Privacy policy

1. Three notices, and which one applies to you

This Policy covers information we collect through the Sites and our related marketing and support activities.

Personal information we collect, use or disclose in connection with a consumer financial product or service, including information you give us to find out whether you may qualify for a loan for personal, family or household purposes, is governed by federal and state financial privacy laws, including the Gramm-Leach-Bliley Act ("GLBA") and the California Financial Information Privacy Act, and by our Consumer Privacy Notice. We provide that notice as the law requires, and we will send you a copy on request. To the extent the Consumer Privacy Notice governs particular information, it controls over this Policy. Other information, including information about website visitors and mortgage professionals, is covered by this Policy.

If you apply for a job with us, Section 14 describes how we handle your information. It is our privacy notice for job applicants.

Some state privacy laws do not apply to information we handle under GLBA, and some do not apply to financial institutions like us at all. Section 12 explains which rights apply to which information.

2. Information we collect

We collect the following categories of personal information, depending on how you interact with us:

• Identifiers and contact details: name, postal address, email address, phone number, company, job title and NMLS ID (for mortgage professionals), account username, and online identifiers such as IP address and device or session identifiers.
• Professional and business information: your company, role, licensing, and the loan scenarios, questions and documents you submit as a mortgage professional.
• Inquiry information: information you give us when you ask a question, submit a loan scenario, request rate sheets or resources, contact an account executive, register for a webinar or event, or ask to become an approved partner.
• Communications: the content of your emails, forms, chat conversations with our AI tools, calls and text messages with us, and our records of them.
• Internet and device activity: pages viewed, links clicked, referring page, date and time of visits, browser and device type, operating system, screen size and approximate location derived from IP address.
• Preferences and feedback: your communication preferences, survey responses, ratings and feedback on our tools.
• Sensitive personal information: account sign-in information, and, where a form or tool asks for it or you choose to include it in a form, chat or upload, other sensitive information such as a Social Security number, financial account number, or citizenship, immigration or work authorization status. We ask you not to provide sensitive information through the Sites unless a form specifically requests it. Sensitive information you provide as part of a loan application is governed by the Consumer Privacy Notice.

We do not use biometric information to identify you, and we do not collect precise geolocation through the Sites.

How the Sites collect information. The Sites collect information through the forms, tools and chat assistant described in this Policy; through sign-in and registration on jmaclending.ai and the partner portal, where we collect the sign-in, contact and company details you provide so we can check whether you are an authorized user and follow up with you; and through our careers pages when you apply for a position (Section 14). Pages addressed to homeowners are informational. Loan files and borrower information submitted through the partner portal are handled under your company's agreement with JMAC and the privacy laws that apply to them; our Consumer Privacy Notice applies to information within its scope, and this Policy applies to other personal information, including account and usage information.

3. Where information comes from

We collect personal information directly from you; automatically from your browser or device when you use the Sites; from our AI tools' processing of your conversations; from the mortgage professionals who work with you (for example, a broker who submits a scenario about your loan); from our service providers who help operate the Sites (such as our forms, chat, security and hosting providers); from business partners and referral sources; from job boards, recruiters and referrals when you apply for a position; and from publicly available sources such as licensing databases and professional profiles.

4. How we use information

We use personal information to:

• Provide the Sites and their features, including answering questions through JMAC Intelligence, responding to scenario and contact requests, and delivering webinars, events and resources.
• Evaluate and approve mortgage professionals as partners, and operate our wholesale and correspondent programs.
• Evaluate job applicants and manage recruiting, as described in Section 14.
• Contact you about your inquiry and provide customer support.
• Operate, secure, troubleshoot and improve the Sites and our tools, including quality control and testing of our AI tools and improving the accuracy, safety and performance of our AI systems.
• Send marketing communications where permitted by law and your preferences.
• Detect and prevent fraud, abuse, security incidents and misuse of the Sites, including automated or bulk access.
• Comply with law, regulatory requirements, licensing and recordkeeping obligations, and enforce our agreements and policies.
• Understand how the Sites are used, in aggregate or de-identified form.

5. JMAC Intelligence, our AI-assisted tools

JMAC Intelligence is the family of AI-assisted tools we make available on our Sites and through our partner tools. Some, such as Scenario Desk, are for approved mortgage professionals and JMAC personnel; others, such as a chat assistant on jmaclending.com, are open to visitors. These are computer programs, not people, and this Section applies to all of them.

How conversations are processed. When you use a JMAC Intelligence tool, the text you enter, any files you upload, and the responses you receive are processed by the service providers we use to run it, on our behalf and under our agreements with them. Section 7 lists the categories of providers we use.

Logging and review. Conversations and related metadata, such as the time and, where you are signed in, your account, are recorded and kept by us and the service providers that run the tools, and may be reviewed for support, quality control, security, compliance, recordkeeping, and to improve the accuracy, safety and performance of our AI systems. If you do not want a question recorded, do not put it to the tool; approved mortgage professionals can contact their account executive instead.

What these tools do not do. JMAC Intelligence does not replace human decisionmaking. It does not decide whether we will lend to anyone or on what terms, and it does not take a loan application. Credit decisions are made by our underwriting staff.

Information about borrowers. Mortgage professionals using JMAC Intelligence may include information about a borrower to get an accurate answer, and a homeowner using the chat assistant may describe their own situation. To the extent that information is nonpublic personal information under GLBA or is otherwise governed by financial privacy laws, we handle it under our Consumer Privacy Notice and those laws; otherwise this Policy applies. We ask users to include only the information a question reasonably requires, and our Terms of Use prohibit entering Social Security numbers, account numbers or credentials.

Retention of conversations. Section 9 describes how long we keep conversations and uploaded files.

Sensitive information. Please do not type Social Security numbers, account or card numbers, passwords or one-time codes into a JMAC Intelligence tool.

6. Cookies, analytics and tracking

The Sites may use cookies and similar technologies that are necessary to operate (for example, to keep a session working, remember a preference, or protect a form against automated abuse) and to measure how the Sites are used in aggregate.

Where a Site uses a consent management tool, it lists the cookie categories configured for that Site and lets you review and change your cookie choices. Alongside the cookies needed to operate the Sites, we may use analytics cookies to understand how the Sites are used.

We do not use the Sites to build advertising profiles about what you do on other companies' websites. Service providers that help operate the Sites may collect information about your online activity over time and across other websites when you use the Sites, for the purposes described in this Policy.

Security and anti-abuse. We and our providers use device and browser information to tell people from automated scripts and to limit abusive traffic. This is not a biometric or identity check.

Do Not Track and opt-out preference signals. Our Sites do not respond to browser "Do Not Track" signals, because no industry standard has been adopted for them. Section 12 explains how we treat opt-out preference signals such as Global Privacy Control.

Managing cookies. Most browsers let you refuse or delete cookies. If you do, some features of the Sites may not work.

7. How we share information

We share personal information with the following categories of recipients, for the purposes in Section 4:

• Service providers and contractors that work for us under written contracts limiting their use of information: AI orchestration and model providers (Section 5); customer relationship, forms and marketing platforms; web hosting, content delivery and security providers; database and analytics providers; loan origination, pricing and knowledge-base systems used to answer questions and operate our programs; email, telephony and text-messaging providers; identity verification and fraud prevention providers; recruiting providers, including applicant tracking, video interview, scheduling, assessment and background check services (Section 14); and professional advisers.
• Mortgage professionals and business partners: we share nonpublic personal information with a broker, correspondent or referral source only with your explicit prior consent or where the California Financial Information Privacy Act permits the disclosure without it (Financial Code 4052.5 states the consent requirement; the exceptions are in Sections 4053, 4054.6 and 4056). Where you are working with a broker or correspondent on your loan, they also share information about you with us to serve your transaction.
• Parties to a transaction: if you apply for a loan, we share information as described in our Consumer Privacy Notice with investors, agencies, insurers, appraisers, settlement service providers, servicers and others needed to process, fund, sell or service the loan.
• Our affiliates and divisions. Where an affiliate or division operates a site under its own privacy policy, such as solmortgage.com, that policy governs the information collected there.
• Legal and safety: regulators, law enforcement, courts and others when required by law, to protect our rights or the safety of any person, or to investigate fraud or misuse.
• Business transfers: a buyer or successor in a merger, acquisition, financing or sale of assets, who will handle the information under the privacy notice then in effect.

We do not sell personal information, and we do not share it for cross-context behavioral advertising, as the CCPA defines those terms. We do not knowingly sell or share the personal information of anyone under 16. If that changes, we will update this Policy and post the notices and opt-out links the law requires.

Text-message opt-in data and consent are never shared with third parties for their own marketing.

8. Where information is processed

We are based in California. We use service providers and personnel to help process loans and support our operations. Wherever information is accessed or processed, it remains subject to the notice that governs it, this Policy or our Consumer Privacy Notice, and to written contracts that limit its use and require appropriate safeguards.

9. How long we keep information

We keep personal information only as long as reasonably necessary for the purposes described in this Policy. Where we cannot state a fixed period, we determine how long using these criteria: how long we are actively working with you on your inquiry or relationship; the period our regulators, investors and agency agreements require us to retain records; the period needed to resolve disputes, respond to complaints and enforce our agreements; the period needed to keep our systems secure and detect fraud; and whether you have asked us to delete the information and no exception requires us to keep it. How long that is depends on the type of information:

• Inquiry and contact information: for as long as we are working with you on your inquiry and for a reasonable period after our last interaction, so we can respond if you return.
• Partner and account records for mortgage professionals: for the life of the partner relationship and for the period required by our regulators and agreements afterward.
• Job applicant information: as described in Section 14.
• JMAC Intelligence conversations and uploaded files: for as long as reasonably necessary for support, quality control, security, compliance, recordkeeping and improvement of the tools, applying the criteria above.
• Website usage and security logs: for the period needed to keep the Sites secure, detect fraud and understand how the Sites are used.
• Sensitive personal information: account sign-in information for as long as needed to operate and secure your account; other sensitive information for as long as reasonably needed for the purpose you gave it to us; for job applicants, as described in Section 14.
• Marketing preferences and opt-outs: for as long as needed to honor your choice.
• Information connected to a loan application or loan: for the periods required by federal and state law, agency and investor requirements, and our Consumer Privacy Notice, which generally exceed the periods above.

We may keep information longer where required by law, litigation hold, or to resolve disputes or enforce our agreements.

10. How we protect information

We maintain administrative, technical and physical safeguards designed to protect personal information against unauthorized access, use, alteration or destruction, and we require the service providers who handle it to safeguard it. No system is completely secure. If a security incident affects your information, we will notify you as required by law.

11. Your communication choices

Marketing email. You can unsubscribe from marketing email using the link in any message. We will still send transactional and service messages.

Text messages. Where we offer a text-message program, we send messages only to numbers whose owners have agreed to receive them, for the purposes described when they signed up. Message frequency varies, and message and data rates may apply. Reply STOP to any message to stop receiving texts from that program, or contact us using the details in Section 17. Reply HELP for help. Carriers are not liable for delayed or undelivered messages. Consent to receive texts or calls is never a condition of obtaining a loan.

Calls. Where you have agreed that we may call you about your inquiry, you can withdraw that consent at any time by telling the person who calls you or by contacting us.

12. Your privacy rights

Depending on where you live and what information is involved, you may have the right to know what personal information we have collected about you and how we use and share it; to receive a copy; to correct inaccurate information; to delete it; to opt out of sale, sharing or targeted advertising; to limit our use of sensitive personal information; and to appeal a decision on your request. You will not be treated differently for exercising these rights. These rights reach only the information your state's law covers, and because those laws do not cover all information in all situations, only some of the information we hold is subject to them.

Information we collect under GLBA in connection with a loan or other financial product is generally not covered by these state rights. Your choices about that information are described in our Consumer Privacy Notice.

California residents: see the California Privacy Notice below, which is part of this Policy.

Mortgage professionals and business contacts: California privacy law reaches people acting in a business capacity, so if you are a California resident the rights above apply to you even when you deal with us as a broker, correspondent or loan officer. Most other state privacy laws do not reach information about people acting in a commercial or employment capacity.

Residents of other states: state privacy laws differ and change, and many do not apply to a financial institution subject to GLBA or to the information we handle under that Act, so we do not list them here. Where your state's law applies, the rights above reach personal information we collect through the Sites that is not governed by GLBA, and your state may give you additional rights, such as a list of the specific third parties to which we have disclosed personal information. Tell us where you live when you make a request and we will apply whatever rights your state gives you.

How to submit a request. You or your authorized agent may submit a request by any of these methods: email to info@jmaclending.com; our toll-free number (855) 738-0931; our main line 949-390-2688; or mail to the address in Section 17. We will confirm receipt and respond within the time the applicable law allows, and we will tell you if the law permits us more time and we need it.

Verification. For requests to know, correct or delete, we verify your identity by matching information you provide to information we already hold, and for higher-risk requests we may ask for additional information or a signed declaration. We use verification information only to verify your request.

Authorized agents. You may designate an agent to make a request for you by giving the agent signed permission, or through a power of attorney. We may ask you to confirm the agent's authority.

Opt-out preference signals. We do not sell or share personal information as the CCPA defines those terms, so an opt-out preference signal such as Global Privacy Control has no sale or sharing to stop. If that changes, we will honor these signals as the law requires and update this Policy.

Appeals. If we decline your request, we will tell you why and how to appeal. To appeal, reply to our decision or contact us using the methods above; we will respond within the time your state's law allows. If you are not satisfied, you may contact your state's attorney general.

13. Children

The Sites are not directed to children. Our services are for adults 18 and older, and we do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a child in violation of law, we will delete it as the law requires. Parents who believe a child has provided us information may contact us using the details in Section 17.

14. Job applicants

This Section is our privacy notice for job applicants, and for California residents it is also our notice at collection. It applies when you apply for a position with us through our careers pages, through the pages of our applicant tracking provider, through a job board or recruiter, or by sending us your resume. It is part of the JMAC Privacy Policy, available at jmaclending.com/privacy-policy.

What we collect. Depending on the role and how far your application goes: identifiers and contact details, such as your name, email address, phone number and location; professional and employment information, such as your resume, cover letter, work history, licenses and your answers to the application questions; your authorization to work in the United States, which we treat as sensitive personal information; interview information, including notes and, where we ask you to record one, a video interview; where a role requires them, information from references you give us and from public professional profiles; the results of any assessment a role uses; and, where the law permits and you have separately authorized it, background and verification check results. We may also receive information about you from recruiters, referrals and job boards. If you volunteer demographic or disability information or ask for an accommodation, that is sensitive personal information too; we use it only for the purpose you gave it, such as providing the accommodation or legally required reporting, and not to make hiring decisions.

How we use it. To evaluate your application and communicate with you about it; to schedule and conduct interviews, including recorded video interviews, which the people involved in the hiring decision review; to verify information and conduct background checks where permitted, at the stage the law allows; to comply with employment, anti-discrimination and recordkeeping laws and to defend legal claims; to improve our recruiting process; and, unless you tell us not to, to consider you for other positions.

Automated screening. Our applicant tracking system may use automated tools, including artificial intelligence, to help decide which applications move forward for a role. They compare what you submit, such as your work history, licenses, skills and your answers to the application questions, with the requirements stated in the posting, and produce a score, ranking or recommendation that recruiters use to decide which applications to review first. An application that does not meet a requirement stated in the posting may be declined on that basis. These tools help our recruiters; they do not interview you or make an offer. If your application was declined and you believe something was missed, ask us to have a person review it by contacting us as described in Section 17 and including anything you want considered; a person who can change the result will review it. You may also ask how automated tools were used in your case. We will not treat you differently for making either request. Where your state's law gives you additional notice or rights about automated tools in hiring, we provide them.

Video interviews. Some roles include a recorded video interview, which is reviewed by the people involved in the hiring decision and handled as described in this Section.

Who receives it. The service providers that run our applicant tracking, video interview, scheduling, assessment, background check and electronic signature tools, under contracts limiting their use of your information; our professional advisers; regulators, courts and others where the law requires or permits, as described in Section 7; and a successor in a business transfer. None of the categories above is sold or shared for cross-context behavioral advertising.

How long we keep it. Your application record, meaning your contact details, application materials and answers, work authorization status, anything you volunteer about yourself, and the results of any references, assessments or background checks, is kept for the period employment recordkeeping laws require, which in California is at least four years from the date the record is created or the hiring decision is made, and longer where a complaint, claim or legal hold requires. Interview recordings are kept for as long as needed for the hiring process and any review of it, and as the law requires. Unless you ask us not to, we may also keep your information to consider you for other positions; tell us at any time, using the contact details in Section 17, if you do not want that, and we will stop, subject to the records the law requires us to keep.

Your rights. If you are a California resident, you have the rights described in Section 12 and in the California Privacy Notice, through the same methods. Applicants in other states have the rights their state's law gives them, and most state privacy laws do not reach applicant information. If you are hired, information about your employment is governed by the notices we give employees.

15. Third-party sites and services

The Sites link to services we do not control, including loan servicing portals operated by third parties, review platforms, and social media. Those services have their own privacy policies. Information we receive from a third-party portal is handled under the notice and privacy laws that apply to it.

16. Changes to this Policy

We may update this Policy from time to time. We notify you of changes by posting the revised Policy on the Sites with a new effective date. Where the law requires it, we will give you additional notice of a material change and obtain any consent the law requires before we use or disclose personal information we already hold for a materially different purpose. An update to this Policy does not override the choices you have made or the rights the law gives you.

17. Contact us

Privacy questions or requests: JMAC Lending, Inc., Attn: Privacy, 3200 Park Center Drive, Suite 350, Costa Mesa, CA 92626 · info@jmaclending.com · (855) 738-0931 toll-free · 949-390-2688.

If you have an accessibility need, contact us for this Policy in an alternative format.

California Privacy Notice and Notice at Collection

This notice supplements the Privacy Policy for California residents and is provided under the California Consumer Privacy Act as amended by the California Privacy Rights Act ("CCPA") and its regulations. It is also our notice at collection under the CCPA regulations: it lists the categories of personal information and sensitive personal information we collect, the purposes for which we collect and use them, whether each category is sold or shared, and the retention period or criteria for each category. It is part of the JMAC Privacy Policy, available at jmaclending.com/privacy-policy. Terms defined in the CCPA have the same meaning here. Last updated: October 12, 2026.

What this notice does not cover. Personal information collected, processed, sold or disclosed subject to GLBA or the California Financial Information Privacy Act is exempt from the CCPA rights described here (Civil Code § 1798.145(e)), as is activity regulated by the Fair Credit Reporting Act to the extent the CCPA exempts it. Your rights regarding that information are described in our Consumer Privacy Notice. The line is drawn by the information, not the timing: information an individual gives us to find out whether they may qualify for a loan for personal, family or household purposes is generally nonpublic personal information under GLBA whether or not an application follows. Site activity, cookie and device data, general questions asked of an AI tool, and information about mortgage professionals, business contacts and job applicants are covered by this notice, as is any other personal information to which no exemption applies.

Categories of personal information we collect, and why. Depending on how you interact with us, we collect the categories described below from the sources listed in Section 3, and we have collected them in the preceding 12 months. We use them for the purposes described in Section 4, in summary: to provide and improve the Sites and our tools, including JMAC Intelligence; to evaluate and work with mortgage professionals; to respond to inquiries and provide support; to evaluate job applicants; to market where permitted; to secure the Sites and prevent fraud and misuse; and to comply with law and enforce our agreements. We use sensitive personal information only for the purposes described in the sensitive personal information entry below. We disclose these categories for business purposes to the categories of recipients listed in Section 7, and we have not sold or shared any category. Where we cannot state a fixed period, the criteria we use are how long we are working with you, the periods our regulators, investors and agreements require, the time needed to resolve disputes and keep our systems secure, and whether you have asked us to delete the information and no exception requires us to keep it. The retention period or criteria for each category is given with that category below; Section 9 has more detail.

• Identifiers (name, postal address, email, phone, account name, IP address, device identifiers). Collected: yes. Disclosed for a business purpose to: service providers (AI, CRM and forms, hosting and security, analytics), mortgage professionals and business partners, affiliates. Sold or shared: no. Retained: while your inquiry or relationship is active, then for the recordkeeping, dispute and security periods described in Section 9; for job applicants, as described in Section 14.
• Personal information categories in Cal. Civ. Code § 1798.80(e) (name, address, phone, and, when you provide it, financial information). Collected: yes. Disclosed to: service providers, mortgage professionals and business partners, affiliates. Sold or shared: no. Retained: while your inquiry or relationship is active, then for the recordkeeping, dispute and security periods described in Section 9.
• Characteristics of protected classifications (for example, age or marital status if you volunteer it in an inquiry, or demographic information a job applicant volunteers). Collected: only if volunteered. Disclosed to: service providers. Sold or shared: no. Retained: for inquiries, as long as the inquiry requires; for job applicants, as described in Section 14.
• Commercial information (products or services considered, inquiry history). Collected: yes. Disclosed to: service providers, mortgage professionals and business partners, affiliates. Sold or shared: no. Retained: while your inquiry or relationship is active, then for the recordkeeping and dispute periods described in Section 9.
• Internet or other electronic network activity (browsing and interaction with the Sites, chat conversations). Collected: yes. Disclosed to: service providers (AI, hosting and security, analytics). Sold or shared: no. Retained: for the period needed to keep the Sites secure, detect fraud and understand how the Sites are used. Conversations are retained as described in Section 9.
• Geolocation data (approximate location from IP address only). Collected: yes. Disclosed to: service providers. Sold or shared: no. Retained: with the website and security logs it comes from.
• Audio, electronic or visual information (recorded calls where permitted, chat transcripts, files you upload, and recorded video interviews of job applicants). Collected: yes. Disclosed to: service providers. Sold or shared: no. Retained: for the periods described in Sections 9 and 14, and for any longer period the law or a litigation hold requires.
• Professional or employment-related information (employer, title, NMLS ID, licensing, and for job applicants the application materials described in Section 14). Collected: yes, from mortgage professionals, business contacts and job applicants. Disclosed to: service providers, affiliates. Sold or shared: no. Retained: for mortgage professionals, for the life of the partner relationship and afterward for the period our regulators and agreements require; for job applicants, as described in Section 14, which is the notice at collection for applicants.
• Inferences drawn from the above to personalize content or route your inquiry, and, for job applicants, the scores or rankings produced by automated screening tools (Section 14). Collected: limited. Disclosed to: service providers. Sold or shared: no. Retained: inquiry inferences only as long as needed to route or personalize your inquiry; applicant screening outputs with the application record, as described in Section 14.
• Sensitive personal information (account sign-in information; and, where a form or tool asks for it or you include it in a form, chat or upload, other sensitive information such as a Social Security number, financial account number, citizenship, immigration or work authorization status, or demographic or disability information an applicant volunteers). Collected: yes. Disclosed to: service providers. Sold or shared: no. Retained: sign-in information for as long as needed to operate and secure your account; other sensitive information for as long as reasonably needed for the purpose you gave it to us; for job applicants, as described in Section 14. We use sensitive personal information only for purposes permitted by 11 CCR § 7027(m), such as providing the service you requested, processing a job application, securing accounts and preventing fraud, and maintaining and improving the quality and safety of our own services, and only to the extent reasonably necessary and proportionate for those purposes. For that reason we do not offer a "Limit the Use of My Sensitive Personal Information" link.

Sale and sharing. We do not sell personal information and we do not share it for cross-context behavioral advertising, and we have not done so in the preceding 12 months. We have no actual knowledge of selling or sharing the personal information of consumers under 16. Because we do not sell or share, we do not post a "Do Not Sell or Share My Personal Information" link. Section 12 explains how we treat opt-out preference signals.

Automated decisionmaking technology. We use automated screening tools in hiring, as Section 14 describes. That Section is our notice about that use and explains how to ask for a person to review a decision and how to ask about the tools' use in your case. We do not use automated decisionmaking technology to make credit decisions: JMAC Intelligence provides information and does not decide whether we extend credit or on what terms; credit decisions are made by our underwriting staff.

Your California rights. You have the right to know the categories and specific pieces of personal information we have collected about you, the categories of sources, our purposes, and the categories of third parties to which we disclosed it; to delete personal information we collected from you, subject to exceptions; to correct inaccurate personal information; to opt out of sale or sharing (we do not sell or share); to limit the use of sensitive personal information (we use it only for permitted purposes); to access information about, and where the law provides to opt out of, automated decisionmaking technology used for significant decisions (we use it only in hiring, and Section 14 explains the human review and access routes); and not to be retaliated against for exercising your rights. We do not offer financial incentives in exchange for personal information.

How to exercise your rights. Use any of the methods in Section 12, which also describes verification, authorized agents, response times and appeals.

Shine the Light. Under Civil Code § 1798.83, California customers may request information about our disclosure of personal information to third parties for their direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes without your consent. To make a request, contact us using the methods in Section 17.

Contact for California requests. JMAC Lending, Inc., Attn: Privacy, 3200 Park Center Drive, Suite 350, Costa Mesa, CA 92626 · info@jmaclending.com · (855) 738-0931 toll-free.