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Privacy Policy
Your privacy matters to us. Learn how Bay Arealty collects, safeguards, and uses your personal information. We are committed to ensuring your data privacy and security across all our mortgage and real estate services.
Trusted by over 2,500 California families
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PRIVACY POLICY
Effective Date: 12/01/2025
Last Updated: 04/14/2026
BayArealty.com ("Company," "we," "us," or "our") is committed to protecting the privacy, security, and rights of every individual who visits our website, submits information through our forms, communicates with us via SMS/MMS text messaging, email, or any other digital channel, or engages with our services in any capacity.
This Privacy Policy explains how we collect, use, store, and protect your information and the rights you have regarding your data.
This policy applies to all users of www.bayarealty.com and all associated subdomains, landing pages, and communication systems operated by BayArealty.com.
By using our website or submitting your information, you acknowledge and agree to the practices described in this Privacy Policy.
1. COMPANY INFORMATION
BayArealty.com
1313 N Milpitas Blvd, Suite 235
Milpitas, CA 95035
Phone: 408-662-5145
Email: bayarealty.genesisloans@gmail.com
Website: www.bayarealty.com
2. INFORMATION WE COLLECT
We collect information that you provide directly, information collected automatically, and information from service providers necessary to operate our business.
2.1 Personal Information You Provide
When you submit forms or contact us, we may collect:
Full name
Phone number
Email address
Mailing address
Property or service-related details
Employment or financial information (if required for services)
Any information you voluntarily submit
2.2 Communication Data
We may collect records of communications, including:
SMS/MMS messages
Emails
Phone call records (date, time, duration)
Contact form submissions
Support inquiries
2.3 Website Usage Data
We may automatically collect:
IP address
Browser type
Device information
Pages visited
Time spent on pages
Referring URLs
Approximate geographic location (based on IP)
2.4 Consent and Opt-In Records
We maintain records of SMS consent, including:
Date and time of opt-in
IP address used during opt-in
Consent checkbox record
Source of consent (website form only)
Opt-out records
SMS consent records are retained for compliance with CTIA and carrier requirements.
3. SMS / MMS TEXT MESSAGING (10DLC COMPLIANCE)
3.1 Compliance Commitment
BayArealty.com operates fully compliant A2P SMS programs under 10DLC regulations, including TCPA and CTIA guidelines.
3.2 How We Collect SMS Opt-In Consent
Consent to receive SMS/MMS messages from BayArealty.com is collected exclusively through our website at https://www.bayarealty.com.
Users provide consent by submitting a form and affirmatively selecting an unchecked SMS consent checkbox before submission.
The checkbox clearly discloses that users agree to receive SMS messages related to their inquiry, appointment scheduling, service updates, and account-related notifications.
The checkbox is never pre-selected, and submission is not possible without explicit user consent.
We do not collect SMS consent through keywords, third-party sources, or offline methods.
3.3 What SMS Messages You May Receive
After opting in, you may receive SMS/MMS messages from BayArealty.com that are strictly transactional and service-related. These messages are triggered by your interaction with our platform.
These messages may include:
Confirmation of form submission or inquiry receipt
Appointment reminders and scheduling notifications
Follow-up communications related to your request
Status updates related to your application or service request
Important service or account-related notifications
Responses to questions or support requests
We do not send promotional, marketing, or advertising messages through our SMS program.
3.4 Message Frequency
Message frequency varies depending on your interaction with our services and is limited to relevant service events.
3.5 Message and Data Rates
Standard message and data rates may apply based on your carrier plan. BayArealty.com does not charge any SMS fees.
3.6 How to Opt Out
You may opt out at any time by replying:
STOP, CANCEL, END, or UNSUBSCRIBE
You will receive a final confirmation message and no further SMS messages will be sent unless you opt in again.
3.7 Help
Reply HELP for assistance or contact us:
Email: bayarealty.genesisloans@gmail.com
Phone: 408-662-5145
Website: www.bayarealty.com
3.8 No Third-Party Sharing of SMS Data
We do not sell, rent, share, or transfer your mobile number or SMS opt-in consent to any third party for marketing purposes.
SMS consent is strictly used for communications from BayArealty.com only.
4. EMAIL COMMUNICATIONS
4.1 Email Consent
By providing your email address, you may receive email communications related to your inquiry or service engagement.
4.2 Types of Emails
We may send:
Transactional emails (required for service delivery)
Account or service notifications
Appointment confirmations and updates
Marketing emails (only if separately opted in)
4.3 CAN-SPAM Compliance
All marketing emails comply with CAN-SPAM requirements, including:
Clear sender identification
Physical mailing address
Unsubscribe option in every email
Accurate subject lines
Timely opt-out processing
4.4 Opt-Out
You may unsubscribe at any time using the unsubscribe link or by contacting us directly.
5. AFFILIATE AND THIRD-PARTY RELATIONSHIPS
BayArealty.com may work with third-party service providers, lenders, and partners to support service delivery.
We do not sell or share your personal information, including SMS consent data, with third parties for their marketing purposes.
If a referral is ever made, it is only done with your explicit consent and only for service fulfillment purposes.
6. HOW WE USE YOUR INFORMATION
We use your information to:
Respond to inquiries
Provide requested services
Send transactional SMS and emails
Schedule appointments
Process service requests
Improve website functionality
Maintain compliance records
Prevent fraud or misuse
Comply with legal obligations
7. HOW WE SHARE YOUR INFORMATION
We only share information:
With your explicit consent
With service providers under strict confidentiality
When required by law
During business transfers (merger or acquisition)
In anonymized or aggregated form
We never sell personal data.
8. COOKIES AND TRACKING
We use cookies to:
Improve website performance
Analyze traffic
Enhance user experience
Support analytics and advertising tools
You may disable cookies in your browser settings.
9. DATA RETENTION
We retain data only as long as necessary:
SMS records: minimum 4 years
Email records: based on business relationship
Lead data: up to 7 years where required
Analytics data: per platform policy
After retention periods, data is securely deleted or anonymized.
10. DATA SECURITY
We use industry-standard security measures including:
SSL encryption
Secure servers
Access controls
Internal data protection policies
No system is 100% secure, but we take all reasonable steps to protect your data.
11. YOUR RIGHTS
You may request:
Access to your data
Correction of data
Deletion of data
Copy of your data
Opt-out of communications
Contact: bayarealty.genesisloans@gmail.com
12. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)
California residents may request:
Information about data collected
Deletion of personal data
Correction of inaccurate data
Opt-out of data sale (we do not sell data)
13. CHILDREN'S PRIVACY
We do not knowingly collect data from individuals under 18.
14. THIRD-PARTY SERVICES
We may use trusted vendors such as:
Twilio (SMS delivery)
Email service providers
Analytics tools
CRM systems
Each provider has its own privacy policy.
15. CHANGES TO THIS POLICY
We may update this Privacy Policy at any time. Updates will be posted with a revised "Last Updated" date.
16. CONTACT US
BayArealty.com
1313 N Milpitas Blvd, Suite 235
Milpitas, CA 95035
Email: bayarealty.genesisloans@gmail.com
Phone: 408-662-5145
Website: www.bayarealty.com
We respond within 2–3 business days.
© 2026 BayArealty.com. All Rights Reserved.
What Our Clients Say
We were first-time buyers and had no idea where to start. Our loan officer walked us through every step, answered our calls even on weekends, and helped us close in just 31 days. We got a better rate than we ever expected!
Maria & Jose R., San Jose
First-Time Home Buyers
I was refinancing my home and shopped around with several lenders. Bayarealty beat every quote I received and the process was incredibly smooth. My monthly payment dropped by over $400. Highly recommend their team!
David Thompson, Milpitas
Home Refinance
As a self-employed borrower, I thought getting approved would be a nightmare. The team here worked with my bank statements and found the perfect loan program for me. Professional, responsive, and genuinely caring people.
Priya Sharma, Fremont
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