Privacy Policy

Effective Date: January 1, 2026

Introduction

EZ Loans (NMLS #2543934), a subsidiary of Egelko Enterprises, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and interact with our services.

Information We Collect

We collect information you provide directly to us, including:

• Name, address, phone number, and email address
• Financial information (property details, loan amount, equity information)
• Credit history and financial documents
• Identification information required for loan underwriting
• Communication preferences and inquiry details

We also collect information automatically when you visit our website:

• IP address and browser type
• Pages visited and time spent on our site
• Device information and operating system
• Referral source and clickstream data

How We Use Your Information

We use the information we collect to:

• Process and underwrite loan applications
• Evaluate creditworthiness and financial capacity
• Communicate with you about your loan status and funding options
• Comply with federal and state lending regulations
• Improve our website and user experience
• Send marketing communications (with your consent)
• Prevent fraud and maintain security
• Respond to inquiries and customer service requests

Sharing of Information

We may share your information with:

• Loan service providers and underwriting partners
• Title and escrow companies
• Credit reporting agencies
• Legal and financial advisors
• Government agencies as required by law
• Regulatory authorities (NMLS, DRE, DFPI)

EZ Loans does NOT sell your personal information to third parties for marketing purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience, remember your preferences, and analyze site usage. You may control cookie settings through your browser. Disabling cookies may affect website functionality.

Security of Your Information

We implement industry-standard security measures to protect your personal information, including encryption, secure data storage, and restricted access. However, no transmission over the internet is completely secure. We cannot guarantee absolute security but maintain rigorous safeguards.

California Consumer Privacy Rights (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act:

• Right to Know: You may request what personal information we collect, use, and share
• Right to Delete: You may request deletion of personal information we have collected
• Right to Opt-Out: You may opt out of the sale or sharing of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

To exercise these rights, contact us at erik@egelko.com with "CCPA Request" in the subject line.

Data Retention

We retain personal information for as long as necessary to provide our services, comply with legal obligations, and resolve disputes. After a loan is closed or an application is denied, we retain information in accordance with federal and state requirements.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of external sites. Please review their privacy policies before providing personal information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on our website and updating the effective date. Your continued use of our website constitutes acceptance of the updated policy.

Contact Us

For privacy inquiries, concerns, or to exercise your privacy rights, please contact: