Privacy Policy

1. Introduction

At Pacific Financial (“Company”, “we”, “our”, “us”), we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website www.pacificfinancial.com (the “Site”) and use our services. By using our Site and services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect personal information from you in various ways, including:

  • Personal Identification Information: Name, email address, phone number, postal address, date of birth, Social Security number, and other similar information.
  • Financial Information: Bank account details, income, credit history, employment details, and other financial data required to assess loan applications.
  • Loan Application Information: Information you provide when applying for a loan, such as property details, loan amount, and purpose of the loan.
  • Technical Information: IP address, browser type, operating system, and other technical data collected through cookies and similar technologies.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Loan Processing: To process your loan application, verify your identity, assess your creditworthiness, and manage your loan account.
  • Communication: To contact you regarding your loan application, provide updates, and respond to your inquiries.
  • Marketing: To send you promotional materials, newsletters, and other information about our products and services. You may opt out of receiving marketing communications at any time.
  • Compliance and Legal Obligations: To comply with applicable laws, regulations, and legal processes, and to enforce our terms and conditions.
  • Improvement of Services: To analyze how our Site is used, improve our services, and develop new products and features.

4. Sharing Your Information

We may share your personal information with third parties in the following circumstances:

  • Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as credit bureaus, payment processors, and IT service providers. These third parties are obligated to protect your information and use it only for the purposes for which it was shared.
  • Affiliates: We may share your information with our affiliates, subsidiaries, or parent companies for the purposes described in this Privacy Policy.
  • Legal Requirements: We may disclose your information if required to do so by law or in response to valid legal requests, such as subpoenas, court orders, or government regulations.
  • Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring company.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Site. Cookies are small data files that are stored on your device when you visit our Site. We use cookies to remember your preferences, analyze traffic, and personalize content. You can manage your cookie preferences through your browser settings.

6. Security of Your Information

We implement appropriate security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have certain privacy rights regarding your personal information, including:

  • Access: The right to request access to the personal information we hold about you.
  • Correction: The right to request that we correct any inaccurate or incomplete information.
  • Deletion: The right to request that we delete your personal information under certain circumstances.
  • Opt-Out: The right to opt out of marketing communications and certain data processing activities.
  • Data Portability: The right to request a copy of your personal information in a structured, commonly used, and machine-readable format.

To exercise your rights, please contact us using the information provided below.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete such information from our records.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page with a new “Last updated” date.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our practices, please contact us at:

  • Pacific Financial
  • Email: info@pacificfinancial.com
  • Address: 
  • Phone: 818.874.9334