Privacy Policy

Who We Are

Simonich Financial, Inc. doing business as SiFi Lending is a California-licensed mortgage broker (NMLS #2563307). We connect borrowers with lenders — we do not lend our own funds. Our office is at 3130 Crow Canyon Place Suite 415, San Ramon, CA 94583.

For privacy-related questions, contact us at privacy@sifilending.com or call (925) 466-2701.

What Data We Collect

We collect the following categories of personal information:

Contact information: Name, email address, phone number, and mailing address.

Financial information for loan inquiries: Income, employment history, property details, assets, debts, and credit-related information you provide when requesting a loan quote or submitting an application.

Technical information: IP address, device type, browser type, operating system, pages visited, and analytics events (collected via cookies with your consent).

Communications: Emails, text messages, phone call recordings, AI chat transcripts, and voicemail messages exchanged with our team.

How We Collect It

• Website forms — Get a Quote, Contact Us, Partner Inquiry, and career application forms
• Social media messaging — Instagram and Facebook DM conversations via social media messaging automation
• Phone calls — Inbound and outbound calls, which may be recorded for quality and compliance purposes
• Text messages (SMS) — Two-way messaging with your prior consent
• AI chat — Conversations with our website chatbot and internal AI assistant
• Cookies and analytics — With your consent, we use analytics and advertising cookies (see Cookies section below)
• Uploaded documents — Files you share with your loan officer via our secure upload portal
• Third-party sources — Lender status updates from our loan origination system

Why We Collect It

• Loan origination and broker services — To match you with appropriate lenders and process your loan application
• Borrower-lender matching — To find the best available loan products based on your financial profile
• Regulatory compliance — To satisfy requirements from the NMLS, DFPI (California), CFPB, and other regulatory bodies
• Marketing (with consent) — To send you relevant content, market updates, and promotional materials when you opt in
• Fraud prevention — To verify identity and detect potentially fraudulent activity
• Service improvement — To analyze usage patterns and improve our platform and borrower experience

Who We Share With

We do not sell your personal information. We share data only as needed to provide our services with the following categories of recipients:

• Wholesale lenders — Lenders we submit your application to for underwriting and approval
• Loan origination system providers — That manage the application lifecycle
• Technology service providers — Including AI processing, telephony, analytics, error monitoring, and authentication services
• Marketing platforms — Used only with your consent for email and social media communications
• Cloud storage and infrastructure providers — For secure document storage and platform hosting
• Legal and regulatory authorities — When required by law, subpoena, or regulatory examination

All service providers are bound by contractual data protection obligations and may only use your information for purposes specified by SiFi Lending.

Your California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) gives you specific rights over your personal information:

• Right to Know — You can request what personal information we have collected, the categories, the sources, and our business purpose for collecting it.
• Right to Delete — You can request deletion of your personal information. Note: we must retain loan application data for 7 years per federal regulations (CFPB Regulation B/Z).
• Right to Correct — You can request correction of inaccurate personal information we hold about you.
• Right to Opt Out of Sale/Sharing — We do not sell personal information. If you have advertising cookies enabled, the Meta Pixel may constitute "sharing" under CCPA. You can opt out via our Cookie Preferences or by contacting us.
• Right to Limit Sensitive PI Use — You can limit how we use sensitive personal information (such as financial data) to purposes necessary for providing our services.
• Right to Non-Discrimination — We will not discriminate against you for exercising any CCPA rights.

To submit a request: Email privacy@sifilending.com with the subject line "CCPA Request." We will verify your identity and respond within 45 calendar days. You may also call (925) 466-2701.

Text Messages (TCPA)

We may send you text messages (SMS/MMS) related to your loan inquiry, appointment reminders, status updates, and marketing content if you have opted in.

• Your consent to receive text messages is not required as a condition of purchasing any service.
• Message and data rates may apply. Message frequency varies based on your loan status and preferences.
• Reply STOP to any message to opt out at any time. Reply HELP for assistance.
• Carriers are not liable for delayed or undelivered messages.

By providing your phone number and opting in, you consent to receive automated text messages from SiFi Lending at the number provided. You can revoke consent at any time by texting STOP or contacting us.

Phone Calls (TCPA)

Phone calls to and from SiFi Lending may be recorded for quality assurance, training, and compliance purposes.

• California is an all-party consent state. You will be notified at the beginning of any recorded call.
• By continuing the call after the recording disclosure, you consent to being recorded.
• If you do not wish to be recorded, please inform the team member and the recording will be stopped.

Cookies and Tracking

We use cookies and similar technologies on our website. You can manage your preferences at any time.

Necessary cookies (always active) — Required for authentication, security, form functionality, and rate limiting. These cannot be disabled.

Analytics cookies (opt-in) — PostHog analytics helps us understand how visitors use our site. Data is hashed and anonymized. Requires your consent.

Advertising cookies (opt-in) — Meta Pixel tracks ad conversions to measure the effectiveness of our advertising. Requires your consent.

You can change your cookie preferences at any time using the "Cookie Preferences" link in our website footer, or by adjusting your browser settings.

Contact Us

If you have questions about this privacy policy or wish to exercise your rights, contact us at:

Governing Law: This policy is governed by the laws of the State of California.