At TOTO Mortgage (“we,” “us,” or “our”), your privacy is important to us. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you visit our website, engage with our services, or otherwise interact with us. This Privacy Policy is designed to comply with applicable local, state, and federal privacy laws, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and the Gramm-Leach-Bliley Act (GLBA).
By accessing or using our website or services, you agree to the terms of this Privacy Policy.
1. Information We Collect
We may collect the following categories of personal information, either directly from you or automatically through your interaction with our website and services:
- Identifiers: Full name, postal address, email address, phone number, Social Security Number (when required for mortgage processing), driver’s license or government-issued identification number.
- Internet or Other Electronic Network Activity Information: IP address, browser type and device information, website usage data, cookies and tracking technologies.
- Financial Information: Employment and income data, credit history, bank account or asset information, mortgage application and loan details.
- Sensitive Personal Information (as defined under CPRA): Government identifiers, financial account log-in and password (as required for certain transactions).
2. How We Use Your Information
We use your personal information for the following business purposes:
- – To process, underwrite, and service your mortgage application
- – To verify your identity and eligibility for financial products
- – To communicate with you regarding your application or account
- – To comply with legal obligations and regulatory requirements
- – To personalize and improve your website experience
- – For marketing and promotional communications (with your consent)
- – To detect and prevent fraud or unauthorized access
3. How We Share Your Information
We do not sell your personal information. However, we may share it with the following parties:
- – Service Providers: Third-party vendors who assist in processing mortgage applications, verifying data, performing credit checks, or delivering marketing communications
- – Government and Regulatory Bodies: As required by law, regulation, court order, or legal process
- – Affiliates and Business Partners: With companies under common control or contract with us for business purposes
- – Third Parties with Your Consent: When you direct or authorize us to share your information with third parties
4. Your California Privacy Rights
Under the CCPA/CPRA, California residents have the following rights:
- – Right to Know
- – Right to Delete
- – Right to Correct
- – Right to Limit Use of Sensitive Personal Information
- – Right to Opt-Out of Sharing for Cross-Context Behavioral Advertising
- – Right to Non-Discrimination
To exercise your rights, email info@toto-mortgage.com or call 714-477-7879
5. Data Security
We implement administrative, technical, and physical safeguards designed to protect your personal information. These include secure servers, encryption, multi-factor authentication, and access controls.
6. Cookies and Tracking Technologies
Our website uses cookies, pixels, and similar technologies to:
- – Track website usage and improve user experience
- – Deliver targeted advertisements and remarketing
- – Analyze campaign effectiveness
You can manage cookies through browser settings or opt out via NAI or DAA.
7. Children’s Privacy
Our services are not directed to children under 18, and we do not knowingly collect their data. If we do, we delete it promptly.
8. Retention of Personal Information
We retain personal information as required by law or as necessary for business purposes including servicing loans, resolving disputes, and enforcing agreements.
9. Updates to This Policy
We may revise this Privacy Policy periodically. Any changes will be posted on our website. Continued use constitutes acceptance of any revisions.
10. Contact Us
TOTO Mortgage
1122 E Lincoln Ave. Suite 117, Orange, CA 92865
Email: info@toto-mortgage.com
Phone: 714-477-7879
