Privacy Policy

Effective date: [launch date]. Last updated: [date].

This website, askthebaldbroker.com, is run by Brian Ramos, Vice President at West Capital Lending, Inc. (NMLS 1566096). Brian's NMLS number is 246752. In this policy, "we" means Brian Ramos and West Capital Lending, Inc., and "the site" means askthebaldbroker.com.

This policy explains what the site collects, why, who receives it, and the choices you have. It covers this site only. West Capital Lending, Inc. has its own Privacy Policy and State Privacy Notice, which also apply once Brian begins working with you.

1. What we collect

Information you give us

• Your answers to the questions. What you are looking to do (buy, refinance, or use home equity) and the ranges you pick, such as price range, home value, amount owed, current rate range, down payment, and timing.
• Location. The state and ZIP code of the property.
• Contact details. First name, email address, and cell phone number.
• Your contact choice. Whether you checked the box agreeing to calls and texts, the exact wording you were shown, and the date and time.
• Anything you send Brian directly by phone, text, or email.

Information collected automatically

• Your IP address, the date and time, and the page you were on when you sent your answers.
• Basic technical details that every website receives, such as browser type and device type, kept in our hosting provider's logs.

What the site does not collect

• The site does not ask for your Social Security number, date of birth, income documents, or bank account numbers, and it does not pull your credit. Please do not send those through the site, by text, or by email.
• Numbers you enter in the debt payoff calculator stay in your browser. They are not sent to us.

2. How we use it

• To answer your question and contact you by call, text, or email.
• To understand your situation so Brian can explain your loan options.
• To keep a record of what you agreed to and when.
• To keep the site secure and block spam.
• To meet legal and licensing requirements.

3. Who we share it with

• West Capital Lending, Inc., the licensed company Brian works for.
• Service providers that run the site for us: Bonzo (our customer contact and messaging system) and Vercel (website hosting). They may use your information only to provide their service to us.
• Calendly, only if you choose to book a call. The booking link takes you to Calendly's website, and Calendly's own privacy policy applies there.
• Authorities, when the law requires it, or to protect our rights or someone's safety.

We do not sell your personal information. We do not share it with other companies for their own marketing.

4. Text messages

If you agree to receive texts, message frequency varies and message and data rates may apply. Reply STOP to stop and HELP for help. Agreeing to texts is not a condition of getting a loan or any other service. Carriers are not liable for delayed or undelivered messages.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent are not shared with any third parties. See the SMS Terms.

5. Cookies, tracking, and Do Not Track

[Confirm before launch: This site does not use advertising cookies or analytics tools, and it does not track you across other websites. Because of that, the site does not change how it behaves when your browser sends a Do Not Track signal. No other companies collect personal information about your activity over time and across different websites when you use this site.]

You can set your browser to refuse cookies. The site will still work.

6. Your choices and rights

• See, correct, or delete your information. Contact us using the details below and we will respond.
• Stop texts. Reply STOP to any text.
• Stop emails. Use the unsubscribe link in any email, or tell Brian.
• Stop calls. Tell Brian, and we will add you to our internal do-not-call list.

California and other state privacy rights. Depending on where you live, you may have added rights, such as the right to know what is collected, to delete it, to correct it, and to opt out of the sale or sharing of personal information. West Capital Lending, Inc. handles these requests. See its State Privacy Notice for how to make a request, or use its Do Not Sell or Share My Personal Information page. We will not treat you differently for using these rights.

California "Shine the Light." We do not disclose personal information to third parties for their direct marketing purposes.

7. If you apply for a loan

Answering the questions on this site is not a loan application. If you later apply for a loan, West Capital Lending, Inc. will collect more information and will give you its federal privacy notice (the Gramm-Leach-Bliley Act notice), which explains how that information is handled. You can read it here: West Capital Lending, Inc. GLBA Privacy Policy.

8. How long we keep it

We keep your information as long as needed for the purposes above and to meet recordkeeping rules that apply to mortgage companies. [Compliance to state the retention period.]

9. How we protect it

We use reasonable safeguards, including encrypted connections and limited access. No website or system can be guaranteed to be completely secure.

10. Children

This site is for adults. It is not directed to children under 13, and we do not knowingly collect information from them. If you believe a child has sent us information, contact us and we will delete it.

11. Changes to this policy

If we change this policy, we will post the new version on this page and update the dates at the top. If a change is significant, we will also post a notice on the home page.

12. Contact