Pacific Community Lender (also operating as PCL Home Loan, NMLS #2371435) ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (www.pclhomeloan.com), contact us, complete forms, request mortgage information, or apply for a loan.
1. Information We Collect
A. Information You Provide Directly
- Identifiers: Full name, home address, email, phone number (mobile, home, or work), date of birth, Social Security Number, and government-issued ID details.
- Financial information: Annual income, employment status and history, assets, debts, liabilities, credit history, bank account information, and tax records.
- Property information: Subject property address, estimated value, loan purpose, occupancy type, and transaction details.
- Loan application data: Information submitted through pre-qualification or full loan application forms.
- Communication data: Messages and inquiries submitted through our contact form, email, phone calls, chat widget, or text messages.
B. Information Collected Automatically
- Technical data: IP address, browser type, device type and operating system, referring URL, and time zone.
- Usage data: Pages visited, links clicked, time spent on pages, and navigation paths.
- Cookies and tracking technologies: Session cookies, persistent cookies, pixel tags, and similar tools.
C. Information from Third Parties
- Credit bureaus: Credit reports and scores obtained with your authorization.
- Verification services: Employment, income, and identity verification providers.
- Public records: Property data, assessor records, and title information.
- Referral sources: Information shared by partners or real estate agents who refer you to us.
2. SMS and Text Messaging — Opt-In, Consent, and Your Rights
Important Notice: By providing your mobile phone number and checking the applicable consent box on any of our forms, you expressly consent to receive autodialed or manually dialed marketing and informational text messages (SMS/MMS) from or on behalf of Pacific Community Lender / PCL Home Loan at the mobile number you provide.
A. What You're Consenting To
- Transactional messages: Updates about your loan inquiry, application status, appointment reminders, and document requests.
- Marketing messages: Promotional offers, loan program announcements, rate updates, and relevant mortgage information.
- Customer service messages: Responses to questions you have submitted and follow-up communications.
B. Message Frequency and Rates
Message frequency varies. You may receive up to 4–6 messages per month for marketing purposes, or more frequently for transactional updates related to an active loan application. Message and data rates may apply.
C. How to Opt Out
- Text STOP to any message. You will receive a single confirmation and no further messages will be sent.
- Text HELP for help or additional information.
- Contact us at contact@pclhomeloan.com or (707) 477-6687.
D. No Sharing of SMS Opt-In Data
We do not sell, rent, share, or disclose your mobile phone number or SMS opt-in consent status to any third party for their own marketing purposes. Your consent to receive text messages applies only to communications from Pacific Community Lender / PCL Home Loan. We will never transfer your SMS opt-in data to unaffiliated third parties for their own marketing campaigns.
E. Consent Is Not a Condition of Purchase
Consent to receive SMS marketing messages is not required as a condition of applying for a loan or receiving our services. You may opt out at any time without affecting your ability to work with us.
F. Supported Carriers
Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most major U.S. carriers. Carrier support may vary.
3. How We Use Your Information
- To respond to inquiries and provide mortgage information and guidance.
- To process pre-qualification requests, loan applications, and related transactions.
- To obtain credit reports and verify your identity, income, employment, and assets.
- To match your financial profile with appropriate loan programs and lenders.
- To communicate with you by phone, email, SMS, or mail about your inquiry, application, or our services.
- To send marketing communications where you have consented.
- To comply with federal and state legal and licensing requirements (RESPA, TILA, ECOA, HMDA, GLBA).
- To improve our website, detect fraud, and ensure security.
- To enforce our Terms and Conditions and protect our legal rights.
4. GLBA Financial Privacy Notice
As a licensed mortgage broker, we are subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal financial information ("NPI") to evaluate and process your mortgage loan request.
Sources of NPI
- Applications, forms, and documents you provide
- Your transactions with us and other financial institutions
- Consumer reporting agencies and credit bureaus
- Employment, income, and identity verification services
- Public records and government databases
We may share your NPI with:
- Wholesale lenders, investors, and loan program sponsors (to evaluate, originate, and fund your loan)
- Credit bureaus and consumer reporting agencies
- Service providers (document management, e-signature, CRM, compliance tools, website hosting)
- Regulators, auditors, and government authorities as required by law
- Successor entities in the event of a merger, acquisition, or sale of business assets
We do not sell your nonpublic personal financial information to third parties. We do not disclose NPI to nonaffiliated third parties for their independent marketing purposes except as permitted or required by law.
Your opt-out right: Contact us at contact@pclhomeloan.com or (707) 477-6687 to limit certain sharing for marketing purposes.
5. California Privacy Rights (CCPA / CPRA)
California residents have additional rights under CCPA/CPRA:
- Right to Know: Request disclosure of categories and specific pieces of personal information collected about you.
- Right to Delete: Request deletion of your personal information (subject to legal exceptions).
- Right to Correct: Request correction of inaccurate personal information.
- Right to Opt Out of Sale/Sharing: We do not sell your personal information.
- Right to Limit Sensitive Data Use: Limit use of sensitive personal information (SSN, financial data) to service-necessary purposes.
- Right to Non-Discrimination: We will not discriminate against you for exercising these rights.
To exercise these rights, contact us at contact@pclhomeloan.com or (707) 477-6687. We will respond within 45 days.
6. Cookies and Tracking Technologies
- Essential cookies: Required for website functionality.
- Analytics cookies: Help us understand site usage (Microsoft Clarity, Matomo).
- Marketing/retargeting cookies: Used to serve relevant ads (if applicable).
- Chat widget cookies: Used to power our live chat tools.
You can control cookie preferences through your browser settings or our cookie consent banner.
7. Data Security
We implement and maintain reasonable administrative, technical, and physical safeguards to protect your personal information. These include secure servers, encrypted data transmission (SSL/TLS), access controls, and employee training. No system is 100% secure.
8. Data Retention
We retain personal information as long as necessary to fulfill the purposes described in this policy and comply with legal and regulatory obligations. Loan files are generally retained for a minimum of 3–7 years in accordance with applicable law.
9. Children's Privacy
This website is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.
10. Third-Party Links and Services
Our website may contain links to third-party websites. We do not control or assume responsibility for the privacy practices or content of those sites. We encourage you to review their privacy policies.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page will reflect any material changes. Your continued use of this website constitutes acceptance of the updated policy.