Updated: February 6, 2024

This privacy notice for Danny The Loan Officer (“we,” “us,” or “our”), describes how and why we might collect, store, use, and/or share (“process”) your information when you use our services (“Services”), such as when you:

• Visit our website at http://www.dannytheloanofficer.com, or any website of ours that links to this privacy notice
• Engage with us in other related ways, including any sales, marketing, or events

Our Privacy Policy is designed to assist you in understanding how we collect, use and share your personal information and to assist you in making informed decisions when using our website (the “Site”) and our products and services (the “Services”). By using or accessing the Site or Services you consent to our data practices as described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

WHAT INFORMATION DO WE COLLECT?

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

• names
• email addresses
• contact preferences

Sensitive Information. We do not process sensitive information.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

HOW DO WE USE THE INFORMATION THAT WE COLLECT?

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
• To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
• To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see “8. WHAT ARE YOUR PRIVACY RIGHTS?” below.
• To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
• To post testimonials. We post testimonials on our Services that may contain personal information.
• To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
• To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
• To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
• To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.

DATA SHARING

In addition to the primary data use described above (i.e., sharing your data with our Partners for the purpose of providing you with information about the products and services you are seeking), we may share your data as follows: (i) with affiliates of our business; (ii) with service providers who assist us in compliance and verification activities or provide services such as payment processing, IT, email sending, data analysis, and marketing services; (iii) if you choose to send a message through, or contribute to public areas of, this Site (e.g., message boards, blogs); and (iv) with a third party in the event of a sale or transfer of all or part of our business.

We may also disclose your personal information in connection with the Other Legal Uses described above under How Do We Use The Information That We Collect.

THIRD PARTY VENDORS

We also work with vendors and partners in operating and improving the Site. These vendors and partners include advertising and web analytics companies (including Google and Facebook). These partners and vendors use cookies, web beacons and other technologies to collect information about your online activity (e.g., the sites and pages you have visited at the Site and at times other third-party sites) to help manage ad campaigns, understand user interests and trends and deliver personalized content and advertising to you while you are on the Site or on other sites. In addition, some of our service providers (e.g., Facebook and Google) may also use pixel tags to create custom audiences. See Cookies and Other Technologies above for more information about technologies used by our service providers, including custom audience pixels.

Our privacy policy does not cover any use of information that a third-party vendor may collect from you. These companies have their own policies regarding record keeping and data retention. If you would like more information or would like to know your choices about not having this information used by advertising companies, please visit https://www.networkadvertising.org/.

PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD-PARTY VENDORS.

THIRD PARTY SITES

Please remember that when you use a link to go from the Site to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites that have a link on the Site, is subject to that website’s own rules and policies. Please read those rules and policies before proceeding. The inclusion of a link on the Site does not imply endorsement of the linked site by us or by our affiliates.

SECURITY

The security of your personal information is very important to us. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

RETENTION PERIOD

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

USE OF SITE BY MINORS

We do not knowingly collect any information from anyone under 18 years of age. Our Services are directed to and intended for people who are at least 18 years old.

INFORMATION FOR CALIFORNIA CONSUMERS

CCPA Privacy Notice

This section applies only to California residents. Under the California Consumer Privacy Act (CCPA), you have the rights listed below.

The California Code of Regulations defines “residents” as:

• every individual who is in the State of California for other than a temporary or transitory purpose and
• every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose

All other individuals are defined as “non-residents.” If this definition of  “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.

Your rights with respect to your personal data

Right to request deletion of the data — Request to delete

You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to)the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.

Right to be informed — Request to know

Depending on the circumstances, you have a right to know:

• whether we collect and use your personal information;
• the categories of personal information that we collect;
• the purposes for which the collected personal information is used;
• whether we sell or share personal information to third parties;
• the categories of personal information that we sold, shared, or disclosed for a business purpose;
• the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose;
• the business or commercial purpose for collecting, selling, or sharing personal information; and
• the specific pieces of personal information we collected about you.

In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.

Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

We will not discriminate against you if you exercise your privacy rights.

Right to Limit Use and Disclosure of Sensitive Personal Information

We do not process consumer’s sensitive personal information.

Verification process

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.

We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.

Other privacy rights

• You may object to the processing of your personal information.
• You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.
• You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
• You may request to opt out from future selling or sharing of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.

To exercise these rights, you can contact us by email at contact@dannytheloanofficer.com, or by referring to the contact details at the bottom of this page. If you have a complaint about how we handle your data, we would like to hear from you.

UPDATES TO THIS PRIVACY POLICY

We may update or modify this Privacy Policy from time to time. The date of the latest update will be stated at the beginning of this Privacy Policy. If there are material changes to this Privacy Policy or in how we will use your personal information, we will post such changes to the Site. If you do not agree with the changes to how your information will be used, please do not continue to use this Site or Services. Your continued use of the Site or our Services represents your consent to our data practices. Where required by law, we will obtain your consent or provide additional disclosures, to make the changes.

CONTACTING US

If you have any questions or concerns about this Privacy Policy, you may contact us by email at contact@dannytheloanofficer.com.