Privacy Policy

Overview

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans (“Wolf Real Estate & Loans,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, protect, and retain personal information when you visit wolf.loans, submit an inquiry, apply for a mortgage loan, use our website, use our loan application or loan origination system (“LOS”), communicate with us by phone, text, email, online form, secure portal, or otherwise request mortgage, real estate, or related services.

This Privacy Policy applies to our website, online forms, mortgage application systems, client portals, communications, and related services.

If you apply for a mortgage loan or other financial product, you may also receive a separate federal privacy notice under the Gramm-Leach-Bliley Act (“GLBA”) and Regulation P. That notice may describe additional financial privacy rights and information-sharing practices that apply to mortgage applicants and customers.

1. Who We Are

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans

California DRE 02064508 | Company NMLS 1830991

David Wolf: California DRE 01420938 | NMLS 1826415

Website: https://wolf.loans

Email: info@wolf.loans

Phone: 800-266-8663

Mailing Address: 13649 Glen Canyon Dr, Corona, CA 92883

2. Information We Collect

We may collect personal information directly from you, from co-borrowers, from authorized representatives, from real estate agents, from lenders, from credit reporting agencies, from employers, from financial institutions, from verification providers, from title and escrow companies, from insurance providers, from public records, from service providers, and from other parties involved in your inquiry, loan application, real estate transaction, or requested services.

The information we collect may include the categories below.

A. Identifying And Contact Information

Name, mailing address, property address, email address, phone number, date of birth, marital status when relevant, government identification information, Social Security number, and other information needed to identify or contact you.

B. Mortgage, Credit, And Financial Information

Loan application information, income, employment history, assets, bank statements, tax returns, W-2s, 1099s, paystubs, debts, liabilities, credit history, credit reports, credit scores, mortgage balances, payoff information, bankruptcy, foreclosure, judgment, lien, child support, alimony, rental, investment, and other financial information relevant to evaluating mortgage options, loan eligibility, underwriting, compliance, or real estate services.

C. Property And Transaction Information

Purchase contracts, listing information, property addresses, occupancy, title and escrow information, insurance information, HOA information, appraisal-related information, property tax information, closing information, refinance information, real estate transaction history, and other documents or details related to a property, purchase, refinance, sale, or loan file.

D. Verification And Compliance Information

Identity verification information, fraud-prevention information, employment verification, income verification, asset verification, public-record information, licensing or regulatory information, consent records, electronic signature records, audit trails, communication logs, disclosure records, and other information needed to comply with law, lender requirements, investor requirements, underwriting standards, or risk-management obligations.

E. Communications

Emails, text messages, voicemails, phone call details, recorded calls where permitted by law, online form submissions, chat messages, uploaded documents, secure portal messages, support requests, notes, and other communications between you and us or between us and third parties involved in your transaction.

F. Website And Device Information

IP address, browser type, device type, operating system, pages viewed, referring pages, approximate location derived from IP address, form interactions, cookies, analytics data, and other usage information collected when you visit our website or interact with our online systems.

G. Sensitive Personal Information

Some information we collect may be considered sensitive personal information, such as Social Security number, driver’s license or identification information, financial account information, credit information, income documentation, tax documents, and transaction-related financial information. We use this information only for purposes reasonably necessary to provide mortgage, real estate, transaction, compliance, fraud-prevention, security, legal, or related services.

3. How We Use Information

We may use personal information to:

• Respond to your inquiries.
• Provide mortgage broker, refinance review, pre-approval, purchase loan, refinance, real estate, and related services.
• Evaluate mortgage options, loan eligibility, pricing, program availability, and underwriting requirements.
• Prepare, process, submit, manage, or support a loan application.
• Obtain or review credit reports and related information when authorized or permitted by law.
• Verify identity, income, employment, assets, occupancy, property information, insurance, title, escrow, and other transaction details.
• Communicate with wholesale lenders, mortgage lenders, investors, title companies, escrow companies, real estate agents, appraisers, insurance providers, verification providers, credit reporting agencies, and other parties involved in your transaction.
• Provide disclosures, notices, documents, and status updates.
• Support electronic signatures, document uploads, secure portals, and loan origination workflows.
• Prevent fraud, unauthorized access, identity theft, money laundering, or other illegal or harmful activity.
• Comply with federal, state, and local laws, licensing requirements, regulatory requests, audit requirements, investor requirements, lender requirements, court orders, subpoenas, and other legal obligations.
• Improve our website, services, systems, security, customer experience, and communications.
• Send service-related messages, transaction updates, appointment reminders, document requests, and other communications related to your inquiry, application, or transaction.
• Send marketing communications where permitted by law and subject to your communication preferences.
• Maintain business records, loan records, compliance files, accounting records, and internal documentation.

4. How We Share Information

We do not sell your mortgage application information.

We may disclose personal information when reasonably necessary to provide services, process your loan, support your real estate transaction, comply with law, protect our business, or operate our systems. This may include disclosure to the categories below.

A. Mortgage And Real Estate Transaction Parties

Wholesale lenders, mortgage lenders, investors, loan servicers, credit reporting agencies, verification providers, underwriting platforms, title companies, escrow companies, real estate agents, appraisers, insurance providers, homeowners associations, inspectors, notaries, settlement service providers, and other parties involved in your loan, purchase, sale, refinance, or related transaction.

B. Service Providers And Technology Vendors

Loan origination system providers, CRM providers, secure document portals, email providers, cloud storage providers, website hosts, analytics providers, e-signature providers, compliance vendors, IT/security providers, payment processors, communication providers, and other vendors that help us operate our business.

C. Professional Advisors

Attorneys, accountants, auditors, compliance consultants, insurance providers, and other professional advisors.

D. Government, Regulatory, Legal, And Compliance Recipients

Federal or state regulators, licensing agencies, law enforcement, courts, government agencies, auditors, investors, lenders, and other parties when disclosure is required or permitted by law, regulation, subpoena, court order, examination, audit, or legal process.

E. Business Transfers

If we are involved in a merger, acquisition, sale, financing, restructuring, transfer of assets, or similar transaction, personal information may be disclosed or transferred as part of that transaction, subject to applicable law and confidentiality protections.

F. With Your Consent Or Direction

We may share information when you authorize us to do so, direct us to do so, or when sharing is necessary to complete a transaction or service you requested.

5. Credit Reports And Loan Application Information

If you apply for a mortgage loan, request a pre-approval, request a refinance review, or authorize us to evaluate your credit or loan eligibility, we may obtain credit reports and related information from consumer reporting agencies and other verification sources, subject to your authorization and applicable law.

Credit, income, asset, employment, property, and underwriting information may be shared with lenders, investors, credit reporting agencies, verification providers, underwriting systems, and other parties involved in evaluating, processing, closing, funding, or servicing your loan.

6. Communications, Calls, Emails, And Text Messages

By providing your phone number, email address, or other contact information, you authorize us to contact you about your inquiry, application, loan options, real estate services, transaction, account, or related services.

We may contact you by phone, text message, email, mail, secure portal, or other communication methods you provide or authorize. Communications may include service-related messages, appointment reminders, application updates, document requests, disclosure notices, closing updates, transaction communications, and other messages related to your inquiry, application, loan, or real estate transaction.

You agree that we may contact you at the phone number and email address you provide, including by text message, telephone call, prerecorded message, artificial voice, automated technology, or email, where permitted by law. This consent applies even if your number is listed on a corporate, state, or national Do Not Call Registry.

You also consent to calls being recorded or monitored for quality, training, compliance, documentation, and business purposes, where permitted by law. California is a two-party consent state for certain call recordings, so we may provide call-recording notices when required.

You may opt out of marketing emails by using the unsubscribe link, where available, or by contacting us. You may opt out of marketing text messages by replying STOP. You may ask us not to call you for marketing purposes by contacting us at info@wolf.loans or 800-266-8663.

Opting out of marketing communications does not prevent us from sending non-marketing communications related to an active inquiry, application, transaction, loan, account, legal notice, document request, or service relationship.

7. Cookies, Analytics, And Online Tracking

Our website and online systems may use cookies, pixels, analytics tools, log files, and similar technologies to operate the site, remember preferences, understand website usage, improve performance, detect fraud or security issues, and evaluate marketing effectiveness.

These technologies may collect information such as IP address, browser type, device type, pages viewed, referring pages, session activity, approximate location, and interactions with forms or website features.

You can usually adjust your browser settings to block or delete cookies. Some website features may not work properly if cookies are disabled.

At this time, we do not use website tracking to sell mortgage application information. If we use advertising or analytics tools that are considered a “sale” or “sharing” of personal information under applicable privacy law, we will provide any required opt-out mechanism.

8. Do Not Track And Global Privacy Controls

Some browsers offer “Do Not Track” signals. Because there is not a uniform industry standard for responding to Do Not Track signals, our website may not respond to them.

Where required by applicable law, we will honor legally recognized opt-out preference signals, such as Global Privacy Control, for activities that constitute a sale or sharing of personal information.

9. How We Protect Information

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, misuse, or destruction.

These safeguards may include access controls, password protection, multi-factor authentication where appropriate, encryption or secure transmission methods, vendor oversight, secure document portals, employee training, physical safeguards, internal policies, and other security measures appropriate to the sensitivity of the information.

No method of transmission or storage is completely secure. You should use secure portals or other secure upload methods when submitting sensitive documents. Do not send Social Security numbers, tax returns, bank statements, or other highly sensitive information by unsecured email or through basic website forms unless specifically instructed and you accept the risk.

10. Retention Of Information

We retain personal information for as long as reasonably necessary to provide services, complete transactions, maintain business records, comply with legal, regulatory, licensing, lender, investor, tax, accounting, audit, and recordkeeping obligations, resolve disputes, enforce agreements, prevent fraud, and protect our rights.

Loan-related records may be retained for the period required by applicable mortgage, real estate, lending, licensing, investor, and regulatory requirements, even after a transaction is completed, withdrawn, cancelled, denied, or inactive.

11. Your Choices

Depending on your relationship with us and applicable law, you may have choices regarding your personal information, including the choices below.

Mortgage, credit, and compliance records may not always be eligible for deletion if we are required or permitted to retain them by law, regulation, lender requirement, investor requirement, contract, audit obligation, or legitimate business need.

• Requesting access to certain personal information.
• Requesting correction of inaccurate information.
• Requesting deletion of certain information, subject to legal and business-record exceptions.
• Opting out of marketing emails or marketing text messages.
• Asking us not to call you for marketing purposes.
• Limiting certain uses or disclosures where required by law.
• Requesting information about how we collect, use, and disclose personal information.
• Opting out of certain sales or sharing of personal information if applicable.

12. California Privacy Notice

If you are a California resident, California law may provide additional rights regarding certain personal information that is not otherwise exempt under federal or state financial privacy laws.

The categories of personal information we may collect are described in Section 2 above. The purposes for collection and use are described in Section 3 above. The categories of third parties or service providers to whom information may be disclosed are described in Section 4 above.

We may collect the following categories of personal information, depending on your interaction with us:

We use sensitive personal information only for purposes reasonably necessary to provide mortgage, real estate, transaction, security, compliance, fraud-prevention, legal, or related services.

We do not knowingly sell mortgage application information. We do not knowingly sell or share personal information of consumers under 16 years of age.

California residents may contact us to exercise applicable privacy rights. We may need to verify your identity before responding. You may also authorize an agent to submit a request on your behalf, subject to verification and applicable law.

We will not discriminate against you for exercising privacy rights.

• Identifiers, such as name, address, phone number, email address, IP address, government ID, and Social Security number.
• Personal information categories listed in California Civil Code section 1798.80, such as contact information, financial information, and insurance information.
• Protected classification information where relevant to a lawful mortgage or real estate process.
• Commercial information, such as services requested, loan products considered, transaction history, and property information.
• Internet or electronic network activity information, such as website usage and device information.
• Geolocation information, such as approximate location derived from IP address.
• Professional or employment-related information, such as employer, job title, employment history, and income information.
• Education information, if provided or relevant to a loan or employment verification.
• Inferences drawn from information you provide or from transaction-related information, such as loan preferences or product suitability.
• Sensitive personal information, such as Social Security number, government ID, financial account information, credit information, income documentation, tax information, and transaction-related financial details.

13. Financial Privacy And GLBA

Certain personal information collected in connection with mortgage loan inquiries, applications, servicing, or other financial services may be subject to the Gramm-Leach-Bliley Act, Regulation P, the Fair Credit Reporting Act, the California Financial Information Privacy Act, and other financial privacy laws.

Where those laws apply, our use and disclosure of information may be governed by those laws and by any GLBA privacy notice we provide to you. In some cases, financial privacy laws may limit or modify rights that would otherwise apply under general state privacy laws.

14. Third-Party Websites And Services

Our website or communications may contain links to third-party websites, lender portals, credit authorization systems, e-signature platforms, loan origination systems, payment platforms, social media platforms, or other services that we do not control.

This Privacy Policy does not apply to third-party websites or services. Their privacy policies and terms govern their collection and use of information. You should review those policies before providing information to third parties.

15. Children’s Privacy

Our services are intended for adults seeking mortgage, real estate, or related services. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete it.

16. Updates To This Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date above shows when this Privacy Policy was last revised. Changes are effective when posted unless otherwise stated.

17. Contact Us

If you have questions about this Privacy Policy, your personal information, or your privacy choices, please contact us:

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans

Attn: Privacy Request

13649 Glen Canyon Dr

Corona, CA 92883

Email: info@wolf.loans

Phone: 800-266-8663

Website: https://wolf.loans