Privacy Policy

Optimal Lending Inc.
NMLS ID: 1562188
DRE License: 02212555

Introduction

Optimal Lending Inc. ("we," "our," "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.optlending.com, fill out our forms, or use our services. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.

Information We Collect

We may collect and process the following data about you:

1. Personal Identification Information: Name, address, email address, phone number, date of birth, Social Security number, and other similar information.
2. Financial Information: Bank account details, income, credit history, employment details, and other financial information necessary for loan processing.
3. Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
4. Usage Data: Information about how you use our website, products, and services.

How We Use Your Information

We use the information we collect in the following ways:

1. To Provide and Improve Our Services: To process your loan applications, manage your account, and deliver the services you have requested.
2. Communication: To contact you with information about your application, updates, or promotional offers.
3. Compliance and Protection: To comply with legal obligations, enforce our terms and conditions, and protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others.
4. Analytics: To monitor and analyze trends, usage, and activities in connection with our services.

Data Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to outside parties, except in the following circumstances:

1. Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as processing loan applications and performing credit checks.
2. Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
3. Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure.

Your Data Protection Rights

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

1. Access: The right to request copies of your personal data.
2. Rectification: The right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
3. Erasure: The right to request that we erase your personal data, under certain conditions.
4. Restrict Processing: The right to request that we restrict the processing of your personal data, under certain conditions.
5. Object to Processing: The right to object to our processing of your personal data, under certain conditions.
6. Data Portability: The right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the privacy practices of such websites. We encourage you to review the privacy policies of each website you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Optimal Lending Inc.
Email: david@optlending.com
Phone: (213) 616-9060
Address: 5471 Kearny Villa Rd, Ste 310, San Diego, CA 92123

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