Privacy Policy

Who we are

Pacific Bay Financial Corporation (“Pacific Bay Financial,” “we,” “us”) is a mortgage broker and financial consultant located at 355 Gellert Blvd #110, Daly City, CA 94015, NMLS # 196454.

This policy explains how we handle personal information we collect through pacificbayfinancial.com and when you call, email, or text us. If you apply for a loan, you will also receive our consumer privacy notice required by federal law. That notice governs the nonpublic personal information we collect to arrange your loan, and it controls if it conflicts with this policy.

Information we collect

Information you give us

• Contact details, such as your name, phone and mobile number, email address, and mailing address.
• Details about your situation and the property, such as the loan you are looking for and the property address.
• When you apply, financial information such as income, employment, assets, debts, and Social Security number, and documents that verify it.

Information from others, with your authorization

To evaluate and arrange financing, we may receive information from credit reporting agencies, lenders, employers, appraisers, title and escrow companies, and real estate professionals involved in your transaction.

Information collected automatically

When you visit our website, our hosting provider records standard technical information such as your IP address, browser type, pages visited, referring page, and the date and time of your visit. We use it to keep the site secure and working properly.

How we use information

• To answer your questions and understand your financing needs.
• To prepare, submit, and manage your loan application with lenders.
• To communicate with you by phone, email, and, if you agree, text message.
• To comply with laws, regulations, licensing, and record-keeping requirements.
• To protect against fraud and keep our website and systems secure.
• With your consent, to tell you about loan programs that may interest you.

How we share information

We do not sell your personal information. We share it only as needed to serve you and as the law requires or permits:

• With lenders and investors to whom we submit your loan application.
• With service providers that help us arrange your loan and run our business, such as credit reporting agencies, appraisers, title and escrow companies, our loan application portal, and our customer relationship and messaging platforms. They may use the information only to perform services for us.
• With people you ask us to work with, such as your attorney, mediator, accountant, or real estate agent.
• With regulators, law enforcement, or others when required by law, subpoena, or court order, or to protect our rights and the safety of others.
• With a successor company if our business is merged, sold, or reorganized, subject to this policy.

None of these categories include text messaging opt-in data and consent. See the next section.

Text messaging and mobile information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the categories of sharing described above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We use your mobile number and messaging consent only to send the text messages you agreed to receive. The platform and wireless carriers that deliver our messages process your number only to transmit them.

You can stop receiving text messages at any time by replying STOP. Reply HELP for help. Message and data rates may apply. Full program details are in our text messaging terms.

Cookies and Do Not Track

Our website does not use advertising cookies or track you across other websites. Our hosting provider may use strictly necessary cookies to protect the site from abuse. Because we do not track visitors across third-party sites, we do not change our practices in response to browser “Do Not Track” signals.

Third-party sites and services

Our website links to services run by other companies, including our secure online loan application portal (Floify), Yelp, Google Maps, and NMLS Consumer Access. Information you provide on those sites is governed by their privacy policies.

How we protect information

We use administrative, technical, and physical safeguards designed to protect your information, and we limit access to people who need it to serve you. No method of transmission or storage is completely secure, so please do not send Social Security numbers or account numbers by text message or regular email. Use our secure application portal instead.

How long we keep information

We keep personal information for as long as we need it for the purposes above, and as long as required by the laws and record-keeping rules that apply to mortgage transactions.

Your choices and California rights

• Text messages: reply STOP to any message to opt out.
• Marketing: tell us at any time that you no longer want to hear about loan programs. We will still contact you about an application in progress.
• Access and correction: contact us to review or correct information you have given us.

If you are a California resident, you may have additional rights under California law, including the right to know what personal information we have collected about you and to ask us to delete it. These rights are subject to legal exceptions, such as information governed by federal financial privacy law and records we must keep. We do not share personal information with third parties for their own direct marketing. We will not treat you differently for exercising your privacy rights. To make a request, call or write to us using the details below. We will verify your identity before we respond.

Children

Our website and services are intended for adults. We do not knowingly collect personal information from children under 13.

Changes to this policy

We may update this policy from time to time. When we do, we will post the new version on this page and change the effective date above.

Contact us

Questions about this policy or your information? Contact us: