Community Wholesale Lending Privacy Policy
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Effective Date: 09/09/2026
Last Updated: 09/09/2026
1. Introduction
Community Wholesale Lending (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit www.cwlend.com, contact us, submit an inquiry, apply for mortgage-related services, or choose to receive communications from us, including text messages.
By using our website or services, you agree to the terms of this Privacy Policy.
2. Information We Collect
We may collect information you voluntarily provide to us, including:
● Contact Information: name, phone number, email address, mailing address
● Inquiry Information: information you submit through website forms, appointment requests, consultation requests, or other communications
● Mortgage-Related Information: information related to your interest in mortgage, refinance, home purchase, prequalification, or related loan origination services
● Communication Preferences: your preferences regarding phone calls, emails, and text messages
● Technical Information: IP address, browser type, device information, pages visited, referring URLs, and other website usage data collected through cookies or analytics tools
3. How We Use Information
We may use your information to:
● respond to your inquiries
● provide information about our mortgage and loan origination services
● contact you regarding appointments, consultations, requests, account matters, or service-related updates
● process and maintain records relating to your request for services
● improve our website, services, and user experience
● comply with applicable legal, regulatory, licensing, and recordkeeping obligations
● send text messages and other communications you have consented to receive
4. Text Messaging / SMS Privacy
If you provide your mobile phone number and consent to receive text messages from us, we may send you text messages regarding your inquiries, appointments, application-related updates, account or service notifications, and other communications related to the services you requested.
SMS consent is not shared with third parties or affiliates for marketing purposes.
No mobile opt-in data will be shared with third parties for marketing or promotional purposes.
You may opt out of receiving text messages at any time by replying STOP to any text message you receive from us. For assistance, reply HELP or contact us at:
info@cwlend.com
888.475.4005
Message frequency may vary. Message and data rates may apply.
5. How We Share Information
We may share your information only as reasonably necessary for business operations and as permitted by law, including with:
● service providers that help us operate our website, CRM, communications systems, hosting, analytics, or other business systems
● professional advisors, auditors, regulators, or legal authorities when required or appropriate
● parties involved in business transfers, mergers, acquisitions, or similar transactions
We do not share mobile opt-in data with third parties for their marketing or promotional use.
6. Cookies and Tracking Technologies
Our website may use cookies, pixels, analytics tools, and similar technologies to improve site functionality, understand user activity, and enhance the user experience. You may adjust your browser settings to refuse cookies, though some site features may not function properly.
7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the Internet or method of electronic storage is guaranteed to be completely secure.
8. Data Retention
We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, comply with legal obligations, resolve disputes, and enforce agreements.
9. Third-Party Websites
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or security of those third parties. We encourage you to review their privacy policies separately.
10. Your Choices
You may contact us to:
● request updates to your contact information
● opt out of certain communications
● ask questions about how your information is used
You may unsubscribe from marketing emails by using the unsubscribe link in the email, where applicable. You may opt out of text messages by replying STOP.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.
12. Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact:
Community Wholesale Lending
8270 Aspen Street, Rancho Cucamonga, CA 91730
888.475.4005
info@cwlend.com
NMLS 362312
13. Statements and Policies
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Information Policies
We place a high value upon the trust that you place in us when closing your clients loans with Community Wholesale Lending. We promise not to abuse that trust by inappropriately using the information you provide to us. We request certain information in order to provide you with the most comprehensive and accurate data and service possible. We will not sell or give away your private information to any third party.
Security
Our privacy policies are unimportant if we cannot maintain the security of our systems. All of our sensitive information forms are submitted and stored securely using tried and proven industry standard protocols.
While no security system is 100% airtight (you should be wary of anyone making that claim) we have taken every reasonable, prudent, and effective step to maintain the security of our systems.
Data Communications Security
Information you send us must pass through your own computer, your own Internet Service Provider, our Internet Provider, and eventually to us. As soon as the personal information that you have put into your browser leaves your computer, it is encrypted using "SSL" (Secure Sockets Layer) technology. Any network between you and us, including your ISP and our ISP, will only see garbled encrypted data if they were to "eavesdrop" on our connection. Netscape Navigator and Internet Explorer indicate that the transfer is secure via two mechanisms. First, the URL on any secured page will begin with https:// rather than http://. Secondly, the browser may display a lock, a blue bar, or other indicator showing that your data will be encrypted prior to transmission.
Once we receive your encrypted information, our system decrypts your data, and places it into a password-protected database on a secured network that is again accessed through another password-protected system, located behind a firewall. This triple protection is the digital equivalent of our "Fort Knox" that protects your sensitive data. The only other way to get at this information is to use our Web site and the administration password that you supply during the account creation process. This is why you should keep this password in a safe place, and why we only send your password to your e-mail address. However, as soon as we send your password in e-mail, you should immediately log in and change your password to prevent someone on the Internet from obtaining your password, and hence, access to your private information.
How we use Cookies
It is our goal to provide the most intuitive and hassle-free experience at our Web site. As a result, we use a technology called a "cookie." The way a cookie functions is that our Web site, after authenticating who you are by having you verify your e-mail address and password, passes a unique cookie to your computer. Once your computer obtains this cookie, it will present this cookie back to us. Our site checks to see if the cookie that you are presenting to us matches what we initially gave you. If it does, then we allow you access to our site without having to re-enter your username. This cookie only exists while the browser is running. It is always a good idea to quit the browser (or restart the computer) if you share your computer with others.
We also use cookies to help keep track of the representative you are working with (if any). This cookie contains no private information, and will remain on your computer even if you quit the browser.
The Good Cookie.
Like any technology, the use of it determines its value. Cookies are a convenient way to avoid having to type in your login every time you visit the site. What the above scenario allows is the ability of our Web site's "cyber bouncer" to be able to say, "I've seen you before, you can come in." This is a convenience that many of our clients use and appreciate.
The Bad Cookie.
However, there are cases when you may not want to use a cookie. For example, if multiple people use your computer, it is possible for someone to sit down after you have gotten up, visit your history or bookmarks, visit our site, and have access to your sensitive data on our Web site. This is because our "cyber bouncer" is only sophisticated enough to know that your computer has been trusted. There is no way for us to determine that you are still at your computer. The best thing you can do is quit the browser when you are finished; the cookie will be removed.
