Privacy Policy

This Privacy Policy describes how Simpler Home Loans ("we," "us," or "our") collects, uses, and protects information when you visit https://cadownpayment.com (the "Site") or submit information through our forms. By using the Site, you agree to the practices described here.

Information we collect

We collect information you voluntarily provide through forms on this Site, which may include:

Contact details: name, email address, and phone number.
Homebuying information you choose to share: county of interest, purchase timeline, approximate credit range, approximate household income range, savings range, military service status, and any message you write to us.

We also collect certain information automatically when you browse the Site, such as IP address, device and browser type, pages viewed, and referring pages, through cookies and similar technologies (see "Cookies and analytics" below). We do not ask for, and you should not submit through this Site, Social Security numbers or full financial account numbers.

How we use your information

We use the information we collect to:

Respond to your inquiries and questions;
Review your potential eligibility for CalHFA and other loan programs and prepare a personalized assessment;
Assist with loan pre-qualification and, if you choose to proceed, a loan application through our brokerage;
Send you relevant follow-up information about programs you asked about;
Operate, secure, and improve the Site, including measuring advertising performance.

Contact consent (TCPA)

When you check the consent box on our forms, you agree to be contacted by phone, text or email about your inquiry, including via automated technology such as auto-dialers and pre-recorded or automated text messages. Consent is not a condition of purchase or of obtaining any loan. Message and data rates may apply, and message frequency varies. You may opt out of texts at any time by replying STOP, opt out of emails using the unsubscribe link, or ask us to stop calling by phone or email using the contact information below.

We do not sell your personal information

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes. We share information only with service providers who help us operate this Site and respond to inquiries (for example, form processing, customer relationship management, email delivery, and analytics providers), with the lenders and settlement service providers involved if you proceed with a loan, and where required by law.

Your California privacy rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, gives you the right to:

Know — request disclosure of the categories and specific pieces of personal information we have collected about you, the sources, and the purposes for collection;
Delete — request deletion of personal information we have collected from you, subject to legal exceptions (for example, records we must retain under lending regulations);
Correct — request correction of inaccurate personal information;
Opt out — direct us not to sell or share your personal information (as noted above, we do not sell personal information);
Non-discrimination — receive equal service and pricing whether or not you exercise these rights.

To exercise any of these rights, email marvin@cadownpayment.com with the subject line "California Privacy Request" or call (619) 555-0123. We will verify your identity and respond within the timeframes required by law. You may also designate an authorized agent to make a request on your behalf.

Cookies and analytics

This Site uses cookies and similar technologies for functionality and measurement, including:

Google Analytics, to understand how visitors use the Site (pages visited, time on page, general geographic region). This data is aggregated and does not identify you personally to us.
Google Ads conversion tracking and remarketing, which may show you our ads on other websites after you visit this Site. You can opt out of personalized advertising through Google Ads Settings.

You can also control or delete cookies through your browser settings. Disabling cookies may affect some Site features.

Third-party links

This Site links to third-party websites, including calhfa.ca.gov and nmlsconsumeraccess.org. We are not responsible for the privacy practices or content of third-party sites; their own privacy policies govern any information you provide to them.

Data security and retention

We use commercially reasonable safeguards to protect the information you submit. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security. We retain inquiry information only as long as needed for the purposes described above or as required by applicable recordkeeping laws.

Children's privacy

This Site is intended for adults and is not directed at children under 16. We do not knowingly collect personal information from children.

Changes to this policy

We may update this Privacy Policy from time to time. The effective date at the top of this page reflects the latest revision, and material changes will be posted on this page.

Contact us

Questions about this policy or your information:

Simpler Home Loans
Attn: Marvin Younan, NMLS #1544003
Phone: (619) 555-0123
Email: marvin@cadownpayment.com