Privacy Policy

Not all Qualified Financial Inc. products or services are available in all states. This is not a commitment to lend.

CALIFORNIA

Under California law, we will not share information we collect about you with companies outside of Qualified Financial Inc. unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. Rev. 08/2013.

CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

This CCPA PRIVACY NOTICE is for California residents only and supplements the information contained in the Privacy Statement of Qualified Financial, Inc. and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, client’s, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

CATEGORY EXAMPLES COLLECTEDA. Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license Yes B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Yes C. Protected classification characteristics under California or federal law Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)Yes D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. No E. Biometric information Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. No F. Internet or other similar network activity Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement Yes G. Geolocation data. Physical location or movements No H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information No I. Professional or employment-related information. Current or past job history or performance evaluations. Yes J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. Yes K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. No

Personal information does not include:

Publicly available information from federal, state or local government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, such as personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services that we are asked to perform.
Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
Directly and indirectly from activity on our website (www.qualifiedfinancailinc.com). For example, from submissions through our website portal or website usage details collected automatically.
From third-parties that interact with us in connection with the services we perform. For example, credit reporting agencies, appraisers and other service providers.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare a rate quote or ask a question about our products or services, we will use that personal information to respond to your inquiry.
To provide, support, personalize and develop our Website, products and services.
To provide you with information, products or services that you request from us.
To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
For testing, research, analysis and product development.
As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To respond to audits or state or federal examinations by our regulators.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We disclose your personal information for a business purpose to the following categories of third parties:

Our affiliates.
Service providers.
Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
sales, identifying the personal information categories that each category of recipient purchased; and
disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 ).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us at 949-289-9995

Visiting us at www.qualifiedfinancialinc.com

Emailing us at info@qualified-financial.com

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request. Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 949-289-9995

Website: www.qualifiedfinancialinc.com

Email: Info@qualified-financial.com

Attn: Compliance

CALIFORNIA FAIR LENDING NOTICE

UNDER THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR
RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO FOUR-UNIT FAMILY IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

SUITE 600
3700 WILSHIRE
LOS ANGELES, CA 90010

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

SUITE 810
1390 MARKET STREET
SAN FRANCISCO, CA 94102

CREDIT BUREAU INFORMATION

Qualified Financial, Inc. and/or its service providers acting on its behalf, may report information about your account to the major credit bureaus. Under the Fair and Accurate Credit Transactions Act of 2003, you have the right to directly dispute the accuracy or integrity of Qualified Financial, Inc. and its service providers reports to the major credit bureaus. In order to protect your rights regarding any disputed account information, you must do the following:

Any dispute may be emailed to Qualified Financial Inc. at info@qualified-financial.com
To avoid delays, you should not provide your dispute notice to another Qualified Financial Inc. and or service provider’s address.
Your dispute notice must sufficiently identify your account relationship Qualified Financial, Inc. and its service providers such as your name, address, account number, etc.
You must specify the information Qualified Financial, Inc. and its service providers is reporting to the credit bureaus and why you are disputing it.
You must also provide documentation or other information to support your dispute. For example, you may wish to provide a relevant portion of a credit report that may contain possibly inaccurate information, account statements, a copy of a police report, an affidavit of forgery, etc.

If you fail to meet any of the above requirements it may delay any response from Qualified Financial, Inc. or its service providers and any resolution of your dispute. In most cases, Qualified Financial, Inc. or its service providers will respond to your dispute notice in writing within 30 days of receiving it.

EQUAL CREDIT OPPORTUNITY ACT

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

On the basis of race, color, national origin, religion, sex, marital status, or age;
Because income is from public assistance; or
Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD EMAIL THE COMPLAINT TO:

ATTN: Compliance, at info@qualified-financial.com

EQUAL HOUSING OPPORTUNITY LENDER

Qualified Financial, Inc. is an Equal Housing Opportunity Lender.

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC, 20580

Telephone: 202-326-2222

AND TO

ATTN: Compliance, at info@qualified-financial.com

Telephone: 1-949-289-9995

DO NOT CALL POLICY

This notice is the Qualified Financial, Inc. Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows us to. Qualified Financial, Inc. employees and its service provider employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Qualified Financial, Inc. will be placed on the Qualified Financial, Inc. Do Not Call List and will not be called in any future campaigns, including those of Qualified Financial, Inc. affiliates. If you communicate with us by telephone, we may monitor or record the call.

FAIR LENDING NOTICE

It is the policy of Qualified Financial, Inc. to make credit products available to all applicants who meet our business focus in a fair and consistent manner within the confines of safe and sound business practices. The Qualified Financial, Inc. management and staff are committed to the practices of fair lending. Following are the policies regarding nondiscrimination and abusive lending practices.

Qualified Financial, Inc. does not discriminate against any credit applicant on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or whether the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any other prohibited basis.

Qualified Financial, Inc. also requires loan terms, rates and fees to be consistent with the borrower’s qualifications, that borrowers have the ability to repay the obligation and that borrowers receive a tangible benefit from the loan transaction.

Qualified Financial, Inc. expects the companies with whom it does business to adhere to similar non-discriminatory and fair lending policies and practices throughout the lending process. The companies’ policy extends to application procedures, pricing of loans or services, marketing practices, closing procedures, and compensation programs.

GENERAL DISCLAIMERS

Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply.
This is not an offer for extension of credit or a commitment to lend.
Not all branches are licensed in every state; please contact your local office to determine eligibility.
All loan programs are subject to the Qualified Financial, Inc. underwriting guidelines and available loan terms. Approvals may be subject to appraisals and other documentation requirements. Interest rates, loan programs, available loan terms, and other information on this website are subject to change without notice.

GRAMM LEACH BLILEY PRIVACY POLICY ACT OF 2000

OUR PLEDGE TO YOU
One of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in us collecting or sharing certain types of information about you. We explain how we use customer information in this privacy policy statement. We invite you to state your choices in the Customer Preferences section. We will honor your selection.
INFORMATION WE COLLECT
We collect information, you give to us on applications, surveys, registration forms, etc.
HOW WE SHARE INFORMATION
We do not share information that we have about you with anyone except in response to subpoenas or for other legal reasons.

The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

HOW WE PROTECT INFORMATION
We strive to protect your data and safeguard it from those not authorized to see it.
FORMER CUSTOMERS
We do not share information about our former customers with anyone except in response to subpoenas or for other legal reasons.

We do not share information about our former customers with companies outside our organization for them to contact you for their own marketing purposes.

CUSTOMER PREFERENCES
We honor your choices for sharing data as checked below. Please fill-out this form and return it to us at info@qualified-financial.com

[ ] Please do not share information about me with companies outside your organization. By law, this doesn’t include companies that are performing services on our behalf or our financial marketing partners.

[ ] Please do not share my credit history with members of your corporate family.

For joint accounts: We will honor your preferences, and will automatically apply those same choices to the other account holder(s).
Name:__________________________________________________________
Address:________________________________________________________
City:_______________________________State:______Zip_______________
Account/Policy
No(s):______________________________________________

WHO WE ARE Who is providing this notice? Qualified Financial, Inc. What does Qualified Financial, Inc. do with your personal information? FACTS WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. WHAT? The types of personal information we collect and share depends on the product or service you have with us. This information can include:
‘- Social Security number and income
‘- Credit history and Credit scores
‘- Mortgage rates and payments and employment information
When you are no longer our customer, we continue to share your information as described in this notice. HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons Qualified Financial, Inc. chooses to share; and whether you can limit this sharing QUESTIONS? Call (888)289-9995. DOES Qualified Financial, Inc. SHARE? For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes For our marketing purposes – to offer our products and services to you. Yes For joint marketing with other financial companies No For our affiliates’ everyday business purposes – information about your transactions and experiences No For our affiliates’ everyday business purposes – information about your creditworthiness. No For non-affiliates to market to you No What We Do. How does Qualified Financial, Inc. protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include, but are not limited to, computer safeguards and secured files and buildings. How does Qualified Financial, Inc. collect my personal information? We collect your personal information, for example, when you:
– Apply for a loan or give us your information
– Provide account information or provide your mortgage information
– Give us your contact information
We also collect your personal information from others, such as credit bureaus and other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only:
– Sharing for affiliates’ everyday business purposes – information about your creditworthiness
– Affiliates from using your information to market you
– Sharing for non-affiliates to market to you
– State laws and individual companies may you give additional rights to limit sharing What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account – unless you tell us otherwise.

Definitions

Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.

Qualified Financial, Inc. has no affiliates.

Non-affiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Qualified Financial, Inc. does not share with non-affiliates so they can market to you.

Joint Marketing – A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Qualified Financial, Inc. does not enter into joint marketing agreements.

Privacy Policy

Privacy Policy

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