Data Privacy & Security

Bay Arealty — Genesis Loans Data Privacy and Security Policy

NMLS #368880 | DRE #01447306

Effective Date

This Data Privacy and Security Policy is effective as of its posting date and applies to all personal and financial information collected by Bay Arealty — Genesis Loans.

Purpose

Bay Arealty — Genesis Loans ("Bay Arealty") is committed to protecting the privacy and security of the personal and financial information of our clients, prospective clients, and website visitors. This policy outlines our practices for collecting, using, sharing, and safeguarding your information in compliance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other relevant regulations.

Scope

This policy applies to all employees, agents, contractors, and third-party service providers of Bay Arealty — Genesis Loans who have access to personal and financial information.

Information We Collect

In the course of providing mortgage lending services, we may collect the following types of information:

• Personal Information: Name, address, date of birth, Social Security number, phone number, email address, and other identifying information.
• Financial Information: Income, assets, liabilities, credit history, bank account details, tax returns, and other financial records.
• Other Information: Property details, employment information, loan application data, and any other information you provide during the mortgage process.

How We Use Your Information

We use the information we collect for the following purposes:

• Loan Origination and Servicing: To process, underwrite, close, and service your mortgage loan application.
• Marketing: To inform you about products, services, and special offers that may be of interest to you, subject to your opt-out preferences.
• Compliance: To comply with applicable laws, regulations, and legal processes, including anti-money laundering (AML) and Know Your Customer (KYC) requirements.

How We Protect Your Information

Bay Arealty — Genesis Loans maintains robust administrative, technical, and physical safeguards to protect your personal and financial information:

• Administrative Safeguards: We maintain comprehensive information security policies and procedures, conduct regular risk assessments, and designate a security officer responsible for overseeing our data protection program.
• Access Controls: Access to personal and financial information is restricted to authorized personnel who need it to perform their job duties. We implement role-based access controls and require strong authentication measures.
• Data Encryption: We use industry-standard encryption to protect sensitive data during transmission and storage, including SSL/TLS protocols for website communications and encrypted databases.
• Vendor Management: We require all third-party service providers who handle personal information to maintain appropriate security measures and contractually obligate them to protect your data.
• Employee Training: All employees receive regular training on data privacy and security best practices, including recognizing and reporting potential security threats.

Sharing of Information

Bay Arealty — Genesis Loans does not sell or rent your personal information. We may share your information with the following parties as necessary to conduct our business:

• Affiliates: We may share information with our affiliated companies to provide you with a broader range of services.
• Service Providers: We may share information with third-party vendors who assist us with loan processing, underwriting, closing, servicing, and other operational functions.
• Other Parties: We may disclose information as required by law, regulation, or legal process, or to protect the rights, property, or safety of Bay Arealty — Genesis Loans, our clients, or others.

Your Rights

You have the following rights regarding your personal information:

• Access Your Information: You have the right to request access to the personal information we hold about you.
• Correct Your Information: You have the right to request that we correct any inaccurate or incomplete personal information.
• Delete Your Information: You have the right to request the deletion of your personal information, subject to certain legal exceptions and retention requirements.
• Opt-Out of Marketing: You have the right to opt out of receiving marketing communications from us at any time by contacting us or using the unsubscribe link in our emails.

Contact Us

If you have any questions about this Data Privacy and Security Policy, or if you wish to exercise any of your rights, please contact us:

Bay Arealty — Genesis Loans

1313 N Milpitas Blvd, Suite 235, Milpitas, CA 95035

Phone: +1 408-662-5145

Email: bayarealty.genesisloans@gmail.com

Policy Updates

Bay Arealty — Genesis Loans reserves the right to update or modify this Data Privacy and Security Policy at any time. Any changes will be posted on our website, and the effective date will be updated accordingly. We encourage you to review this policy periodically to stay informed about how we protect your information.

Disclaimer

Bay Arealty — Genesis Loans, NMLS #368880 | DRE #01447306, located at 1313 N Milpitas Blvd, Suite 235, Milpitas, CA 95035. Bay Arealty — Genesis Loans does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: https://www.nmlsconsumeraccess.org.