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Gramm-Leach-Bliley Act (GLBA) Privacy Notice

Rev. 09/2021

Facts WHAT DOES HARD MONEY WEST DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and full name
  • Credit score and any commitments to pay
  • Assets and liabilities

We may continue to share information as described below in this privacy notice.

How? All financial companies need to share customers’ and clients' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ and clients' personal information; the reasons Hard Money West chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Hard Money West share? Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus 		Yes No

For our marketing purposes—

to offer our products and services to you 		Yes No

For joint marketing with other financial companies

No We don’t share

For our affiliates’ everyday business purposes—

information about your transactions and experiences 		Yes No

For our affiliates’ everyday business purposes—

information about your creditworthiness 		Yes We don’t share

For our affiliates to market to you

 No We don’t share

For nonaffiliates to market to you

Yes We don’t share
Questions? Contact [email protected]
Who we are
Who is providing this notice? Hard Money West
What we do
How does Hard Money West protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Hard Money West collect my personal information?

We collect your personal information, for example, when you

  • Give us information through email, over the phone or by other communication method.
  • Submit information through a form on our website, social media pages or through advertising campaigns.

We collect your personal information from other entities, such as credit bureaus or other companies, when permissable by law.
Why can’t I limit all sharing

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. Please see the Other important information section below for further explanation of rights that state law grants to you.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies

  • Hard Money West does not work with affiliates. We only share information with lenders upon completion of a loan application.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Hard Money West will not share any information with nonaffiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Hard Money West does not engage in joint marketing.

State laws may grant you additional rights beyond the GLBA. For example, in California the California Consumer Privacy Act (CCPA) offers California consumers additional protections. Please see below.

Other important information

For residents of California:

Hard Money West does not share any of the personal information that we collect from you with any third parties unless legally permissible, e.g. when you have given us consent.

We will only share your information with outside lenders after you submit a loan application and only for the purpose of obtaining a mortgage at your request. We only share when absolutely necessary and in a manner consistent with current California law.