Privacy Policy
O1ne Mortgage Inc., doing business as San Francisco Mortgage Company ("we," "us," "our"), respects your privacy. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit our website, submit a loan inquiry, or otherwise interact with us.
1. Information We Collect
We collect personal information you voluntarily provide to us, including but not limited to:
- Full name, email address, mobile phone number, and mailing address
- Loan type, loan amount, property information, and financial information you submit through our forms
- Communication preferences and SMS/text message opt-in status
- Information you provide when contacting us by phone, email, or messaging
We also automatically collect certain information through cookies, log files, and analytics tools, including IP address, browser type, device information, pages visited, and referring URLs.
2. How We Use Your Information
We use your information to:
- Process loan inquiries and applications
- Communicate with you about mortgage products and services
- Send you transactional updates, marketing messages, and customer service communications (including SMS, if you opt in)
- Comply with legal, regulatory, and licensing obligations under federal and California state law
- Improve our website, products, and customer experience
- Prevent fraud and protect the security of our systems and clients
3. SMS / Text Messaging Policy
If you opt in to receive SMS messages from us, you consent to receive text messages from O1ne Mortgage Inc. at the mobile number you provide, including messages sent by automated technology. Message frequency may vary. Message and data rates may apply.
You may reply STOP at any time to opt out, or HELP for assistance. Opting out of SMS will not affect your loan inquiry or any other communication channel.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
4. How We Share Information
We do not sell your personal information. We may share information with:
- Lenders, investors, and underwriters involved in processing your loan application
- Service providers who help us operate our business (CRM, email, hosting, analytics) under confidentiality obligations
- Regulatory and government authorities as required by law (including the California DFPI and NMLS)
- Credit bureaus and verification services as part of the loan application process
- Legal authorities when required by subpoena, court order, or other legal process
5. Your California Privacy Rights (CCPA / CPRA)
If you are a California resident, you have the right to:
- Know what personal information we collect, use, disclose, and sell
- Request access to and a copy of your personal information
- Request deletion of your personal information (subject to legal retention requirements)
- Request correction of inaccurate personal information
- Opt out of the sale or sharing of your personal information (we do not sell personal information)
- Non-discrimination for exercising your privacy rights
To exercise these rights, contact us at (415) 853-5640 or in writing at the address below.
6. Gramm-Leach-Bliley Act (GLBA) Notice
As a financial institution under the Gramm-Leach-Bliley Act, we are required to provide notice of our information-sharing practices regarding nonpublic personal information collected during the loan process. This notice will be delivered to you separately when you submit a loan application, and reasonable safeguards are in place to protect the confidentiality and security of this information.
7. Cookies & Tracking Technologies
Our website uses cookies and similar technologies to improve functionality, analyze traffic, and personalize content. You may disable cookies through your browser settings, though some features of the website may not function properly without them.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
9. Data Retention
We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal and regulatory obligations (including mortgage record retention requirements), resolve disputes, and enforce our agreements.
10. Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of our website or services after changes constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us:
O1ne Mortgage Inc.
DBA San Francisco Mortgage Company
NMLS #2530588
1906 W. Garvey Ave S., Suite 200
West Covina, CA 91790
Phone: (415) 853-5640