L. Alley Loans, Inc dba Summit Home Lending (“Summit Home Lending,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains the information we collect, how we use it, how we share it, and the choices available to you regarding your information.
Collection of Information: We collect information that you voluntarily provide to us when you submit an inquiry, complete a form, request information, communicate with us, or apply for a mortgage loan through our website. This information may include your name, telephone number, email address, mailing address, and any other information you choose to provide.
When you visit our website, we may also automatically collect certain technical information, including your IP address, browser type, operating system, device information, referring website, pages visited, and information collected through cookies and similar technologies.
Disclosure of Information: We do not sell or rent your personal information.
We may share your personal information with trusted service providers, technology providers, mortgage investors, lending partners, loan origination platforms, customer relationship management providers, marketing providers, analytics providers, and other third parties that assist us in operating our business, providing mortgage-related services, communicating with you, complying with legal obligations, or maintaining our website. These third parties are authorized to use your information only as necessary to perform services on our behalf or as otherwise permitted by applicable law.
We do not disclose your personal information to third parties for their own independent marketing purposes without your consent.
We may also disclose personal information when required by law or when we believe disclosure is necessary to protect our rights, comply with legal obligations, prevent fraud, respond to lawful governmental requests, or enforce our agreements.
Use of Information: We use the information we collect to respond to your inquiries, evaluate mortgage opportunities, process loan applications, communicate with you regarding your inquiry or loan, improve our website and services, personalize your experience, conduct marketing activities, detect and prevent fraud, maintain the security of our systems, comply with applicable legal and regulatory requirements, and improve the products, technologies, and services we provide.
Marketing Communications: If you request information from us or otherwise provide your contact information, we may contact you regarding your mortgage inquiry or other products and services that may be of interest to you by telephone, text message (SMS/MMS), email, prerecorded or artificial voice messages, AI-assisted communications, live representatives, automated technologies, or other methods permitted by applicable law and consistent with your consent.
If you no longer wish to receive marketing communications, you may unsubscribe from marketing emails by using the unsubscribe link included in the email, opt out of text messages by replying STOP, or contact us directly to update your communication preferences. Opting out of marketing communications does not prevent us from contacting you regarding an active loan application, loan transaction, servicing matter, or other communications permitted by law.
Review, Correction, or Removal of Your Information: You may request access to the personal information you have provided to us and request that we correct or update inaccurate information. You may also request that we delete your personal information, subject to applicable legal, regulatory, and record retention requirements.
To submit a request, please contact us using the information provided below. We will respond in accordance with applicable law.
Cookies and Other Tracking Technologies: Our website uses cookies and similar technologies to improve website functionality, enhance your browsing experience, understand how visitors use our website, personalize your experience, improve our products and services, and support our marketing efforts. Cookies help us recognize returning visitors, remember your preferences, improve website performance, and better understand how visitors interact with our website.
You may disable cookies through your browser settings; however, doing so may affect the functionality of certain portions of our website.
Analytics and Website Technologies: We may use Google Analytics and other analytics, advertising, conversion tracking, website optimization, customer experience, and similar technologies to better understand how visitors use our website, improve website functionality, evaluate the effectiveness of our marketing efforts, and enhance the products and services we provide.
These technologies may collect information regarding your interactions with our website in accordance with their respective privacy policies.
Artificial Intelligence and Automated Technologies: To better serve our customers, we may use artificial intelligence (“AI”), automated technologies, and other technology-assisted tools to communicate with you, respond to inquiries, provide customer service, support our mortgage lending operations, enhance your experience with Summit Home Lending, and improve the products and services we provide. These technologies may assist our employees and service providers but do not replace our commitment to protecting your personal information in accordance with this Privacy Policy and applicable law.
California Privacy Rights: If you are a California resident, California law may provide you with certain rights regarding your personal information, including the right to request access to certain personal information we maintain about you, request correction of inaccurate personal information, request deletion of certain personal information, and obtain additional information regarding our privacy practices, subject to applicable legal exceptions.
Summit Home Lending does not sell personal information for monetary consideration. We may share personal information with service providers and business partners only as reasonably necessary to provide mortgage-related services, operate our business, communicate with you, comply with legal obligations, or as otherwise permitted by applicable law.
To exercise your California privacy rights, please contact us using the information provided below.
Security: We use commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, no method of transmitting or storing information electronically is completely secure, and we cannot guarantee absolute security.
Data Retention: We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with applicable legal and regulatory requirements, resolve disputes, enforce our agreements, and satisfy applicable record retention requirements.
Children’s Privacy: Our website is not intended for children under the age of 13, and we do not knowingly collect personal information from children.
Changes to This Privacy Policy: We reserve the right to modify this Privacy Policy at any time. Any changes will become effective upon posting the revised Privacy Policy on this website. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
Contact Us: If you have any questions regarding this Privacy Policy or wish to exercise your privacy rights, please click HERE to visit our Contact Us page or contact us using any of the methods below:
L. Alley Loans, Inc. dba Summit Home Lending
NMLS ID #339255
Address: 18281 Gothard Street Ste 203, Huntington Beach, CA 92648
Phone: (714) 536-9500
Email: privacypolicy@summitlr.com
