Privacy Policy

This Privacy Policy explains our views and practices concerning privacy, and how they may

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

program.

“We” or “Our” or “Us” means Pacifica Lending. “Our Website” also means

Pacifica Lending.

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.

Collected Information

Pacifica Lending automatically collects and/or tracks the following information:

  1. 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”);

  1. Web page http headers (home server domain names, IP address, type of client computer, type

of Web browser and operating system);

  1. Information (user-specific or aggregate) concerning the pages our visitors access and referring

URLs; and

 

  1. The e-mail addresses of visitors who communicate with Pacifica Lending via e-

mail.

 

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

Privacy Policy and that you authorize us to use your information to obtain other information

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.

 

Your Credit

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-

score-myths/.

 

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

 

utilized by your applicable lender in accordance with the terms of that lender’s Privacy Policy.

Therefore it is important that you thoroughly review that lender’s Privacy Policy carefully before

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.

Information Sharing

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

to be bound by this Privacy Policy.

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

enabling regulations.

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.

Electronic Disclosure

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

your information.

  1. You consent to receive any notifications, disclosures and/or documents in electronic format.
  2. 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.

  1. 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.

  1. You are required to provide us with an accurate and complete e-mail address and other

required information requested on this Site.

  1. You may obtain any notifications, disclosures and/or documents in paper form without charge

from us by printing them yourself from our website.

  1. 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.

  1. 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.

  1. 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.

  1. 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

websites.

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

circumstances:

(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.

Links

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

automotive companies.

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

to them.

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:

[email protected]

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

parties.

Visitors outside the United States

This Privacy Policy is intended to cover collection of information on our Website from residents

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

and those third parties with whom we share it as described in this Privacy Policy, regardless of

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

agreements, Privacy Policy, or any other policies or agreements relevant to you.

Security

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

remedial measures.

You understand and agree that any dispute over privacy is subject to the terms and conditions of

this privacy policy, as well as the terms and conditions of this website (including limitations on

damages). You agree that the company’s liability for any breach of this privacy policy shall be

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

the existence and location of the new or revised privacy policy or by posting the changes online

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

 

Pacific Lending

 

2001 Gregory Ave Fullerton CA 92833

 

If you have any questions about this Privacy Policy, the practices of this Website, or your

dealings with this Website, you can contact us via e-mail sent to:

[email protected]

 

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.