Online Privacy Policy

This Online Privacy Policy (“Policy”) is provided by WeLoan, a DBA of Sharp Loan, Inc. (“WeLoan,” “Sharp Loan,” “we,” “us,” and “our”) and applies to all Internet websites we operate or through which we collect personal information.

This Policy describes what personal information we collect, how we use it, and how we may share it about individuals (“you” and “your”) who visit or use our website and any other WeLoan or Sharp Loan branded websites, social media pages, or mobile applications that link to or reference this Policy (collectively, our “Sites”), as well as information collected outside of our Sites where this Policy is made available.

We will not collect additional categories of personal information about you, and we will not use your personal information for materially different, unrelated, or incompatible purposes, except as set forth below or in our Consumer Privacy Notice (if applicable), without first providing you notice as required by law.

To learn more about nonpublic personal information we collect, use, and share about consumers who obtain or request financial products and services from us primarily for personal, family, or household use, please refer to our Consumer Privacy Notice.

Please note that we do business in the United States only and that our Sites are intended for United States audiences only. Any information you provide through our Sites will be processed in the United States.

Personal Information We Collect

As used in this Policy, “personal information” includes information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. Personal information does not include publicly available information or information that has been de-identified or aggregated such that it cannot reasonably be linked to a specific individual or household.

We may collect the following categories of personal information when you apply for a product or service from us, submit an inquiry, complete a form on our website, or otherwise interact with us:

• Identifying information: including, for example, your full name, address, phone number, email address, date of birth, Social Security number, government-issued identification number, residency status, signature, account numbers, security questions, username, and password.
• Financial information: such as your occupation, employment history, self-employment information, income, debts, taxes, living expenses, credit score, credit history, housing status, bank accounts, investments, real property, and other assets.
• Commercial information: including information about products or services you request or obtain through us, such as loan amount and terms, credit decision, property address, payment history, loan status, and loan number.
• Protected classifications: under California or federal law, such as race, ethnicity, sex, marital status, and age, where collected or disclosed in connection with lending-related requirements.
• Audio, electronic, and visual information: including telephone messages, recorded conversations where permitted by law, information submitted electronically through online forms or applications, electronic signatures, and photo identification.
• Education information: for example, the number of years of education completed when relevant to a request or application.
• Inferences: including inferences drawn from the information above, such as creditworthiness, ability to repay a loan, and likelihood of qualifying for loan products in the future.

We may also collect limited website usage and technical information, such as IP address, browser type, device information, pages visited, form activity, and similar network activity data through cookies, analytics tools, advertising tools, and other technologies used to operate, secure, and improve our Sites and marketing efforts.

How We Use Personal Information

We may use personal information for business and commercial purposes, including to:

• Respond to your inquiries and communicate with you about your request.
• Process applications and provide mortgage-related products and services.
• Verify identity and prevent fraud or unauthorized activity.
• Operate, maintain, secure, and improve our Sites, systems, and services.
• Perform analytics, measure ad performance, and improve user experience.
• Contact you by phone, email, and text message where you have provided consent or where otherwise permitted by law.
• Comply with legal, regulatory, investor, and compliance obligations.

Text Messaging Privacy Policy

If you provide your mobile phone number and consent to receive SMS or text messages from us, WeLoan may send you text messages related to your inquiry, loan application, account updates, appointment reminders, customer care, and, where permitted by your consent, marketing and promotional communications related to mortgage products and services.

Message frequency may vary. Message and data rates may apply. You may opt out of text messages at any time by replying STOP. For assistance, reply HELP.

Consent to receive text messages is not a condition of purchase or a condition of obtaining a loan, goods, or services from WeLoan.

We use service providers and platforms that help us deliver SMS communications and maintain messaging records. However, mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

How We Share Information

We may share personal information with service providers, vendors, technology platforms, compliance partners, and other parties that perform services on our behalf, such as website hosting, analytics, CRM systems, loan processing, marketing support, communications delivery, and fraud prevention, subject to applicable legal and contractual restrictions.

We may also disclose information as required by law, regulation, court order, legal process, audit, or examination, and as otherwise permitted in connection with mortgage origination, servicing, secondary market activity, and related business operations.

Your Choices

You may choose not to provide certain personal information, but doing so may limit your ability to use certain features of our Sites or request products and services from us.

You may opt out of marketing emails by following the unsubscribe instructions in those communications. You may opt out of text messages by replying STOP to any SMS message you receive from us.

Updates to This Policy

We may update this Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we do, we will update the “Last Updated” date above.

Contact Us

If you have questions about this Online Privacy Policy or our privacy practices, please contact WeLoan through the contact information provided on our website.