ Right to Opt-Out: You can request to opt-out of the "sale" of your personal information (we do not sell your personal information).
To exercise your rights under the CCPA, please contact us at:
Equitable Lending
Phone: (877) 885-0111
Email: support@equitableusa.com
Fax: (877) 499-3992
Address: 2824 South Robertson Boulevard, Los Angeles, CA 90034
We use cookies and other tracking technologies to improve your experience on our website, including for analytics and advertising purposes. You may choose to disable cookies through your browser settings, but doing so may limit the functionality of certain parts of the website.
Our website may contain links to third-party websites or services. These third-party websites are not covered by this Privacy Policy. We encourage you to review the privacy policies of any third-party websites you visit.
We do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently collected personal data from a child under 13, we will take steps to delete that information as soon as possible.
We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. When we make updates, we will revise the Effective Date at the top of the policy. We encourage you to review this policy regularly.
If you have any questions about this Privacy Policy, or if you wish to exercise any of your rights, please contact us at:
Equitable Lending
Phone: (877) 885-0111
Email: support@equitableusa.com
Fax: (877) 499-3992
Address: 2824 South Robertson Boulevard, Los Angeles, CA 90034