Privacy Policy
Privacy Policy for West Cal Financial
Effective Date: 08/25/2025
West Cal Financial (“West Cal Financial,” “we,” “our,” or “us”) values your privacy and is committed to safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information in connection with our real estate and mortgage brokerage services, and how California consumers may exercise their privacy rights.
1. Information We Collect
By using our website www.WestCalFinancial.com or engaging our services, you agree to the terms of this Privacy Policy.
We may collect the following categories of personal information:
Identifiers: name, address, phone number, email, date of birth, driver’s license or ID number.
Financial Information: income, credit history, bank account details, mortgage application data.
Real Estate Transaction Data: property addresses, purchase or sale agreements, lease details, escrow/closing documents.
Internet/Usage Data: IP address, browser type, device identifiers, site usage data (collected through cookies and analytics).
Protected Classifications (only if required by law in lending applications): information such as gender, marital status, veteran status, or other legally required disclosures under fair lending laws.
We do not knowingly collect information from children under 18.
2. How We Use Your Information
We use your information to:
Provide real estate and mortgage brokerage services.
Process loan applications and transactions in compliance with RESPA and GLBA.
Communicate with you about your transactions and account.
Respond to inquiries and provide customer service.
Comply with legal, regulatory, and licensing obligations.
Send you marketing or educational information (with your consent).
3. Information Sharing and Disclosure
We respect your privacy and do not sell your personal information.
We may disclose your information only as necessary to:
Service Providers and Business Partners: such as lenders, appraisers, title companies, escrow officers, credit bureaus, or technology providers—only to perform services you request.
Legal or Regulatory Authorities: to comply with obligations under GLBA, RESPA, the California Bureau of Real Estate (DRE), the Consumer Financial Protection Bureau (CFPB), or other regulators.
Fraud Prevention and Security: to protect against unauthorized transactions, claims, or liabilities.
All service providers must contractually agree to keep your information confidential and use it only for the services provided.
4. Consumer Rights Under the CCPA/CPRA
As a California resident, you have the following rights regarding your personal information:
Right to Know: You may request details about the categories of personal information we collect, use, and disclose.
Right to Access: You may request a copy of the personal information we maintain about you.
Right to Delete: You may request that we delete personal information, subject to legal or contractual requirements (for example, mortgage record retention under GLBA/RESPA).
Right to Correct: You may request corrections to inaccurate information.
Right to Opt-Out of Sale/Sharing: We do not sell personal information. If that ever changes, you will be given the ability to opt out.
Right to Limit Use of Sensitive Personal Information: We only collect sensitive data (such as financial or government ID information) as necessary for real estate and mortgage transactions.
To exercise your rights, contact us at:
📧 Email: Brandon@WestCalFinancial.com
📞 Phone: 415-250-7241
We will not discriminate against you for exercising your CCPA rights.
5. Gramm-Leach-Bliley Act (GLBA) Privacy Notice
As a mortgage brokerage, we comply with the GLBA by providing:
Collection Limits: We collect only information necessary to process and service mortgage applications.
Disclosure Limits: We share personal financial information only with parties necessary to carry out your requested transactions or as required by law.
Safeguards: We maintain administrative, technical, and physical safeguards to protect your financial information.
6. Real Estate Settlement Procedures Act (RESPA) Compliance
In compliance with RESPA:
We do not accept or give referral fees, kickbacks, or unearned compensation for referrals.
Any affiliated business arrangements will be disclosed to you in writing.
We will provide required disclosures related to settlement services, closing costs, and loan terms.
7. Data Security
We use reasonable physical, electronic, and procedural safeguards to protect your personal information. While we take precautions, no system is completely secure, and we cannot guarantee absolute protection.
8. Cookies and Tracking
We use cookies and similar technologies for site performance, analytics, and to enhance your experience. You may disable cookies in your browser settings, though some features may not function properly.
9. Data Retention
We retain personal information only as long as necessary to fulfill the purposes described, comply with legal and regulatory obligations (including record retention under GLBA/RESPA), resolve disputes, and enforce agreements.
10. Updates to This Policy
We may update this Privacy Policy from time to time. The “Effective Date” at the top will reflect the most recent version.
11. Contact Us
For questions or to exercise your privacy rights, please contact us:
West Cal Financial
1775 Indian Valley Rd. Novato, California 94947
📞 Phone: 415-250-7241
📧 Email: Brandon@WestCalFinancial.com