Privacy Policy

Last Updated:

Who We Are

21st Century Lending (“21CL,” “we,” “us,” or “our”) is a division of Full Realty Services, Inc., a licensed mortgage lender, NMLS #241835. This Privacy Policy describes how we collect, use, share, and protect personal information in connection with our mortgage lending services and this website (the “Site”).

This Privacy Policy applies to information we collect through the Site only. If you are a consumer or our customer, please refer to the GLBA privacy notice which you may have received from us for a description of our practices and procedures regarding compliance with privacy laws and/or regulations which may also be applicable to you, such as the federal Gramm-Leach-Bliley Act (“GLBA”).

BY ACCESSING OR USING THIS SITE, OR ANY PORTION THEREOF, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS PRIVACY POLICY.

This Privacy Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.

Information We Collect

We collect nonpublic personal information (“NPI”) about you from the following sources:

  • Information you provide on applications, forms, and other submissions (such as your name, address, Social Security number, income, employment, assets, and debts)
  • Information from your transactions with us, our affiliates, or others (such as your loan balance, payment history, and account activity)
  • Information from consumer reporting agencies (such as your credit history and credit score)
  • Information collected automatically when you visit our website (such as IP address, browser type, pages viewed, and cookies)

Cookies and Usage Data

By placing a small file known as a “cookie” on your computer (or other device), our servers and our third-party service providers passively gather information about visitors’ use of the Site. This includes the type of browser and device being used, your Internet protocol (“IP”) address, your home domain or Internet service provider, your referrer URL, which specific pages you access, how long you view each page, and the time and date of your visit.

We and our third-party service providers may use the information collected from cookies for security purposes (such as authentication), to facilitate site navigation, and to personalize your experience while visiting the Site. Most Internet browser applications allow you to configure the browser so as not to accept cookies. However, setting your browser to reject cookies may prevent you from taking full advantage of the Site.

Third-Party Analytics

Our Site may use third-party services such as Google Analytics and similar web analytics services. Google Analytics collects information such as how often users visit the Site, what pages you visit, and what other websites you used prior to visiting. Google Analytics collects only the IP address assigned to you on the date you visit, rather than your name or other identifying information. We do not combine the information collected through Google Analytics with your personal information.

Correspondence

If you correspond with us through the Site or via email, the collected information may include the content of, and metadata regarding, any correspondence you have with us. We may share your messages with those within our organization who are most capable of addressing the issues contained in your message.

How We Use Your Information

We use your personal information to:

  • Process your loan application and underwrite and fund your mortgage
  • Service your loan and manage your account
  • Comply with legal and regulatory requirements
  • Communicate with you about your loan or our services
  • Prevent fraud and address security issues
  • Improve our products, services, and the user experience
  • Respond to your inquiries and requests

Except as set forth in this Privacy Policy, we will not use, disclose, or transfer your collected information. SMS opt-in consent data will not be shared with third parties for promotional purposes.

How We Share Your Information

We do not sell your personal information. We may share your NPI in the following circumstances:

  • With our affiliates (such as Full Realty Services, Inc. and Century 21 Masters) for everyday business purposes
  • With nonaffiliated third parties as permitted or required by law (such as credit reporting agencies, appraisal services, title companies, government agencies, and investors who purchase or securitize your loan)
  • With service providers who perform services on our behalf under contractual agreements to safeguard your information
  • With your consent

We may also disclose collected information if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose information. We may use and disclose collected information to establish or exercise our legal rights, to assert and defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.

We may use and disclose certain aggregated, anonymized information, such as site usage data, to our trusted business partners. Such information may also be shared as permitted or required by applicable law.

Your Right to Opt Out

You have the right to limit certain types of information sharing. You may opt out of our sharing your NPI with nonaffiliated third parties for marketing purposes. To opt out, contact us at the information below. Your opt-out preference will remain in effect until you revoke it.

Protecting Your Information

We maintain physical, electronic, and procedural safeguards to protect your NPI in accordance with the GLBA Safeguards Rule and applicable state laws. Access to your information is restricted to employees and service providers who need it to perform their job duties. We require our service providers to protect the confidentiality and security of the information we share with them.

Linked Websites

For your convenience, some hyperlinks may be posted on the Site that link to other websites not under our control. We are not responsible for, and this Privacy Policy does not apply to, the privacy practices of those sites or of any companies that we do not own or control. We encourage you to seek out and read the privacy policy of each website that you visit.

Job Applicants

Any personal information you provide to us when applying for a job position will be used solely to consider and act upon your application. We may retain your personal information for a period of time, but only for as long as necessary for such purposes. We may disclose your personal information to our agents for the purpose of evaluating your qualifications.

Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act. These include the right to know what personal information we collect and how it is used, the right to request deletion of your personal information (subject to certain exceptions), the right to correct inaccurate personal information, and the right to opt out of the sale of your personal information. We do not sell your personal information.

To exercise your California privacy rights, contact us at [INSERT PRIVACY EMAIL OR PHONE] or submit a request through our Do Not Sell My Personal Information page.

Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. All information submitted through our Site must be submitted by the parents or legal guardians of the children to whom any such information relates.

Do Not Track Requests

California and Delaware laws require that we indicate whether we honor “Do Not Track” settings in your browser concerning targeted advertising. We adhere to the standards set out in this Privacy Policy and do not monitor or follow any Do Not Track browser requests.

Visiting from Outside the United States

If you are visiting the Site from outside of the United States, please be aware that your information may be transferred to, stored, or processed in the United States where our servers are located. By using any portion of the Site, you understand and consent to the transfer of your information to our facilities in the United States.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised effective date.

Contact Us

21st Century Lending, Attn: Privacy Officer
26305 Jefferson Ave., Ste. H
Murrieta, CA 92562