Privacy Policy

Regulatory Compliance

Loan Originator Networks (“we”, “us”, “our”) abides by regulations put forth by both the California Consumer Privacy Act and the Gramm-Leach-Bliley Act.

The California Consumer Privacy Act (CCPA) empowers California residents with specific data privacy rights. While our company may not be directly subject to the CCPA, we believe in transparency and aim to honor these principles for all our users, regardless of location.

Key Rights Under CCPA:

• Information Access: You can ask companies to reveal what personal data they’ve gathered about you in the past year.
• Data Sources: You have the right to know where companies obtained your information.
• Purpose Disclosure: Companies must explain why they collected or sold your data.
• Third-Party Sharing: You can request details about which other organizations have received your information.
• Data Specifics: You’re entitled to know exactly what personal details a company has collected.
• Sale or Disclosure Information: Companies must disclose if they’ve sold your data or shared it for business reasons.

These provisions aim to give you greater control over your personal information and insight into how businesses use it.

The Gramm-Leach-Bliley Act (GLBA) regulates how financial institutions handle nonpublic personal information. Under this act, financial institutions and their affiliates are generally prohibited from sharing your nonpublic information with non-affiliated third parties unless they provide you with a notice detailing their privacy policies and practices. This notice must include:

• The types of information collected about you
• The categories of personal information that may be disclosed
• The entities to whom this information may be disclosed

While we are not directly classified as a “financial institution,” we may be considered an “affiliate” of one. To ensure compliance with the GLBA and to maintain transparency, we are providing you with this document outlining our company’s privacy policies and practices.

On behalf of our clients, we work with nonpublic personal information that is bound by other policies and regulations. These policies are available at trust.loanoriginator.net.

Information Collection

Types of Data Collected

Personal Information

• Name
• Email
• Business information (name, address, title)
• Whatever information requested through our career applications

These are submitted only voluntarily through forms within the site.

Automatically Collected Data

• IP address
• Browser type and version
• Device information
• Visit duration and pages viewed

These are gathered and tracked automatically by the infrastructure that serves you this website. We gather user analytics utilizing cookies, and share this analytics data with Google.

Cookies and Similar Technologies

Used for authorized access, user activity tracking, and form usage tracking.

For more info, see our cookie policy.

You may opt out of using cookies on our site, but note that some features may not work as intended.

Legal Basis for Data Collection

We collect and process your information based on at least one of the following legal grounds:

• User consent
• The information is manifestly made public by you
• Provision of purchased services
• Legal compliance requirements

Data Usage and Disclosure

How We Use Your Information

• Improve our products and services
• Fulfill service requests
• Verification purposes
• Hiring

Information Sharing

We may share your data with:

• Service providers
• Legal authorities (when required by law)
• Other parties with your consent

We do not use, share or disclose sensitive personal information other than to provide you our services, nor do we sell this information.

User Rights and Choices

Under applicable laws, you may have the right to:

• Request disclosure of collected personal information
• Ask for data deletion
• Opt-out of data sharing

Data Protection for Minors

We do not have actual knowledge that we collect personal information from children under 16 years old.

Data Retention

We retain your information:

• As required by law
• As long as necessary for legitimate business purposes
• Until you request deletion (subject to legal requirements)

Updates to This Policy

We may modify this policy periodically. Significant changes will be communicated through our website.

Contact Information

For questions or concerns about this policy, please contact us at legal@loanoriginator.net.

Last Updated: October 17, 2024