Below is a California Consumer Privacy Act (CCPA) / CPRA–compliant Privacy Notice modeled closely on the example you like, but customized for you and West Coast Mortgage Group, with clear language that:

  • You do not sell personal information

  • You use contact info for loan updates and occasional marketing

  • You comply with California privacy rights

  • It is appropriate for a mortgage lender / financial services company

You can place this as a standalone CCPA page or append it to your main Privacy Policy.

California Consumer Privacy Act (CCPA / CPRA) Notice

CALIFORNIA CONSUMER PRIVACY NOTICE

This California Consumer Privacy Act (“CCPA”) Notice applies solely to California residents and supplements the information contained in our general Privacy Policy.

West Coast Mortgage Group values your privacy and is committed to transparency in how we collect, use, and protect personal information. This Notice explains how we collect and use personal information, the categories of personal information collected, and the rights available to California residents under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”).

1. Categories of Personal Information We Collect

We collect personal information to provide mortgage lending services, process loan applications, comply with legal obligations, and manage our business operations.

During the past twelve (12) months, we may have collected the following categories of personal information:

A. Identifiers

Such as:

  • Full name

  • Mailing address

  • Email address

  • Telephone number

  • Social Security number

  • Driver’s license or government-issued identification

B. Personal Information (Civil Code §1798.80)

Including:

  • Contact information

  • Financial information such as income, assets, account numbers, and payment history

C. Characteristics of Protected Classifications

Such as:

  • Marital status

  • Sex or gender (as required for lending compliance purposes)

D. Commercial Information

Including:

  • Mortgage products or services obtained

  • Transaction history

E. Internet or Electronic Network Activity

Including:

  • IP address

  • Website usage data

  • Interactions with our website, advertisements, or communications

F. Geolocation Data

Such as:

  • General device or IP-based location

G. Professional or Employment Information

Including:

  • Employment history

  • Employer name

  • Income and job-related data

H. Education Information

Such as:

  • School attendance or educational background (when required for underwriting or verification)

2. Sources of Personal Information

We collect personal information directly from you and from other sources, including:

  • Loan applications and inquiry forms

  • Communications via phone, email, text message, or website

  • Credit bureaus and consumer reporting agencies

  • Employers, financial institutions, or service providers

  • Government or regulatory agencies

3. Business Purposes for Collecting Personal Information

We collect and use personal information for the following purposes:

  • Processing mortgage applications and servicing loans

  • Communicating loan status updates and documentation requests

  • Verifying identity and preventing fraud

  • Complying with federal and state regulatory requirements

  • Providing customer support

  • Sending occasional marketing communications related to our services

Important: We do not sell personal information. We may use your contact information (email, phone, text, or voicemail) for loan-related communications and infrequent marketing from our company only.

4. Categories of Third Parties We Disclose Information To

During the past twelve (12) months, we may have disclosed personal information for business purposes to the following categories of third parties:

  • Service providers assisting with loan processing, underwriting, compliance, marketing, or communications (under strict confidentiality agreements)

  • Credit bureaus and consumer reporting agencies

  • Government agencies or regulators

  • Professional advisors (e.g., accountants, auditors, legal counsel)

  • Authorized representatives of the consumer (e.g., power of attorney)

5. Sale or Sharing of Personal Information

West Coast Mortgage Group:

  • Does NOT sell personal information

  • Has NOT sold personal information in the past 12 months

  • Has no actual knowledge of selling personal information of consumers under 16 years of age

Because we do not sell personal information, we do not provide a “Do Not Sell My Personal Information” link.

6. Your Rights Under the CCPA / CPRA

If you are a California resident, you have the right to:

A. Right to Know / Access

Request disclosure of:

  • Categories of personal information collected

  • Sources of personal information

  • Business or commercial purpose for collection

  • Categories of third parties with whom information is shared

  • Specific pieces of personal information collected

B. Right to Delete

Request deletion of personal information, subject to legal and regulatory retention requirements.

C. Right to Correct

Request correction of inaccurate personal information.

D. Right to Non-Discrimination

You will not be discriminated against for exercising your CCPA rights.

7. How to Submit a CCPA Request

California residents may submit a request by:

To protect your privacy, we may request verification information such as:

  • Name and contact details

  • Date of birth

  • Social Security or taxpayer identification number

  • Copy of a government-issued photo ID

8. Information Security

We maintain physical, electronic, and procedural safeguards that comply with federal and state laws to protect your personal information from unauthorized access, use, or disclosure.

9. Changes to This Notice

This California Consumer Privacy Notice may be updated periodically. Any changes will be posted on this page with an updated effective date.

10. Contact Information

West Coast Mortgage Group
Sacramento, California
Phone: (916) 453-7533
Email: info@wcmtg.com
Website: https://www.wcmtg.com