Privacy Policy | Loan28.com

Plain-language summary before the legal detail: we collect the information you actually give us (name, phone, email, and whatever you tell us about your loan situation) to follow up with you personally. We don't sell your information. A credit check only happens if you move forward with a full application, and we tell you before it happens.

Information We Collect

We collect information you voluntarily provide through our calculators, contact forms, and application process, including:

Contact information — name, phone number, and email address
Self-reported financial information — estimated home value, loan amount, county, and general financial details you choose to share with our calculators
Information you provide directly through our contact form or when speaking with us
If you move forward with a full loan application, information required for that application, including credit report information obtained with your authorization

The estimates and calculators on this site do not perform a credit check. A credit report is only pulled if and when you choose to move forward with a full application, and this is disclosed to you before it happens, along with the associated credit report fee.

How We Use Your Information

We use the information you provide to respond to your inquiry, provide the estimates and information you request, and — if you choose to move forward — process your loan application. We do not use your information for any purpose unrelated to the services you've requested.

How Your Information Is Shared

We do not sell your personal information. Information submitted through our forms is processed through Web3Forms, a third-party form-processing service that delivers your submission to us — Web3Forms acts as a data processor on our behalf and does not use your information for its own purposes. If you move forward with a loan application, your information is shared with the wholesale lenders, credit bureaus, and service providers necessary to process that specific application — never beyond what's needed to serve your request.

Cookies and Analytics

This site may use standard analytics tools to understand how visitors use the site in aggregate — for example, which pages are viewed and how visitors navigate the site. This information is used to improve the site and is not used to identify you personally beyond what's necessary for basic web analytics.

Your California Privacy Rights (CCPA/CPRA)

As a California-based business serving California residents, we honor the rights granted under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). You have the right to:

Know what personal information we've collected about you and how it's been used
Delete personal information we've collected from you, subject to certain legal exceptions
Correct inaccurate personal information we maintain about you
Opt out of the sale or sharing of personal information — though we do not sell your information in the first place
Non-discrimination — we will never deny you service, charge you a different price, or provide a different level of service because you exercised any of these rights

To exercise any of these rights, contact us using the information at the bottom of this page. We'll verify your identity before processing your request and respond within the timeframe required by California law.

Data Security

We take reasonable measures to protect the information you provide, including working with reputable third-party services for form processing. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security — but we do not ask for or store sensitive information like Social Security numbers or full account numbers through our website forms.

Data Retention

We retain the information you provide for as long as necessary to respond to your inquiry or, if you become a client, for the period required by applicable mortgage industry recordkeeping regulations.

Children's Privacy

This site and our services are intended for adults capable of entering into a mortgage transaction. We do not knowingly collect information from anyone under 18.

Changes to This Policy

We may update this policy from time to time. The "last updated" date at the top of this page reflects the most recent revision.

Contact Us About Privacy

For questions about this policy or to exercise your privacy rights, contact Loi Tran directly at (415) 610-7999, by email at Loi@Loan28.com, or through our contact page.

A note on this document: this policy is intended to describe our actual practices in plain language and reflect current California privacy law in good faith. It is general and educational in nature and is not a substitute for review by a qualified attorney familiar with your specific business practices and applicable law.