Privacy Policy

1. WEBSITE DISCLAIMER & SCOPE
The content displayed on this website is intended for informational purposes exclusively. It does not constitute a binding commitment to provide loans, extend credit, or accept management assets. Rates, guidelines, and programs are subject to change without prior notice. All loan applications are contingent upon property asset valuation, underwriting review, and strict credit approval. 

2. OUR COMMITMENT TO PRIVACY
V Nation Corp values your privacy. In order to evaluate applications, process transactions, verify eligibility, and properly service mortgage loans statewide across California, we must acquire and maintain certain Non-Public Personal Information (NPI) relating to you. This Privacy Policy outlines our data practices in accordance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and California Department of Real Estate (DRE) standards. 

*For California Residents:* We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions, manage your property assets, or maintain your loan account.

3. CATEGORIES OF PERSONAL INFORMATION WE COLLECT
We collect information directly from you via our online applications, from your transactions with us, and from consumer reporting agencies:
* Identifiers: Full name, mailing/property address, email address, telephone number, Social Security Number, and Driver’s License number.
* Financial & Credit Information: Bank account numbers, routing numbers, debit card details, credit histories, loan numbers, principal balances, and payment histories.
* Electronic Activity: IP addresses, portal login credentials, device characteristics, and session monitoring data.

4. HOW WE DISCLOSE YOUR INFORMATION
We do not sell, rent, or lease consumer personal information, tenant records, or transaction data to third-party marketers under any circumstances. We disclose your personal information only as permitted or required by law to:
* Authorized third-party service providers, underwriting platforms, and financial institutions necessary to execute, settle, and clear your ACH or debit transactions.
* State and federal regulatory bodies (including the California DRE) to comply with administrative, licensing, legal disclosures, or law enforcement audits.

5. EXPLICIT SMS AND MOBILE DATA PROTECTION
By entering your phone number on our digital intake forms, you agree to receive text messages from V Nation Corp regarding your applications, account alerts, property notices, products, and promotions. Message and data rates may apply. You can opt out at any time by texting STOP. 

Core Mobile Privacy Guarantee: SMS consent and opt-in data are strictly confidential. No mobile numbers, opt-in records, or consent choices for text messaging will be shared, sold, or leased to third parties, partners, or affiliates for marketing or promotional purposes.

Approved Corporate SMS Standards:
* Standard Verification: "Welcome to V Nation! Get ready for updates and exclusive offers. Text STOP to unsubscribe. Msg & data rates may apply."
* Promotional Outreach: "Don’t miss our special loan programs and real estate updates! Visit vnationcorp.com for great options. Text STOP to opt out. Msg & data rates may apply."
* Transactional Notification: "Your appointment/payment is confirmed for [Date] at [Time]. Text STOP to cancel future messages. Msg & data rates may apply."

6. SECURITY SAFEGUARDS
We restrict access to your NPI to employees and authorized agents who require that data to service your account. We maintain stringent physical, electronic, and procedural safeguards that comply with federal regulations to protect your data from unauthorized access.