Legal

Privacy Policy

This policy explains how Newport Beach Hard Money Lenders collects, uses, and shares personal information as a lead generation service.

Effective date: April 20, 2026

1. Introduction

Newport Beach Hard Money Lenders (“we,” “our,” “us”) is a lead generation service operated by Lead Skills, LLC. We are not a lender. We connect borrowers who are seeking business-purpose hard money financing with participating lenders who may be able to serve them.

Because our service relates to financial products and services, we are a financial institution under the federal Gramm-Leach-Bliley Act (“GLBA”) and its implementing regulations, including the Privacy Rule and the Safeguards Rule. This Privacy Policy describes the nonpublic personal information we collect, how we use it, with whom we share it, and the rights and choices you have regarding that information.

By using this website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following categories of information:

  • Identifiers such as your name, email address, phone number, and mailing address.
  • Property and investment information such as property address, property type, purchase price, estimated value, loan amount requested, intended use, and target close date.
  • Financial information that you voluntarily provide in connection with your financing inquiry, which may include information about the transaction, investment experience, or general credit profile you choose to share.
  • Usage and device data such as IP address, browser type, device identifiers, referring URLs, pages viewed, and timestamps, collected through cookies, pixels, analytics tools, and similar technologies.
  • Communication records including the content and metadata of emails, text messages, and phone calls between you and us, and records of your consent preferences.

3. How We Use Your Information

We use the information we collect to:

  • Operate our lead generation service and match your inquiry to one or more participating lenders who may be able to provide financing.
  • Communicate with you about your inquiry and follow up on next steps.
  • Respond to questions, provide customer support, and resolve complaints.
  • Maintain, secure, and improve our website, and measure the performance of our marketing.
  • Comply with legal, regulatory, record-keeping, fraud-prevention, and risk-management obligations.

4. How We Share Your Information (GLBA Disclosure)

We do not sell your nonpublic personal information. We may share the information described above with the following categories of recipients:

  • Participating lenders. When you submit an inquiry, we share your information with one or more participating hard money lenders so they may evaluate your request and contact you. Each participating lender is responsible for its own privacy practices and for any credit decisions it makes.
  • Service providers. We use vendors to help us operate the site and process inquiries, including hosting, email delivery, SMS delivery, analytics, spam prevention, customer relationship management, and similar functions. These providers may process information on our behalf subject to contractual confidentiality and data-handling obligations.
  • Legal and safety recipients. We may disclose information when we believe in good faith it is necessary to comply with law, respond to legal process, enforce our Terms of Service, protect the rights, property, or safety of any person, or investigate suspected fraud or abuse.
  • Business transfers. If we are involved in a merger, acquisition, financing, reorganization, sale of assets, or insolvency event, information may be transferred to the successor or acquiring party, subject to this Privacy Policy or a comparable successor policy.

A current list of participating lenders is available upon request. Contact us using the information below to request the list.

5. Your Right to Limit Sharing

By submitting your information through our inquiry form, you authorize us to share that information with one or more participating lenders so they may contact you about your financing inquiry. This authorization is a necessary part of delivering the service you are requesting.

You may opt out of future sharing at any time by contacting us using the information at the end of this Privacy Policy. Opting out will stop future sharing with participating lenders but will not recall information that has already been shared before we receive your request, and participating lenders who have already received your information will continue to handle it under their own privacy practices.

6. Data Security

Consistent with the GLBA Safeguards Rule, we maintain administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of nonpublic personal information, including protections against anticipated threats or hazards and against unauthorized access or use. These safeguards include access controls, encryption in transit where appropriate, vendor due diligence, employee training, and periodic review of our security practices.

No method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. You should avoid transmitting highly sensitive information (such as full financial account numbers or government identifiers) through unsecured channels.

7. Your Choices

  • Access, correct, or delete. You may contact us to request access to, correction of, or deletion of information you have provided, subject to legal, contractual, and record-keeping obligations.
  • SMS/text opt-out. You can opt out of text messages at any time by replying STOP to any message you receive.
  • Phone opt-out. You can ask to be removed from our call list by telling the caller to place you on our internal do-not-call list.
  • Email opt-out. You can unsubscribe from marketing emails using the link provided in the message, or by contacting us directly.
  • Browser controls. Most browsers allow you to manage cookies and similar technologies through browser settings. Disabling these may affect site functionality.

8. Children’s Privacy

Our website and services are directed to adults and are not intended for children under 18. We do not knowingly collect personal information from children under 18. If you believe a child has provided us information, contact us and we will take reasonable steps to delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective date” at the top of this policy indicates when it was last revised. Material changes will be posted on this page, and your continued use of the website after the changes are posted constitutes acceptance of the revised policy.

10. Contact

For privacy questions, to request the current list of participating lenders, or to exercise any of your choices, contact:

A current list of participating lenders is available upon request.