Privacy Policy & Disclosures

Information we collect

We collect two general categories of information. Personal information is information that identifies you as an individual or relates to an identifiable person, and includes items such as your name, mailing and property addresses, email address, phone number, date of birth, Social Security number, income, employment, assets, debts, credit history, and other financial details you provide when you request a quote, submit an application, upload documents, or otherwise interact with a loan officer. Non-personal information is technical and usage data that does not on its own identify you, such as browser type, device type, operating system, referring URLs, pages viewed, timestamps, and general geographic location derived from your IP address.

Cookies and similar technologies

The Site uses cookies, pixels, local storage, and comparable technologies to remember your preferences, measure engagement, secure sessions, and support marketing analytics. You can configure your browser to refuse cookies or alert you when cookies are being sent; some portions of the Site may not function properly if cookies are disabled.

How we use your information

We use the information we collect to respond to inquiries; evaluate loan scenarios; process, submit, and underwrite mortgage applications through wholesale lender partners; verify your identity and prevent fraud; communicate with you about your file, disclosures, and closing; personalize and improve the Site and our services; deliver relevant marketing (where permitted by law); and comply with legal, regulatory, licensing, and record-keeping obligations. We do not sell your personal information.

How we share your information

We share personal information only as needed to deliver the services you request or as permitted or required by law, including with: wholesale mortgage lenders and investors reviewing your loan; credit bureaus, appraisers, title and escrow companies, insurance providers, notaries, and settlement agents; service providers that host our Site, send communications, verify identity, or provide analytics under written confidentiality obligations; regulators, licensing agencies, courts, and law-enforcement authorities when legally required; and successor entities in the event of a merger, acquisition, or sale of assets. WestFi does not sell your personal information for money, and we do not share your personal information with unaffiliated third parties for their own independent marketing.

Website service providers

Tawk.to provides live chat and processes information you enter into that chat. The educational assistant sends your submitted messages and conversation history through the Lovable AI gateway for AI processing. Resend delivers form-notification emails containing the information you submit to WestFi.

When you continue to scheduling, Cal.com receives your first and last name, email, phone number, call reason, and mortgage-late answer to prefill the appointment tool. Address suggestions send your typed address text and a session token to Google Places; selecting a suggestion requests its address details. Property lookups send the selected or submitted property address to RentCast for property records and estimated values. Following Zillow or Realtor.com property links sends the address in the linked URL to that site.

Please do not enter Social Security numbers, account numbers, or financial documents into chat or the educational assistant. These providers process information under their own privacy policies.

Gramm-Leach-Bliley Act (GLBA) notice

As a mortgage brokerage, WestFi is a “financial institution” under the federal Gramm-Leach-Bliley Act. We collect nonpublic personal information about you from applications and other forms you submit, from your transactions with us and our lender partners, and from consumer-reporting agencies. We do not disclose your nonpublic personal information about current or former customers to anyone except as permitted by law (for example, to process your loan, service your account, respond to subpoenas, or comply with regulators). We maintain physical, electronic, and procedural safeguards that comply with applicable federal and state standards to protect that information.

TCPA consent and communications

When you ask WestFi to contact you, we may respond by telephone or email regarding your inquiry. Submitting the general Contact form does not enroll you in marketing text messages or authorize automated or prerecorded marketing calls. If WestFi offers communications requiring consent under the TCPA, the applicable form will provide a separate clear and conspicuous consent disclosure at the point of collection. Consent to such marketing communications is not a condition of obtaining mortgage information or services. You may opt out of marketing communications using the method stated in the message; transactional communications related to an active loan file may still be sent as permitted by law.

Book a Call includes a separate optional text-permission checkbox, unchecked by default, for messages only about that inquiry and appointment. You can continue to scheduling with or without checking it. An unchecked box, or a legacy request without a choice, grants no text permission. Your Yes or No choice is recorded in WestFi’s internal lead-notification email delivered through Resend; the choice is not passed to Cal.com. It does not enroll you in marketing or authorize automated or prerecorded marketing communications. Message and data rates may apply. You may withdraw this permission by telling WestFi or replying STOP to a text message.

Data security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction, including encrypted document portals, access controls, and staff training. No method of transmission over the Internet or method of electronic storage is fully secure, so we cannot guarantee absolute security. Please do not send sensitive information such as Social Security numbers or tax documents by unencrypted email.

Data retention

We retain personal information only for as long as reasonably necessary to provide the requested services and satisfy applicable federal and state mortgage, licensing, tax, audit, dispute-resolution, and record-keeping obligations.

Third-party sites

The Site may link to third-party websites, calculators, lender portals, review platforms, or scheduling tools that are not controlled by WestFi. We are not responsible for the content, privacy practices, or security of those third-party properties. We encourage you to review their privacy notices before providing any information.

Children’s privacy

The Site is intended for users age 18 and older. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to WestFi, please contact us and we will delete it.

Your choices

You may request access to, correction of, or deletion of personal information we hold about you, subject to legal and record-keeping exceptions. You may also opt out of marketing communications as described above. To exercise these choices, email privacy@west-fi.com from the email address on file. We may need to verify your identity before acting on your request.

Changes to this Privacy Policy

WestFi may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of the Site after changes are posted constitutes your acknowledgment of, and agreement to abide by, the updated policy.

Contact us

Questions about this Privacy Policy, our data practices, or your rights can be directed to: privacy@west-fi.com.