Privacy Policy

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D Capital Mortgage (“D Capital Mortgage,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal and financial information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, communicate with us, apply for a mortgage loan, or otherwise use our products and services.

Our privacy practices are designed to comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (“GLBA”) and other laws governing the privacy and security of consumer financial information.

1. Information We Collect

The information we collect depends on your interaction with us and the mortgage products or services you request.

We may collect personal and non-public personal information (“NPI”), including:

• Name, mailing address, email      address, and telephone number;
• Social Security number and date      of birth;
• Government-issued identification      information;
• Employment and income      information;
• Bank account, asset, and      investment information;
• Credit history, credit scores,      debts, and other credit information;
• Mortgage and real estate      information;
• Tax returns, W-2s, paystubs, bank      statements, and other financial documents;
• Information regarding your loan      application and transaction;
• Information received from      consumer reporting agencies;
• Information received from      employers, financial institutions, government agencies, and other third      parties involved in processing or verifying your mortgage transaction; and
• Information you voluntarily      provide through our website, applications, forms, email, telephone      communications, or other interactions with us.

2. How We Collect Information

We may collect information:

• Directly from you when you      inquire about, apply for, or obtain a mortgage product or service;
• From your mortgage loan      application and supporting documentation;
• From consumer reporting agencies      and credit bureaus;
• From employers, banks, financial      institutions, government agencies, and other sources used to verify      information provided in connection with your application;
• From settlement service providers      and other parties involved in your mortgage transaction; and
• Through our website and      electronic systems when you communicate or interact with us.

3. How We Use Your Information

We may use your personal information to:

• Evaluate and process mortgage      loan applications;
• Verify your identity, employment,      income, assets, credit, and other application information;
• Underwrite, approve, close, fund,      sell, transfer, or service mortgage loans;
• Provide mortgage products and      services you request;
• Communicate with you regarding      your inquiry, application, or loan;
• Detect, investigate, and prevent      fraud, identity theft, money laundering, and other unlawful activities;
• Comply with federal, state, and      local laws and regulatory requirements;
• Respond to subpoenas, court      orders, regulatory examinations, audits, and other lawful requests;
• Maintain business and transaction      records;
• Protect our rights, property,      customers, employees, and business operations; and
• Perform other activities      permitted or required by law.

4. How We Share Information

D Capital Mortgage may disclose personal information when necessary to conduct our everyday business operations, process or service a mortgage transaction, or comply with applicable law.

Information may be disclosed to parties such as:

• Credit reporting agencies;
• Mortgage investors and loan      purchasers;
• Loan servicers;
• Appraisers and appraisal      management companies;
• Title and escrow companies;
• Settlement and closing service      providers;
• Mortgage insurance companies;
• Government agencies and      government-sponsored enterprises;
• Attorneys, accountants, auditors,      and compliance providers;
• Technology, document preparation,      verification, fraud prevention, and other service providers; and
• Other parties involved in      processing, underwriting, closing, funding, selling, transferring, or      servicing a mortgage loan.

We may also disclose information when required or permitted by law, including in response to legal process, regulatory requirements, fraud investigations, or requests from governmental authorities.

We do not disclose non-public personal information to nonaffiliated third parties except as permitted by law, as necessary to provide our products or services, or as otherwise described in the privacy notices provided to our consumers.

5. Marketing and Your Privacy Choices

Where required by applicable law, D Capital Mortgage provides consumers with appropriate notices and choices concerning the sharing or use of their personal information.

If we engage in marketing activities that provide you with a legal right to opt out, we will provide an appropriate method for exercising that right.

Certain information sharing necessary to process, close, fund, sell, transfer, service, or administer your mortgage transaction, or otherwise permitted or required by law, may not be subject to an opt-out right.

6. How We Protect Your Information

D Capital Mortgage maintains administrative, technical, and physical safeguards designed to protect personal and non-public personal information from unauthorized access, use, disclosure, alteration, or destruction.

Access to customer information is restricted based on business need and job responsibilities. Employees and other authorized users are provided access to information only when appropriate to perform their assigned responsibilities.

We also maintain information security procedures addressing the handling, storage, access, and disposal of sensitive consumer information.

7. Retention and Disposal of Information

We retain personal information for as long as reasonably necessary to process and maintain your mortgage transaction, meet our business and contractual obligations, and comply with applicable federal and state record-retention requirements.

When information is no longer required to be retained, we use procedures designed to securely dispose of or destroy sensitive paper and electronic records.

8. Identity Verification and Fraud Prevention

To protect consumers and comply with applicable law, D Capital Mortgage may verify your identity during various stages of the mortgage process.

We may use information from credit reporting agencies, government databases, identification documents, fraud-prevention services, and other sources to confirm identity and identify potential fraud, identity theft, money laundering, or other suspicious activity.

9. Website and Electronic Information

When you visit our website, certain information may be collected automatically, such as your Internet Protocol (“IP”) address, browser type, device information, pages visited, referring website, and information concerning how you interact with our website.

Our website or service providers may use cookies and similar technologies to operate the website, improve functionality, analyze website usage, maintain security, and improve the user experience.

You may be able to control certain cookies through your browser settings. Disabling cookies may affect the functionality of some portions of the website.

10. Third-Party Websites

Our website may contain links to websites operated by third parties. D Capital Mortgage is not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of any third-party website before providing personal information.

11. Protecting Information After Your Relationship With Us Ends

Our obligation to protect your non-public personal information continues even after you are no longer our customer. We will continue to handle and safeguard retained information in accordance with applicable law and our information security and record-retention policies.

12. Children’s Privacy

Our mortgage products and services are not directed to children under the age of 13, and we do not knowingly solicit personal information from children through our website.

13. State Privacy Rights

Residents of certain states may have additional rights regarding their personal information under applicable state privacy laws.

Where applicable, these rights may include the right to request information regarding the personal information we maintain, request correction or deletion of certain information, or exercise other privacy rights provided by law.

Certain information collected or processed by financial institutions may be exempt from some state privacy-law requirements when that information is governed by federal financial privacy laws such as the GLBA.

We will process applicable privacy requests in accordance with the laws governing the request.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or regulatory obligations.

When we make material changes, we will update the effective date shown at the top of this Privacy Policy and provide any additional notice required by applicable law.

15. Contact Us

If you have questions regarding this Privacy Policy or D Capital Mortgage’s privacy practices, please contact us:

D Capital Mortgage
10970 Arrow Rte Ste 211 Rancho Cucamonga, CA 91730
Telephone: 833-230-2926 

Website: www.dcapitalmtg.com