Privacy Policy
Effective Date: 10/19/2024
Contact: privacy@pinnacle-l-p.ai
(415)915-2626
Address: 28 Geary Street Suite 650-1471, San Francisco CA 94108, United States
GLBA Notice: We're a "financial institution" under GLBA. See our GLBA Financial Privacy Notice for financial information-sharing details.
1) Information We Collect
- Identifiers & Contact: name, email, phone, postal address, IP/device IDs.
- Personal Records: SSN, driver's license/state ID, date of birth, employment, income.
- Financial & Credit: assets/balances, liabilities, credit reports/scores, property/appraisal, title/insurance.
- Commercial: loan inquiry details, product interests, communications.
- Internet/Device Activity: pages viewed, time on page, clickstream, browser/device data, cookies/pixels.
- Geolocation: approximate location (IP/device, if enabled).
- Inferences: eligibility/preference profiles from your inputs.
Sensitive Personal Information (SPI) is used only for necessary, permitted purposes (e.g., processing applications, identity verification, compliance, fraud prevention).
2) Sources
- Directly from you (forms, calls, emails, uploads).
- Third parties you authorize (employers, financial institutions).
- Consumer reporting agencies and ID/fraud-prevention partners.
- Public records, property databases, title/insurance providers.
- Automatically via cookies, pixels, and SDKs.
3) Uses
- Evaluate loan options; broker your application; present to lenders.
- Verify identity, income, assets, employment, occupancy, property details.
- Obtain/use credit reports and scores with your authorization.
- Comply with GLBA, FCRA, ECOA, TILA, RESPA, HMDA, AML/KYC, and state laws.
- Detect, investigate, and prevent fraud/security incidents.
- Improve the Site, analytics, and user experience.
- Support and communications about your account.
- Permission-based marketing (opt-out available).
4) Disclosures/Sharing
- Lenders/funding partners to evaluate and process your application.
- Service providers/contractors (credit, verification, analytics, hosting, document/e-signature tools) under restricted-use contracts.
- Affiliates for compliance, servicing, and marketing (see Your Privacy Choices to limit certain affiliate marketing uses).
- Professional advisors; regulators/law enforcement as required by law; and successors/assignees in transactions.
We do not sell personal information for money. We may "share" identifiers and internet activity for cross-context behavioral advertising. You can opt out at Your Privacy Choices and via Global Privacy Control (GPC) signals.
5) Cookies & Online Tracking
- Functional/analytics cookies support core features; advertising cookies (if enabled) are opt-out.
- We honor GPC where required.
- You can block/delete cookies in your browser (some features may not function).
6) Retention
Information is retained as long as needed for the purposes above, to satisfy legal/regulatory retention (mortgage records may be retained for several years), resolve disputes, and enforce agreements.
7) SMS Terms and Conditions
By opting in to receive SMS messages, you agree to the following:
Consent for SMS Communication
- Phone numbers obtained during the SMS consent process will not be shared with third parties for marketing purposes. This ensures your information is used solely for communication purposes related to our services.
Types of SMS Communications
By opting in, you may receive SMS messages related to:
- Appointment reminders
- Follow-up messages
- Information you requested
Message Frequency
Message frequency may vary depending on the type of communication.
Potential Fees for SMS Messaging
- Standard message and data rates may apply, depending on your carrier's pricing plan. These fees may differ for domestic or international messages.
Opt-In Methods
You can text Pinnacle Lending Partners at (415) 915-2626 for information regarding our services. By texting us, you agree to receive customer care messages from Pinnacle Lending Partners. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary.
Opt-Out Instructions
- You can opt out at any time by replying "STOP" to any SMS message.
Help
- If you are experiencing any issues, reply with the keyword "HELP".
Standard Messaging Disclosures
- Message and data rates may apply.
- You can opt out at any time by texting "STOP".
- For assistance, text "HELP" or visit this Privacy Policy page.
- Message frequency may vary depending on service.
8) Your Privacy Choices & Rights (State Laws)
Depending on your state, you may have rights to Know/Access, Delete, Correct, Opt Out of "sharing" for targeted advertising and certain profiling, Limit SPI (where applicable), and Non-discrimination.
We verify identity and respond within required timelines. Authorized agents may submit requests with proof of authorization. Marketing emails include unsubscribe links.
9–14) GLBA Notice • Children • Security • International • Changes • Contact
See our GLBA Financial Privacy Notice. Not directed to children under 13. We use administrative, technical, and physical safeguards (encryption, access controls, least-privilege, training, vendor diligence). U.S. processing. We may update this Policy; the Effective Date reflects the latest version. Contact: privacy@pinnacle-l-p.ai · (415)915-2626 · 28 Geary Street Suite 650-1471, San Francisco CA 94108, United States.
Contact: privacy@pinnacle-l-p.ai · (415)915-2626 · 28 Geary Street Suite 650-1471, San Francisco CA 94108, United States.
About PINNACLE LENDING PARTNERS
Empowering real estate investors with flexible financing solutions. Based in Silicon Valley, serving investors nationwide.
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