Privacy Policy

Introduction

Good Life Lending ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (goodlifelendingca.com), contact us, or apply for mortgage products and services.

By using our website or providing your information to us, you agree to the practices described in this policy. If you do not agree with the terms of this policy, please do not access the site or submit personal information.

Information We Collect

We may collect the following categories of information:

Personal Information

• Full name, email address, phone number, and mailing address
• Social Security number (for credit inquiries and loan applications)
• Date of birth and government-issued identification
• Employment information, income, and financial history
• Property information and purchase details
• Credit history and credit scores (obtained with your written consent)

Automatically Collected Information

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URL
• Device information and screen resolution
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan application
• Communicate with you about your application status and loan options
• Verify your identity, income, employment, and creditworthiness
• Comply with federal and state lending regulations
• Respond to your inquiries and provide customer support
• Send you relevant information about our products and services (with your consent)
• Improve our website, services, and customer experience
• Prevent fraud and protect the security of our systems

How We Share Your Information

We do not sell your personal information to third parties. We may share your information with:

• Lending partners and investors — to process and fund your mortgage loan
• Credit reporting agencies — to obtain credit reports as part of the application process
• Title companies and appraisers — to facilitate your real estate transaction
• Government agencies — as required by HMDA, ECOA, RESPA, and other federal and state regulations
• Service providers — who assist us with technology, marketing, and compliance (bound by confidentiality agreements)
• Legal authorities — when required by law, subpoena, or legal process

Your Rights Under California Law

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have specific rights regarding their personal information:

• Right to Know: You can request details about the personal information we have collected about you, the sources, the business purpose, and the categories of third parties with whom we share it.
• Right to Delete: You can request deletion of your personal information, subject to certain exceptions (such as regulatory record-keeping requirements).
• Right to Opt Out of Sale: We do not sell personal information. If this changes, we will provide a clear opt-out mechanism.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
• Right to Correct: You can request correction of inaccurate personal information.

To exercise any of these rights, contact us at selvin@goodlifelendingca.com or call (626) 681-3844.

Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage lender, we are subject to the Gramm-Leach-Bliley Act, which requires financial institutions to explain their information-sharing practices and to safeguard sensitive data. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information.

Data Security

We use industry-standard security measures to protect your personal and financial information, including encrypted data transmission (SSL/TLS), secure file storage, access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking

Our website uses cookies and similar technologies to improve your browsing experience, analyze site traffic, and understand where our visitors come from. You can control cookies through your browser settings. Disabling cookies may limit some functionality of our website.

Third-Party Links

Our website may contain links to third-party websites (such as NMLS Consumer Access, government agencies, or partner services). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (including federal record retention requirements for mortgage transactions), resolve disputes, and enforce our agreements. Mortgage-related records are typically retained for a minimum of three years after loan closing, as required by federal regulation.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a minor, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: