Effective Date: January 1, 2026
Shaun Ingram, Branch Manager (NMLS #1972074), operating under West Capital Lending, Inc. (NMLS #1566096 · Cal. DRE #02022356). In this policy, "we," "us," or "our" refers to West Capital Lending, Inc.
Important Notice Regarding Text Messaging Data
We DO NOT share customer SMS opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.
1. Information We Collect
As a mortgage brokerage, we collect information necessary to evaluate and facilitate loan applications. This may include:
Personal & Identifying Information:
- Name, email address, phone number, mailing and property addresses
- Date of birth and Social Security number or taxpayer identification number
- Government-issued identification
Financial Information:
- Income, employment history, and assets
- Bank statements, tax returns, and pay documentation
- Credit history and credit scores obtained from consumer reporting agencies
- Existing debts, liabilities, and property information
Non-Personal & Technical Information:
- IP address, browser type, and device information
- Website usage patterns and analytics
- Cookies and similar technologies
Communication Records:
- Records of inquiries, applications, and service requests
- Appointment details and preferences
- Communication history, consent records, and opt-in timestamps
2. How We Use Your Information
- Evaluate, process, and facilitate your loan application
- Shop your loan scenario across wholesale lenders to identify suitable programs
- Verify your identity and prevent fraud
- Communicate with you about your application, appointments, and relevant updates
- Comply with applicable federal and state lending, licensing, and disclosure requirements
- Improve our website functionality and services
- Maintain records of your communication preferences and consent
3. Non-Public Personal Information & GLBA
All consumer loan data you provide is treated as Non-public Personal Information (NPI) protected under the Gramm-Leach-Bliley Act (GLBA). Sensitive information such as your Social Security number, income, and credit information is not collected through standard website contact forms. When you are ready to apply, you will be directed to West Capital Lending's secured application portal or a secure channel. Any page that collects NPI is subject to WCL's GLBA safeguards.
4. Credit Reporting & Financial Data
To evaluate loan applications, we obtain and use consumer credit reports and related financial data in accordance with the Fair Credit Reporting Act (FCRA) and GLBA. We access your credit information only for permissible purposes connected to your loan inquiry or application, and we maintain safeguards designed to protect this sensitive information.
5. SMS Messaging & Compliance
Text Message Program Terms & Conditions
By opting into our SMS messaging services, you agree to receive text messages related to our services, including application updates, appointment reminders, customer support, and important loan-related communications.
Opt-In & Consent:
- You will only receive messages if you have explicitly opted in
- We maintain timestamped records of all opt-in actions
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
Opt-Out Instructions:
- You can cancel SMS notifications at any time by replying "STOP"
- You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
- All opt-out requests are processed immediately
Message Frequency & Content:
- Message frequency varies based on your interactions with our business and the status of your application
- Messages will be directly related to the services you have requested
- We do not send promotional content without specific consent
Help & Support:
- Reply "HELP" for assistance or contact us at [email protected]
- Customer support is available during regular business hours
Carrier Information:
- Standard message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers
SMS Data Protection Statement
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
6. Information Sharing & Disclosure
We do not sell or rent your personal information. Because mortgage brokering requires it, we may share your information as follows:
Lenders & Investors:
- Wholesale lenders, banks, and investors to whom we submit your loan scenario for pricing, underwriting, and funding
Service Providers:
- Consumer reporting agencies, appraisers, title and escrow companies, and other parties necessary to process and close your loan
- Technology, document-processing, and support vendors
- SMS aggregators and providers solely for delivering messages you have consented to receive
- All service providers are contractually obligated to maintain confidentiality and security
Legal & Regulatory Compliance:
- Regulators, licensing authorities, and government agencies as required by law
- In response to valid law enforcement requests, subpoenas, or court orders
Business Transfers:
- In connection with a merger, acquisition, or sale of assets, subject to this policy
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
7. Data Security
- Encryption of sensitive data in transit and at rest
- Secure access controls and authentication mechanisms
- Regular security assessments and updates
- Employee training on data protection and privacy
- Breach notification protocols in accordance with applicable laws
- Secure backup systems and disaster recovery procedures
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your information but cannot guarantee absolute security.
8. Cookies & Tracking Technologies
We use cookies and similar technologies to analyze site traffic and user behavior, remember your preferences, improve website functionality, and measure the effectiveness of our services. You may control cookies through your browser settings, though disabling them may limit certain features of our website.
9. Your Rights & Choices
- Access, update, or request deletion of your personal information
- Opt out of marketing emails by clicking "unsubscribe" in our emails
- Opt out of SMS messages by replying "STOP"
- Request information about how we collect, use, and share your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory or regulatory authority
California Residents: Under the California Consumer Privacy Act (CCPA/CPRA), California residents have additional rights regarding their personal information, including the right to know what personal information is collected, to request deletion, and to opt out of the sale or sharing of personal information. We do not sell personal information. To exercise these rights, contact us using the information in Section 11.
10. Third-Party Links
Our website may contain links to third-party websites, including West Capital Lending corporate resources, lenders, and regulatory resources. We are not responsible for the privacy practices of third parties and encourage you to review their policies. This privacy policy applies only to information collected by us.
11. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at:
Shaun Ingram, Branch Manager (NMLS #1972074)
West Capital Lending, Inc. (NMLS #1566096 · Cal. DRE #02022356)
Phone: 1 (605) 525-0909
Email: [email protected]
Website: https://ingramcapitallending.com/
Address: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614
By using our website and services, you consent to this Privacy Policy.