pertain to you as a user of our system.
“You” or “Your” means you, a participant in or as a user of the Pacifica Lending
“We” or “Our” or “Us” means Pacifica Lending. “Our Website” also means
All information transmitted, printed or otherwise submitted to Pacifica Lending
through this Website remains your property; however, Pacifica Lending will be free to
use that information for any lawful purpose as detailed below.
This Website contains links to other websites. Pacifica Lending is not responsible for
the privacy practices or the content of such sites.
Pacifica Lending automatically collects and/or tracks the following information:
- Information knowingly provided by you through online forms, registration forms such as your
name, street address, e-mail address, telephone number (home, work and mobile), date of birth,
information relating to monthly income, employment information, and other personal, financial
or demographic information (collectively, “Sensitive Information”);
- Web page http headers (home server domain names, IP address, type of client computer, type
of Web browser and operating system);
- Information (user-specific or aggregate) concerning the pages our visitors access and referring
- The e-mail addresses of visitors who communicate with Pacifica Lending via e-
Submitting information to us is voluntary. However, if you would like to receive information on
a loan-related product from one of our network of third party loan providers (“Loan Providers”),
you must submit the required information, even if you do not actually enter into a formal
application with any Loan Provider.
Use of Data Collected
We use the information we collect to enhance your experience at our Website and to help us to
offer content we determine may be of interest to you. We may also use your personal,
demographic, and profile data to improve our Website, conduct statistical analysis, and for
marketing, promotional, editorial, or feedback purposes. Information collected by us may be
added to our databases and used for future e-mails or postal mailings of products and services.
Disclosure of Data to Third Parties
By using this Website, you agree that you may be contacted in any manner contemplated in this
section even if your number is found on a do-not-call registry or similar registry. If you choose to
provide personal information, it will be used for and/or shared with trusted third parties such as
Loan Providers and/or other financial service providers, credit bureaus, and for marketing
products and services that you might find of interest.
By submitting an application for credit, you acknowledge that you understand and agree to this
about you from third-parties when the information was incompletely or improperly filled out on
our registration form, or where additional information is needed to evaluate an application.
Third-parties include, but are not limited to, consumer reporting agencies, consumer credit
bureaus and other outside parties, as permitted or required by applicable laws. Any and all
Sensitive Information that we collect from you, and from such third parties, as part of your loan
application, will be used to determine where we route your application with the intent of
matching you with a Loan Provider.
All of the lenders we work with can offer free rate quotes with no impact to your credit
whatsoever. We have some Loan Providers that are able to issue pre-approval quotes without
performing any credit check, and other Loan Providers that can issue pre-approvals and
approvals via a soft credit check (no impact to your FICO credit score or rating). We have some
Loan Providers, that once matched with, may need to collect additional information from you
including your SSN, for the purpose of doing a soft credit inquiry to determine whether or not to
extend potential offers to you. There is no impact to your credit score or rating when a lender
performs a soft credit inquiry.
Once pre-approved by a Loan Provider we matched you with, we will hand you off to that lender
for the purpose of you becoming their client, and helping you finalize your loan with them.
During the process of finalizing your financing, some Loan Providers may need to perform a
hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so. For
more information on the difference between hard and soft credit inquiries and how they may
affect your credit score, please visit: http://www.experian.com/blogs/news/2012/09/17/credit-
When submitting an application for a loan request that requires a credit check in order for
funding to be accomplished, you are providing written consent under the Fair Credit Reporting
Act for Pacifica Lending and its Loan Providers with whom you are matched to obtain
consumer report information from your credit profile or other information from our contracted
Credit Bureau. You understand and agree that you are submitting an application for credit, and
are consenting to the use of your consumer report information by Pacifica Lending
and its Loan Providers to conduct anti-fraud security checks and evaluate your application for
credit. Upon qualification, your ultimate loan-specific financial information will be stored and
executing any loan documents.
By submitting an application, you authorize us to verify all information that you have provided
and acknowledge that this information may be used to verify certain past and/or current credit or
payment history information from third party source(s). We may utilize Check Loan Verification
or other similar consumer-reporting agency for these purposes. We may disclose all or some of
the nonpublic personal information about you that we collect to financial service providers that
perform services on our behalf, such as the servicer of your personal loan, and to financial
institutions with which we have joint marketing arrangements. Such disclosures are made as
necessary to effect, administer and enforce the loan you request or authorize and any loan you
may request or authorize with other financial institutions with regard to the processing, funding,
servicing, repayment and collection of your loan.
Without limiting the foregoing, Pacifica Lending reserves the right to release current
or past user information under the following conditions:
* (1) Pacifica Lending believes that the service and/or Website is being or has been
used in violation of the Website’s Terms and Conditions or to commit unlawful acts,
* (2) as required by law or legal process, or
* (3) in connection with a business transfer, in which case the acquiring business would continue
By agreeing to these conditions, you hereby consent to disclosure of any record or
communication to any third party, when Pacifica Lending, in its sole discretion,
determines the disclosure to be appropriate or necessary including, without limitation, sharing
your e-mail address with other third-parties for suppression purposes in compliance with the
CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission
Information Collection Processes
Pacifica Lending may employ “cookies” to help customize your access to the Website.
A cookie is a piece of data stored on your hard drive containing information about you. Cookies
have many benefits to enhance your experience at our Website. For instance, by setting a cookie
on our Website, a user can remain logged in for a period of time rather than having to log in
repeatedly in a single session, thereby saving time while on our Website. Most web browsers
automatically accept cookies, but you can usually modify your browser setting to decline cookies
if you prefer. Even in the case where a user rejects a cookie, they may still use our Website. The
only drawback to this is that the user will be limited in what he/she can access in some areas on
our Website, much like visitor-level access.
You are submitting your information to Pacifica Lending via the Internet and agree to
receive certain notifications, disclosures and/or documents electronically. This Electronic
Disclosure and Consent Agreement applies to the information you are providing on this Site and
any other communications we may provide to you. By submitting your information you agree to
receive all such notifications, disclosures and/or documents in electronic form or online in
accordance with this document. You may withdraw your consent prior to submitting your
information by exiting the application website or by closing your browser. However, you will not
be able to submit your information if you withdraw your consent by exiting the website or
closing your browser. In addition, you cannot withdraw your consent after the submission of
- You consent to receive any notifications, disclosures and/or documents in electronic format.
- All notifications, disclosures and/or documents that we provide to you in electronic format
will be provided either (i) via e-mail; (ii) by access to a secure customer service website which
will be provided to you in an e-mail notice we send to you when the documents are available;
(iii) by posting on this Site; or (iv) by posting on a website that we designate for that purpose.
- All notifications, disclosures and/or documents provided in electronic or paper format from us
to you will be considered “in writing,” and you should print a copy for your records by using the
“print” button in your browser.
- You are required to provide us with an accurate and complete e-mail address and other
required information requested on this Site.
- You may obtain any notifications, disclosures and/or documents in paper form without charge
from us by printing them yourself from our website.
- We reserve the right, in our sole discretion, to discontinue electronic provision of notifications
and/or documents. We will provide you with notice of any such termination or change as
required by law.
- You agree and we both intend the federal Electronic Signatures in Global and National
Commerce Act to apply to (i) this Consent to receive notifications, disclosures and/or documents
in electronic form; (ii) the information you provide, and (iii) our ability to conduct business with
you by electronic means.
- To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the
benefits of faster access to records, you acknowledge and agree that we may in our discretion
store all records electronically; and that we will not retain and have no obligation to retain any
original or electronic documents for any period of time beyond the regulatory requirements. This
applies to all notifications, disclosures and/or documentation. You further acknowledge and
understand that we will routinely destroy all original and electronic notification, disclosures
and/or documentation, but not before the period of time designated by regulatory requirements.
We may store records electronically via imaging, scanning, filming or other technology used for
the storage of documentation via internal processes or third-party processors that we approve for
these services. You agree that such storage shall be secure, and further agree that such records
shall for all purposes be recognized and admissible in evidence or otherwise to prove the
agreements, rights and obligations of the parties pursuant to any such records.
- By completing and submitting your information, you (i) confirm your consent to receive
notifications, disclosures and/or documents in electronic format; (ii) affirmatively demonstrate
your ability to access the notifications, disclosures and/or documents in electronic form; (iii)
confirm that you have provided a current e-mail address at which we can send electronic
notifications, disclosures and/or documents to you; iv) acknowledge that you have accessed the
Consent; and (v) agree to the terms of this Consent.
Your Opt-Out Rights
You may opt-out of receiving communications from us and or our third-party partners by not
submitting your information. However, during registration and/or when you submit personally
identifiable information to us at the Website, you have opted-in to request that we share your
personal information (other than your Sensitive Information) with third parties for the purpose of
funding your loan request. When contacted by any of these companies or third parties, you
should notify them directly of your choices regarding their use and sharing of your information.
Pacifica Lending may prepare and use separate e-mail lists for different purposes. If e-
mail recipients wish to end their e-mail subscription from a particular list, they need to follow the
instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out
from receiving any additional e-mail communications regarding the Website, please send your
request in writing via e-mail to [email protected]
In addition, if you subsequently sign up at third party websites for other product or service
offerings, you will need to address any information sharing preferences to the operators of such
Third Party Sites
In certain circumstances, Pacifica Lending acts as a limited agent for the actual third
party lender or seller of the products and/or services available at or through the Website. In these
(a) you will be redirected to the applicable third party lender’s or seller’s website after you have
completed the application page;
(b) we will collect and send your personal information to the respective third party lender or
seller in connection with completing your application or purchase from the third party lenders or
seller, as applicable; and
(c) your application or purchase will subject you to the third party lender’s or seller’s privacy
policy, as applicable.
It is important that you review all Privacy Policies of any third party offers you sign-up for. We
do not endorse and are not responsible for the accuracy of the privacy policies and/or terms and
conditions of each of the third party lenders or sellers that may advertise at the Website. The
entities that advertise and/or place banner ads at the Website including, but not limited to, these
third party lenders and sellers, are independent third parties and are not affiliated with us.
Pacifica Lending contains links to other sites belonging to third parties. Please be
aware that Pacifica Lending is not responsible for the privacy practices of such other
sites. We encourage our users to be aware when they leave our site and to read the privacy
statements of each and every website that collects personally identifiable information. This
privacy statement applies solely to information collected by Pacifica Lending even in
cases where we may frame another site with our own. From time to time, we may co-brand
certain services with third-party vendors and affiliates. It will be clear at the point of collection
who is collecting such information and whose privacy statement governs. For example, without
limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and
Warning: It is a scam if a lender looks to charge you money up-front or asks you to put money
on any type of pre-paid debit card (like a GreenDot or Vanilla Visa) as insurance for a loan in
order to achieve your financing. This is called an advance fee loan scam. None of our Loan
Providers will require you to provide them with any amount of money in any way or form
prior to receiving your loan. But many other sites on the Internet work with these fraudsters.
Don’t become a victim. Click here to learn more about advance fee loan scams and how to spot
Your Rights to Your Personal Data
Upon receiving your request via postal mail or e-mail, we will provide you a summary of
personal information retained by us. We will only send your personal records to your e-mail
address or postal address that we have on file for you. To modify, correct, change, update or
remove your personal record from our database, click here or send your request via e-mail to:
Special Notice to California Residents
We will not share any personal information about you with other companies to the extent
prohibited by applicable California law or to the extent your prior consent to share is required by
applicable California law. California residents may, no more than once per calendar year, request
information about our disclosures of certain categories of personal information to third parties
for direct marketing purposes. To be valid, requests must be submitted to us at
[email protected] Within thirty days of receiving this request, we will
provide a list of the categories of personal information disclosed for direct marketing purposes
during the immediately preceding calendar year, along with the names and addresses of the third
Visitors outside the United States
of the United States. The data protection and other laws of the United States and other countries
might not be as comprehensive as those in your country. By visiting our Site or using our
services, you acknowledge and agree that your information may be transferred to our facilities
the laws of your residence country.
Our Commitment to Children’s Privacy
Protecting the privacy of children is especially important. For this reason, we never collect or
maintain personal information at our website from those whom we know are under the age of 18
years old. In the event that information is inadvertently collected from children, it will not
knowingly be used for any marketing or promotional purposes whatsoever, either inside or
outside of our website. If we obtain actual knowledge that such information has been collected,
that information will be immediately deleted from our database. The information and services
provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by
persons under 18 years old.
Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber
All information collected is stored in a technically and physically secure environment.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a
result, while we strive to protect your personal information, we cannot ensure or warrant the
security of any information that you transmit to us, and you do so at your own risk. Once we
receive your transmission, we make reasonable efforts to ensure its security on our systems.
Access to this information is strictly limited, and not accessible to the public. All of our users’
information is restricted in our offices. Only employees who need the information to perform a
specific job are granted access to personal information. Our employees are dedicated to ensuring
the security and privacy of all user information. Employees who do not adhere to our firm
policies are subject to disciplinary action. In compliance with applicable federal and state laws,
we shall notify you and any applicable regulatory agencies in the event that we learn of an
information security breach with respect to your personal information. You will be notified via e-
mail in the event of such a breach. Please be advised that notice may be delayed in order to
address the needs of law enforcement, determine the scope of network damage, and to engage in
You understand and agree that any dispute over privacy is subject to the terms and conditions of
limited to the value of the transactions or services provided to you by the company to the extent
such claim is not otherwise barred by our terms and conditions.
Our Right to Change
We reserve the right to change this policy at any time. If changes are made, we will notify you of
at our Website. All changes will take effect immediately upon their posting on our Website.
Please check this page periodically for changes. Your continued use of the Pacifica Lending service, Website or acceptance of our e-mails following the posting of changes to this
Policy will mean that you accept any and all such changes and that you agree to continue
receiving marketing from us and other third party companies.
Our Contact Information
2001 Gregory Ave Fullerton CA 92833
dealings with this Website, you can contact us via e-mail sent to:
Updated March 2017.
Pacifica Lending understands consumers’ concerns over the use of their personal
information. We hope this information will relieve any concerns that your company may have
regarding our e-mail policies.
Pacifica Lending and its affiliated sites use only an “opt-in or opt out” method of
obtaining customer information, and it is not our policy to send unsolicited e-mail.
Pacifica Lending e-mail messages sent include include instructions on how recipients
can unsubscribe from receiving future e-mail messages.