Privacy Policy

•  PRIVACY POLICY

This Privacy Policy describes how Golden West Alliance, Inc., doing business as Provident Lending Group, collects, uses or discloses personal information we receive through any of our website(s) and mobile applications (the “Site”) that connect to this Privacy Policy and through any other online services we offer (collectively, the “Services”). This Policy also describes the choices you have concerning our use of your information. Please review the information below to better understand the safeguards and policies at the Site. By using the Site, you agree to the collection and use of your information in accordance with this Privacy Policy and our Terms of Use.

Please note that if you are, or apply to become, our client, with respect to products or services to be used primarily for personal, family or household purposes, you have certain additional privacy rights, available at: https://www.ftc.gov/enforcement/statutes/gramm-leach-bliley-act

WHAT DOES THE PRIVACY POLICY APPLY TO?

This Site and the Services are operated by Golden West Alliance Inc. doing business as Provident Lending Group. (“Provident Lending Group”, “us”, or “our”). This Privacy Policy applies to the Site and our Services only. The Privacy Policy does not cover the privacy practices of any other company.

WHAT INFORMATION DO WE COLLECT?

In order to better provide you with our Services, we may collect the following categories of information:

• Profile and contact information such as your name, email address, telephone number;
• Other information you provide such as by filling out forms on our Services or when reporting a problem or issue to us;
• Communications between you and us, such as via email, online or other channels;
• Publicly available information from public access sources and other third parties in accordance with the law; and
• Online User Activity as described in the next section.

Online User Activity, Cookies, And Information Collected By Other Automated Means

We, our service providers, and advertising partners may collect certain information about your device and use of our Services by automated means, including cookies and other similar technologies (“Online User Activity”). For example, a cookie is a file that may be placed on your device when using our Services to uniquely identify you or store information on your device for later retrieval. Cookies are very commonly used by websites and most browsers are configured by default to accept cookies.

Cookies are commonly used to allow websites and apps to store and retrieve certain information on a user’s system, and track users’ online activities. We may collect information about your use of our Site by such automated means.

Cookies and these other technologies can help us automatically identify you when you return to our Services. Cookies help us review website traffic patterns and improve the Site, and determine what Services are popular. We can also use such information to deliver customized content and advertising to users of the Services whose behavior indicates that they are interested in a particular subject area.

When you use the Services, the information that we may collect by automated means includes, for example:

• Usage Details about your interaction with our Services (such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, referring website addresses);
• Device Information including the IP address and other details of a device that you use to connect with our Services (such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number); and
• Location information, where you choose to provide us with information about your device’s location and subject to your device settings.

Our Site is not designed to respond to “do not track” signals received from browsers.

WHAT DO WE USE YOUR INFORMATION FOR?

Any of the information we collect from you may be used in one or more of the following ways:

• To provide and improve customer service – Your information helps us to more effectively respond to your customer service requests and support needs.
•  
• To improve our Site and Services – Your information and usage information is used to better understand network behavior, trends, and detect potential outages and technical issues.
•  
• To process transactions – Except as provided in this Privacy Policy your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent.
•  
• To send periodic emails – The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
•  
• To fulfill your requests to access, purchase, and use our Services, and to provide you with the services you request from us, including by others involved in the fulfillment of your request.
•  
• To provide you with notices such as communications about home loans and changes to our terms, conditions, and policies.
•  
• To communicate with you – via telephone, email mail, SMS, or other means – as may be required in the context of our business relationship related to your access, purchase, or use of our Services.
•  
• To prevent fraud and spam – Your information may be used to prevent, detect, and investigate fraud, security breaches, potentially prohibited or illegal activities, protect our trademarks and enforce our Terms of Use.
•  
• For internal purposes such as auditing, analysis to improve our Site or Services, or our advertising.
•  
• For marketing purposes.

We limit marketing to a reasonable and proportionate level and only send you communications which we believe may be of interest or relevance to you. You can stop email marketing at any time by following the unsubscribe link you will find on all the email marketing messages we send you. If you unsubscribe from our marketing communications, we may be unable to notify you of tailored services or offers to meet your needs. If you unsubscribe from marketing communications from us, you will still receive operations and service messages from us regarding your account.

HOW DO WE SHARE YOUR INFORMATION?

We may disclose your personal information to third parties in the following circumstances:

• We may share your information as permitted by law, including, for example, with our corporate affiliates and service providers that we believe need the information to perform a technology, business, or other professional function for us (examples include IT services, maintenance and hosting of our Services, marketing partners, and other service providers). We provide such vendors with information so that they can perform their required functions on our behalf.
•  
• If you voluntarily share or submit any content including contact information (e.g., name) or content (e.g., picture), or commentary (e.g., review) for posting through our Services, or link it to any social media platforms, that post and any information associated with it may become available to the public.
•  
• We may also disclose information about you: (i) if we are required to do so by law or legal process; (ii) when we believe disclosure is necessary to prevent harm or financial loss; (iii) in connection with an investigation of suspected or actual fraudulent or illegal activity; or (iv) under exigent circumstances to protect the personal safety of our staff, users, or the public.
•  
• We may share in aggregate, statistical form, non-personal information regarding the visitors to our Site and Services, traffic patterns, and usage with our partners, affiliates, or advertisers.
•  
• We reserve the right to transfer the information that we maintain in the event that we sell or transfer all or a portion of our business or assets. If we engage in such a sale or transfer, we will make reasonable efforts to direct the recipient to use your personal information in a manner that is consistent with this Privacy Policy.

Where appropriate, we will limit sharing of your information in accordance with the choices that you have provided us and applicable law.

HOW DO WE PROTECT YOUR INFORMATION?

We maintain administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure or use.

LINKS TO THIRD PARTY SITES

Our Site may contain links to other websites for your convenience and information. These websites may be operated by companies not affiliated with Provident Lending Group. Linked websites typically have their own privacy policies or notices, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of any websites that are not affiliated with Provident Lending Group, any use of those websites, or the privacy practices of those websites.

YOUR PRIVACY RIGHTS

California Residents

CCPA PRIVACY NOTICE

This CCPA PRIVACY NOTICE is for California residents only and  supplements the information contained in the Privacy Statement of Provident Lending Group  and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, client’s, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.  Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Personal information does not include:

• Publicly available information from federal, state or local government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, such as personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services that we are asked to perform.
• Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
• Directly and indirectly from activity on our website (www.plghomeloans.com). For example, from submissions through our website portal or website usage details collected automatically.
• From third-parties that interact with us in connection with the services we perform. For example, credit reporting agencies, appraisers and other service providers.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare a rate quote or ask a question about our products or services, we will use that personal information to respond to your inquiry.
•  
• To provide, support, personalize and develop our Website, products and services.
• To provide you with information, products or services that you request from us.
• To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• For testing, research, analysis and product development.
• As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
• To respond to audits or state or federal examinations by our regulators.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose.  When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We disclose your personal information for a business purpose to the following categories of third parties:

• Our affiliates.
• Service providers.
• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 ).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 877-556-2655.
• Visiting us at www.plghomeloans.com
• Emailing us at contact@plghomeloans.com
•  

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

•  
• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
•  
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.  Making a verifiable consumer request does not require you to create an account with us.  We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.  Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt.  If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.  If you have an account with us, we will deliver our written response to that account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.  Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt.  The response we provide will also explain the reasons we cannot comply with a request, if applicable.  For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (877) 556-2655
Website: www.plghomeloans.com
Email: contact@plghomeloans.com
Postal Address: 330 N. Brand Blvd., Suite 320, Glendale, CA 91203
Attn: Client Support

CHILDREN’S ONLINE PRIVACY PROTECTION ACT COMPLIANCE

We do not knowingly collect information online from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, please contact us at privacy@plghomeloans.com.

CHANGES TO OUR PRIVACY POLICY

We reserve the right to update and modify this Privacy Policy at any time. Your use of the Site constitutes your agreement to the policies and procedures set forth in this Privacy Policy. If our information practices change, we will post these changes on the Site. Your use of the Site following the posting of such changes to the Privacy Policy will constitute your acceptance of such changes on the Site. We encourage you to review our Privacy Policy periodically.

This policy was last modified on 3/11/2022.

CONTACTING US

If there are any questions regarding this Privacy Policy, you may contact us using the information below.

privacy@plghomeloans.com

Provident Lending Group

330 N. Brand Blvd. Suite 320

Glendale, CA 91203

(877) 556-2655