California privacy
California Consumer Privacy Act (CCPA/CPRA)
California residents have specific rights over the personal information we collect. Here is what we collect, why, and how to exercise every right available to you.
Categories of personal information we collect
- Identifiers: name, mailing address, email address, phone number, and IP address.
- Financial information: income, assets, debts, credit history and loan details you submit through our secure application when you apply.
- Internet activity: pages viewed on this site and general location, used to keep the site working and improve our guides.
- Property information: address, type, occupancy and value of the property you are financing.
Why we collect it
To respond to your inquiry, to originate, underwrite, and close a mortgage loan, to meet licensing and recordkeeping obligations, and to operate and secure this website.
We do not sell your personal information
Lend4Less does not sell personal information, and does not share it for cross-context behavioral advertising as those terms are defined by the CCPA/CPRA. Mobile opt-in data and SMS consent are never shared with third parties or affiliates for marketing purposes. You can still record an opt-out preference on our Do Not Sell or Share My Personal Information page or in your .
Your rights
- Right to know what personal information we collect, use, and disclose
- Right to request a copy of the personal information we hold about you
- Right to request deletion, subject to lending recordkeeping requirements
- Right to correct inaccurate personal information
- Right to opt out of any sale or sharing of your personal information
- Right to limit use of sensitive personal information
- Right not to receive discriminatory treatment for exercising these rights
How to submit a request
Email Dennis@lend4less.com or call 209-602-4900 with the subject "California Privacy Request." We verify your identity using information already in our records before acting, and we respond within 45 days (extendable by another 45 days when necessary). An authorized agent may submit a request on your behalf with written permission.
Financial-institution exemption
Personal information collected in connection with a mortgage loan application is generally governed by the Gramm-Leach-Bliley Act and the federal privacy notice you receive with your loan, which may limit certain CCPA rights for that data. Everything else is covered by this notice and our Privacy Policy.