Privacy Policy

This Privacy Policy describes how Temecula Home Loans ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you visit or use our website, Temecula Home Loans, located at https://temeculasells.com (the "Site").

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the practices described herein, please do not use the Site.

This Privacy Policy applies to all information collected through the Site, as well as any related services, communications, or interactions that reference or link to this policy.

We collect information that you provide directly to us and information that is collected automatically when you use the Site.

Information You Provide Directly

• Contact Information — Name, email address, phone number, and mailing address submitted through forms, phone calls, or email correspondence.
• Account Information — Username, password, and profile details if you create an account on the Site.
• Communication Records — Content of messages, inquiries, or feedback you send to us through contact forms, email, or other communication channels.
• Transaction Information — Billing address, payment method details, and purchase history when you complete a transaction through the Site.

Information Collected Automatically

When you visit the Site, we automatically collect certain technical information, including:

• Device & Browser Information — Browser type and version, operating system, device type, screen resolution, and language preferences.
• Network Information — Internet Protocol (IP) address, Internet service provider, and general geographic location derived from your IP address.
• Usage Data — Pages visited, time spent on each page, referring and exit URLs, click patterns, and navigation paths through the Site.
• Cookie & Tracking Data — Information collected through cookies, web beacons, pixels, and similar tracking technologies as described in the Cookies & Tracking Technologies section below.

We use the information we collect for the following purposes:

• Service Delivery — To provide, operate, and maintain the Site and its features, process transactions, and fulfill your requests.
• Communication — To respond to your inquiries, send service-related notices, provide customer support, and deliver information you have requested.
• Improvement & Development — To understand how users interact with the Site, identify trends and usage patterns, and improve the functionality, content, and user experience of the Site.
• Analytics & Performance — To monitor and analyze site traffic, measure the effectiveness of our content and marketing efforts, and generate aggregate statistical data.
• Personalization — To tailor content and recommendations to your interests and preferences based on your interactions with the Site.
• Security & Fraud Prevention — To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities, and to protect the rights and safety of our users and the public.
• Legal Compliance — To comply with applicable laws, regulations, legal processes, or enforceable governmental requests, and to enforce our terms and policies.

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers — We share information with trusted third-party service providers who perform services on our behalf, such as web hosting, email delivery, payment processing, and customer support. These providers are contractually obligated to use your information only for the purposes of providing services to us and in accordance with this Privacy Policy.
• Analytics Providers — We share usage data with analytics providers, including Google Analytics, to help us understand how users interact with the Site. These providers may use cookies and similar technologies to collect and analyze information about Site usage.
• Legal Obligations — We may disclose your information when required to do so by law, in response to valid legal process (such as a subpoena, court order, or government request), or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.
• Business Transfers — In the event of a merger, acquisition, reorganization, bankruptcy, or other similar event, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on the Site of any change in ownership or uses of your personal information.
• With Your Consent — We may share your information for any other purpose with your explicit consent.

The Site uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user behavior.

What Are Cookies?

Cookies are small text files stored on your device by your web browser when you visit a website. They allow the website to recognize your device and remember certain information about your visit.

Types of Cookies We Use

• Essential Cookies — These cookies are necessary for the Site to function properly. They enable core features such as session management, security, and accessibility. You cannot opt out of essential cookies as the Site will not function correctly without them.

• Analytics Cookies — We use Google Analytics to collect information about how visitors use the Site. Google Analytics uses the following cookies:

  • _ga — Used to distinguish unique users. Expires after 2 years.
  • _ga_* — Used to persist session state. Expires after 2 years.
  • _gid — Used to distinguish unique users. Expires after 24 hours.

  These cookies collect information in an aggregated, anonymous form, including the number of visitors to the Site, where visitors came from, and the pages they visited.

How to Manage Cookies

You can control and manage cookies in the following ways:

• Browser Settings — Most web browsers allow you to manage cookie preferences through their settings. You can set your browser to refuse cookies, delete existing cookies, or alert you when a cookie is being placed. Consult your browser's help documentation for specific instructions.
• Google Analytics Opt-Out — You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on, available for most major browsers.
• Do Not Track — Some browsers offer a "Do Not Track" setting that sends a signal to websites you visit. There is currently no universally accepted standard for how websites should respond to this signal, and the Site does not currently respond to Do Not Track signals.

Please note that disabling cookies may affect the functionality of certain features of the Site.

We retain your personal information only for as long as is reasonably necessary to fulfill the purposes for which it was collected, including:

• Active Use — For as long as your account is active or as needed to provide you with the services you have requested.
• Legal Obligations — As required to comply with applicable laws, regulations, and legal processes, including tax, accounting, and reporting requirements.
• Dispute Resolution — As necessary to resolve disputes, enforce our agreements, and establish, exercise, or defend legal claims.
• Legitimate Business Purposes — For archival, backup, and disaster recovery purposes, and to maintain records of business transactions.

When personal information is no longer needed for any of these purposes, we will securely delete or anonymize it. Anonymized data that can no longer be associated with an identifiable individual may be retained indefinitely for analytical purposes.

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it against unauthorized access, alteration, disclosure, or destruction.

Our security measures include:

• Encryption in Transit — All data transmitted between your browser and the Site is encrypted using SSL/TLS (Secure Sockets Layer/Transport Layer Security) technology.
• Access Controls — Access to personal information is restricted to authorized personnel who require it to perform their job functions. Personnel with access are bound by confidentiality obligations.
• Regular Security Assessments — We conduct regular reviews and assessments of our security practices, systems, and infrastructure to identify and address potential vulnerabilities.
• Secure Infrastructure — We use reputable hosting providers and maintain security configurations in accordance with industry standards.

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security, and you transmit information to us at your own risk.

If you become aware of any unauthorized access to or use of your personal information, please contact us immediately using the information provided in the Contact Us section below.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) regarding your personal information:

• Right to Know — You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the information.
• Right to Delete — You have the right to request that we delete any personal information we have collected from you, subject to certain exceptions provided by law (such as when the information is necessary to complete a transaction, detect security incidents, or comply with a legal obligation).
• Right to Opt-Out of Sale — We do not sell your personal information. As such, we do not offer an opt-out of sale mechanism. Should our practices change, we will update this policy and provide a clear opt-out mechanism.
• Right to Non-Discrimination — We will not discriminate against you for exercising any of your CCPA rights. We will not deny you goods or services, charge you different prices, or provide a different level or quality of service because you exercised your privacy rights.

How to Exercise Your Rights

To submit a request to exercise your CCPA rights, please contact us using the information provided in the Contact Us section below. We will verify your identity before processing your request and will respond within 45 days of receiving a verifiable consumer request. If we require more time (up to an additional 45 days), we will inform you of the reason and extension period in writing.

You may designate an authorized agent to make a request on your behalf. We may require the authorized agent to provide proof of your written authorization and may need to verify your identity directly.

If you are a Texas resident, you have specific rights under the Texas Data Privacy and Security Act (TDPSA) regarding your personal information:

• Right to Access — You have the right to confirm whether we are processing your personal data and to access that data.
• Right to Correct — You have the right to correct inaccuracies in your personal data, taking into account the nature of the data and the purposes of processing.
• Right to Delete — You have the right to request deletion of personal data you have provided to us or that we have obtained about you.
• Right to Data Portability — You have the right to obtain a copy of your personal data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another controller without hindrance.
• Right to Opt-Out of Targeted Advertising — You have the right to opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you.

How to Exercise Your Rights

To submit a request to exercise your TDPSA rights, please contact us using the information provided in the Contact Us section below. We will respond to your request within 45 days of receipt. If we require more time (up to an additional 45 days), we will inform you of the reason for the extension.

If we decline to take action regarding your request, you may appeal that decision by contacting us. We will respond to your appeal within 60 days. If the appeal is denied, you may contact the Texas Attorney General to submit a complaint.

If you are located in the European Economic Area (EEA), the United Kingdom (UK), or Switzerland, you have specific rights under the General Data Protection Regulation (GDPR) and applicable local data protection laws regarding your personal data:

• Right of Access — You have the right to obtain confirmation as to whether your personal data is being processed and, where that is the case, access to the personal data along with certain supplementary information.
• Right to Rectification — You have the right to have inaccurate personal data corrected and incomplete personal data completed.
• Right to Erasure — You have the right to request the deletion of your personal data where there is no compelling reason for its continued processing, subject to certain legal exceptions.
• Right to Restrict Processing — You have the right to request that we restrict the processing of your personal data in certain circumstances, such as when you contest the accuracy of the data or object to our processing.
• Right to Data Portability — You have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit that data to another controller without hindrance.
• Right to Object — You have the right to object to the processing of your personal data based on our legitimate interests or for direct marketing purposes. We will cease processing unless we demonstrate compelling legitimate grounds that override your interests, rights, and freedoms.
• Right to Withdraw Consent — Where processing is based on your consent, you have the right to withdraw that consent at any time. Withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

Legal Basis for Processing

We process your personal data on one or more of the following legal bases:

• Consent — You have given clear consent for us to process your personal data for a specific purpose.
• Contractual Necessity — Processing is necessary for the performance of a contract to which you are a party or to take steps at your request prior to entering into a contract.
• Legal Obligation — Processing is necessary for compliance with a legal obligation to which we are subject.
• Legitimate Interests — Processing is necessary for our legitimate interests or those of a third party, except where such interests are overridden by your fundamental rights and freedoms.

Data Controller

Temecula Home Loans, located at , is the data controller responsible for your personal data. For any questions or requests regarding your data, contact us using the information in the Contact Us section below.

How to Exercise Your Rights

To exercise any of the rights described above, please contact us using the information in the Contact Us section below. We will respond to your request within 30 days. If your request is complex or we have received a large number of requests, we may extend this period by an additional two months, in which case we will notify you of the extension and the reasons for it within 30 days of receiving your request.

If you believe that our processing of your personal data infringes applicable data protection laws, you have the right to lodge a complaint with the supervisory authority in your member state of habitual residence, place of work, or place of the alleged infringement.

The Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are under 13 years of age, please do not use the Site or provide any personal information to us.

If we learn that we have collected personal information from a child under the age of 13 without verification of parental consent, we will take steps to delete that information as quickly as possible in accordance with the Children's Online Privacy Protection Act (COPPA) and other applicable laws.

If you are a parent or guardian and believe that your child under 13 has provided us with personal information, please contact us immediately using the information in the Contact Us section below so that we can take appropriate action.

The Site may contain links to third-party websites, applications, or services that are not owned or controlled by Temecula Home Loans. This Privacy Policy applies only to the Site and does not apply to any third-party websites or services.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the privacy policy of every website you visit.

The inclusion of a link to a third-party website on the Site does not imply endorsement, sponsorship, or recommendation by Temecula Home Loans.

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will revise the effective date at the top of this policy.

If we make material changes to how we treat your personal information, we will notify you by one or more of the following means:

• Posting a prominent notice on the Site.
• Sending an email notification to the address associated with your account (if applicable).

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the Site after the posting of changes constitutes your acceptance of those changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Company: Temecula Home Loans
• Address:
• Phone:
• Email:

This policy was last reviewed on the effective date shown above. Consult a qualified attorney for legal advice specific to your situation.