Privacy Policy
Your privacy is important to us. This policy explains how 21st Century Lending collects, uses, and protects your personal information.
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Information We Collect
Personal Information
We collect personal information you provide when applying for mortgage services:
- Contact information (name, email, phone, address)
- Financial information (income, assets, debts, credit history)
- Employment information (employer, position, work history)
- Property information (purchase price, down payment, intended use)
- Government identification numbers (SSN, ITIN)
- Bank statements and financial documents
Automatically Collected Information
- Website usage data (pages visited, time spent, click patterns)
- Device information (IP address, browser type, operating system)
- Location data (general geographic location)
- Cookies and similar tracking technologies
How We Use Your Information
Mortgage Services
- • Processing loan applications
- • Verifying financial information
- • Underwriting and approval decisions
- • Loan servicing and management
- • Compliance with lending regulations
Communication
- • Responding to inquiries
- • Loan status updates
- • Marketing communications (with consent)
- • Educational content and market updates
- • Customer service and support
Legal Compliance
- • TRID compliance and disclosures
- • Fair lending practice adherence
- • Anti-money laundering checks
- • HMDA reporting requirements
- • State and federal regulatory compliance
Website Improvement
- • Analyzing website performance
- • Improving user experience
- • Personalizing content
- • Preventing fraud and security threats
- • Technical troubleshooting
Information Sharing
We Do Not Sell Personal Information
21st Century Lending does not sell, rent, or trade your personal information to third parties for marketing purposes. We only share information as necessary for mortgage services and legal compliance.
When We Share Information
Loan Processing Partners
Lenders, underwriters, credit agencies, appraisers, and title companies involved in your loan transaction.
Service Providers
Technology vendors, document management services, and compliance monitoring tools that help us serve you better.
Legal Requirements
Government agencies when required by law, court orders, or regulatory compliance (CFPB, HUD, state regulators).
With Your Consent
Any other sharing requires your explicit written consent.
California Consumer Privacy Rights (CCPA)
California residents have specific rights regarding their personal information under the CCPA:
Right to Know
What personal information we collect and how it's used
Right to Delete
Request deletion of your personal information
Right to Opt-Out
Opt-out of sale (we don't sell information)
Non-Discrimination
Equal service regardless of privacy choices
Data Security
Encryption
All data transmitted and stored using industry-standard encryption protocols (TLS 1.3, AES-256).
Access Controls
Multi-factor authentication and role-based access ensure only authorized personnel can access your data.
Monitoring
24/7 security monitoring and regular audits to detect and prevent unauthorized access.
Third-Party Services
Credit Reporting Agencies
Experian, Equifax, and TransUnion for credit checks and reporting (with your consent).
Technology Providers
Loan origination systems, document management, and communication platforms with privacy agreements.
Analytics Services
Google Analytics and similar services to understand website usage (anonymized data).
Contact Us About Privacy
Questions about this privacy policy or your data rights? We're here to help.
Response Time
• General inquiries: 24-48 hours
• CCPA requests: 45 days maximum
• Data breach notifications: Immediate
Policy Updates
We may update this privacy policy to reflect changes in our practices or legal requirements. We will notify you of material changes through:
- Email notification (if you're a current client)
- Prominent notice on our website
- Updated "Last Modified" date at the top of this policy
Continued use of our services after changes constitute acceptance of the updated policy.
Questions About Your Privacy?
We're committed to transparency. Contact us directly about your privacy rights and data protection.