Privacy Policy

Secure One Capital Privacy Policy

Introduction

This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how any personal and/or personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

Our Privacy Pledge

We do not sell or rent customer information.

We share customer information with certain employees and with companies providing services on our behalf to service your needs.

Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.

Our privacy policy applies to potential customers as well as current and former customers.

Safeguarding Personal Information

We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.

We have implemented physical, electronic, and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.

We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.

Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing, or developing our products or services.

Our policy, which governs the conduct of all our employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.

Secure One Capital Corporation Security Policy

Secure One Capital Corporation takes strong steps to safeguard your personal and sensitive information through industry standard physical, electronic, and operational policies and practices. All data is considered highly confidential. Data can only be read or written through defined service access points, the use of which are password protected. The physical security of the data is achieved through a combination of network firewalls and servers with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Information We Collect About You

We collect information about you to help us serve your financial needs, to provide you with quality products and services, and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personal information, even if you cease to be a customer. The personal information we collect about you may include among other things:

Identifying information, such as your name, age, address, phone number and social security number.

Employment information

We collect this information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.

We will use this information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending process such as:

Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views using log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications from Our Site

When you submit an application and/or create a profile on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and the bank accounts, and confirmation of successful submissions of loan requests and portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys, or user feedback emails, please opt out in any offer email you receive from us.

Links to Third Party Websites

Secure One Capital Corporation is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-Secure One Capital Corporation websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of the Secure One Capital Corporation website. Third party websites may have different privacy policies and/or security standards governing their sites.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements. We may post your testimonial along with your name on our website, social media pages, or elsewhere. If you wish to update or delete your testimonial, please contact us at:  CustomerExperience@SecureOneCapital.com.

Notifications

Secure One Capital Corporation will send you email notifications from time to time, and these are required elements of your transactions on our website, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or a linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these eService-related emails.

Sharing Information with Companies That Provide Services for Us

We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day-to-day operations of our company in the administration, processing, servicing, and the sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Web-related Information Collection

We use web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, and non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that site, including the personalization of content.

Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site, in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personal information. More importantly, using cookies also helps us protect the security of your account. This information is encrypted and no personal data about you is stored on our servers. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website.

Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site.

This site uses the Google Maps API, the Google Places API, and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. Google’s Privacy Policy is incorporated herein and can be found at Google's Privacy Policy. By using this site, you agree to be bound by Google’s Terms of Service which may be found at Google's Terms of Service.

California Do Not Track Notice

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. Currently, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us.

California law also requires website and online service operators to disclose whether third parties may collect personal information about their users’ online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us, and we provide it to them with your consent.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

Link to Other Sites

We may offer links to partners’ sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled or to facilitate our customers’ more effective use of our website, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy and may have different privacy policies or approaches to the handling of information. Secure One Capital Corporation has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them any of your personal information.

We also equip our servers with Secure Socket Layer (SSL) certificates to ensure that when you connect to our website you are on our site. SSL also ensures that all data entered on the website is encrypted. For encryption protection, we use 128-bit secure browser for login and transactions. To verify that SSL is being used, please go to: SSL Checker.

Session time-outs

We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Do Not Call Policy

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at 1-833-847-3628. Our employees are trained through Policies and Procedures to act on your instructions within 30 days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes.

If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at 1-833-847-3628.

By submitting this request for information, I hereby agree to the Privacy Policy and consent to receive recurring information by email, phone and/or SMS messages even if I am on a State or Federal Do-Not-Call list. I understand consent is not a condition of purchase Standard Msg and Data Rates Apply By clicking on the "BUTTON NAME" button below and signing up for texts, you consent to receive marketing text messages from Secure One Capital at the number provided, including messages sent by autodialer. Consent is not a condition of purchase. Msg & data rates may apply. Unsubscribe at any time by replying STOP or clicking the unsubscribe link (where available)

Contacting Us

If you have any questions about this privacy policy, please write us at Secure One Capital Corporation, 3200 Park Place, Suite 1300, Costa Mesa CA, 92626.  Attention Compliance Manager.

Phone:  833-847-3628 or 949-337-4700

 CALIFORNIA CONSUMER PRIVACY POLICY ACT NOTICE (CCPA)