Privacy Policy Privacy Policy / Terms of Service | ADA Accessibility Statement

This Privacy Policy governs the manner in which Linour Lending, Inc. (herein “Company”) collects, uses, maintains, and discloses information collected from you. Linour Lending, Inc. is committed to protecting your privacy, whether in electronic or physical format.

Personal Identification Information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, or interact with our representatives. Users may be asked for identifying information, including name, address, phone number, Social Security Number, credit history, employment and income details, bank account balances, and payment history. Users can visit our Site anonymously; however, providing certain personal information may be required to use specific Site features.

Non-Public Personal Identification Information

In addition to information provided directly by Users, we may gather nonpublic personal information from other sources to process and underwrite your loan. These sources may include credit reporting agencies, employers, banks, title insurers, insurance companies, and other related parties. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Non-Personal Identification Information

We may collect non-personal identification information about Users whenever they interact with our Site. This information may include the browser name, type of computer, and technical details about Users’ means of connection to our Site, such as the operating system and Internet service providers.

Web Browser Cookies

Our Site may use “cookies” to enhance User experience. Cookies are small files sent to your computer or internet-enabled device for record-keeping and to track information about site visits. Users may set their browsers to refuse cookies or to alert them when cookies are sent, but note that some parts of our Site may not function properly if cookies are disabled.

Types of Cookies

• Session Cookies: Temporary files that are erased when you close your browser.
• Persistent Cookies: Remain stored in your browser’s subfolders after the session ends.

How We Use Collected Information

We may collect and use Users’ personal information for the following purposes:

• To improve customer service: Information you provide helps us respond to your requests and support needs more efficiently.
• To personalize user experience: We use information in the aggregate to understand how our Users interact with the Site.
• To improve our Site: Feedback provided by Users is used to enhance offerings and functionality.
• To complete the services requested: Information is used to fulfill the services you request from us.

SMS Consent Disclosure

If you opt in to receive text messages from Linour Lending (for example, by checking an opt-in box on one of our forms), you authorize us to send you text messages and notifications. Message frequency may vary. Message and data rates may apply. Reply STOP to unsubscribe or HELP for assistance. Consent to receive text messages is not a condition of purchase. Messages may be sent from: 888-383-6044

How Users Consent to Messaging

Users consent to receive text messages by providing affirmative consent—such as checking an optional checkbox on a website form. Where offered, users may be able to opt in separately to transactional messages related to their inquiry/application and marketing/promotional messages. This SMS disclosure is displayed on the form before submission.

Data Sharing Policy

We do not share data with third parties for marketing/promotional purposes. All sharing of information excludes text messaging opt-in data and consent; this information will not be shared with any third parties.

Safeguarding Personal Information

We restrict access to nonpublic personal information to employees who require it to provide services. Current and former employees are required to protect personal information. We implement suitable security measures to safeguard your information against unauthorized access, alteration, disclosure, or destruction, in compliance with federal regulations. We retain your information as long as your account is active or as required to provide services. We may continue to share your information even if you are no longer a customer of Linour Lending, Inc., solely as permitted by law.

Third-Party Websites

Our Site may contain links to third-party websites. We do not control the content or links on these sites and are not responsible for their privacy practices. Your interactions on linked websites are subject to those sites’ terms and policies.

California Do Not Track Notice

We do not track Users’ personal information over time and across third-party websites. Therefore, California’s “do not track” regulations do not apply to us. Any data collected by third-party services, such as social features or advertising, is managed solely by those third parties and does not include personal data unless you provide it with your consent.

Testimonials

We may display testimonials from satisfied customers on our Site, with your consent. If you wish to update or delete your testimonial, please contact us at [email protected].

How We Protect Your Information

We adopt industry-standard practices to protect against unauthorized access to, alteration of, or disclosure of your personal information. Our Site complies with PCI vulnerability standards for a secure environment. We continually evaluate and upgrade our physical and electronic security systems as necessary.

Compliance with Children’s Online Privacy Protection Act

We do not collect or maintain information on our Site from those we know are under 13. No part of our Site is structured to attract anyone under 13.

Changes to This Privacy Policy

Linour Lending, Inc. reserves the right to update this policy at any time. We encourage Users to check this page periodically to stay informed of any changes. Your continued use of the Site following changes indicates your acceptance of those changes.

Contacting Us

If you have questions about this Privacy Policy, please contact us at: Linour Lending, Inc. 23382 Mill Creek Dr suite 210, Laguna Hills, CA 92653  Phone: 888-383-6044 Email: [email protected]

ADA Accessibility Statement

Linour Lending is committed to providing an accessible website. If you need assistance or have specific feedback about accessibility, please contact us.

Licensing

Linour Lending, Inc. is not endorsed by, nor acting on behalf of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, Veterans Administration, the U.S. Department of Agriculture, or the Federal Government. This material is informational only and does not constitute an offer to lend. All applications are subject to underwriting guidelines and approval. Not all applications qualify for all products, which are subject to change without notice. Some products may not be available in all states. For details, please speak with one of our loan originators.