Privacy Policy

This Privacy Policy explains how Joshua Lopez and Got Mortgage Solutions, a dba of Limestone Investments, Inc. (“Got Mortgage Solutions,” “we,” “us,” or “our”), collect, use, disclose, and protect personal information obtained through joshualopezloans.com, our online forms, advertisements, telephone calls, text messages, emails, and related mortgage and home-equity inquiries.

Joshua Lopez is a California mortgage loan originator, NMLS #2230624. Mortgage services are provided through Got Mortgage Solutions, a dba of Limestone Investments, Inc., NMLS #2448495.

Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

• Contact information: Your name, telephone number, email address, mailing address, and preferred method of contact.
• Property information: Property address, estimated property value, mortgage balance, occupancy status, property type, and information concerning your home equity or financing needs.
• Financial and mortgage information: Information you voluntarily provide concerning income, employment, assets, debts, credit profile, desired loan amount, or mortgage goals.
• Inquiry information: The service or loan product you are interested in, questions you submit, appointment information, and records of our communications with you.
• Internet and device information: IP address, browser type, device type, operating system, referring website, pages visited, approximate location derived from an IP address, and interactions with the website.
• Advertising and analytics information: Information concerning how you found our website or advertisement and how you interact with our website, forms, or marketing campaigns.
• Communication information: Emails, text messages, telephone-call information, form submissions, and your communication preferences.

Please do not submit Social Security numbers, banking credentials, or other highly sensitive financial documents through a general website contact form. If sensitive documentation is needed for a mortgage application, we will provide an appropriate secure method for submitting it.

How We Collect Information

We may collect personal information:

• Directly from you when you complete a website form, respond to an advertisement, call, text, email, or otherwise communicate with us.
• Automatically through website analytics, cookies, and similar technologies.
• From advertising platforms when you respond to one of our advertisements or lead forms.
• From service providers that support our website, communications, customer relationship management, or mortgage-inquiry process.
• From publicly available property records or other sources when permitted by law.

How We Use Personal Information

We may use personal information to:

• Respond to your mortgage, home-equity, real estate, or general inquiry.
• Contact you by telephone, text message, or email when you have requested information or provided appropriate consent.
• Evaluate your stated mortgage or home-equity needs.
• Schedule consultations and provide requested information.
• Maintain records of inquiries and communications.
• Operate, maintain, secure, and improve the website.
• Measure website traffic and advertising performance.
• Detect fraud, misuse, security incidents, or unlawful activity.
• Comply with mortgage-industry recordkeeping requirements, legal obligations, regulatory requests, court orders, or lawful government demands.
• Establish, exercise, or defend legal rights.

Submitting an inquiry does not constitute a mortgage application, approval, loan commitment, or guarantee of financing.

How We Disclose Personal Information

We may disclose personal information to:

• Got Mortgage Solutions and personnel involved in responding to or processing your inquiry.
• Mortgage lenders, settlement-service providers, or other parties when you request or authorize us to proceed with a mortgage transaction.
• Website-hosting, analytics, communications, customer-relationship-management, advertising, and technical service providers that perform services on our behalf.
• Professional advisers, auditors, compliance providers, attorneys, or regulators.
• Government agencies, courts, law-enforcement authorities, or other parties when disclosure is required or permitted by law.
• A successor or affiliated organization in connection with a merger, acquisition, restructuring, or transfer of business assets, subject to applicable law.

Service providers are permitted to use information only as necessary to provide their services or as otherwise permitted by law.

Sale and Sharing of Personal Information

We do not sell personal information for money.

We do not knowingly sell or share personal information for cross-context behavioral advertising as those terms are defined under the California Consumer Privacy Act.

We may use service providers for website analytics and advertising measurement. These providers may receive limited internet or device information to perform services on our behalf. If our practices change in a way that constitutes selling or sharing under California law, we will update this Policy and provide any legally required opt-out method.

Cookies and Analytics

The website may use cookies, analytics tools, and similar technologies to understand website traffic, identify technical problems, measure advertising performance, and improve the user experience.

Browser settings may allow you to block or delete cookies. Disabling cookies may affect some website functionality.

Where legally required and technically supported, we will recognize applicable browser-based opt-out preference signals, such as Global Privacy Control.

Telephone Calls and Text Messages

When you separately provide consent to receive calls or text messages, Joshua Lopez and Got Mortgage Solutions may contact you at the telephone number you provided regarding your mortgage, home-equity, or related inquiry.

Messages may be sent using automated technology. Message frequency varies. Message and data rates may apply. Consent to receive automated marketing calls or text messages is not a condition of purchasing any property, goods, or services.

Reply STOP to a text message to opt out of further text messages. Reply HELP for assistance. You may also request that we stop contacting you by calling 323-762-9786.

After an opt-out request, you may receive a final message confirming that your request has been processed. Opting out of marketing messages does not prevent communications that are legally required or necessary to service an existing transaction.

Mobile information and text-message consent will not be sold or shared with third parties for their independent marketing purposes. We may disclose information to communications providers that help us deliver messages and operate the messaging program.

Wireless carriers are not responsible for delayed or undelivered messages.

Email Communications

You may ask us to stop sending marketing emails by using an unsubscribe method included in the email, when available, or by contacting us. We may continue sending nonmarketing communications concerning an active inquiry or transaction when permitted by law.

Data Retention

We retain personal information only for as long as reasonably necessary to respond to inquiries, provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy legal or regulatory requirements.

The applicable retention period depends on the type of information, the nature of the relationship, mortgage-industry recordkeeping requirements, and legal obligations. When information is no longer reasonably needed, we may delete, de-identify, or securely dispose of it.

Data Security

We use reasonable administrative, technical, and organizational safeguards intended to protect personal information. However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.

Do not send Social Security numbers, bank statements, tax returns, identification documents, or account credentials through an unsecured website form, email, or text message.

California Privacy Rights

Subject to applicable law and any relevant exemptions, California residents may have the right to:

• Know the categories and specific pieces of personal information collected about them.
• Know the categories of sources, purposes for collection, and categories of recipients.
• Request deletion of personal information.
• Request correction of inaccurate personal information.
• Opt out of the sale or sharing of personal information.
• Limit certain uses or disclosures of sensitive personal information.
• Receive equal service and not be discriminated against for exercising privacy rights.

We do not sell personal information or use sensitive personal information to infer characteristics about consumers.

Certain information collected or processed in connection with mortgage and financial services may be governed by federal financial-privacy laws, including the Gramm-Leach-Bliley Act, and may be exempt from some California Consumer Privacy Act requirements.

To submit a privacy request, call 323-762-9786 or use the contact form at:

https://www.joshualopezloans.com/contact

We may need to verify your identity before completing a request. Verification may require matching information you provide with information already maintained in our records. We will use verification information only to process the request.

An authorized agent may submit a request on your behalf when permitted by California law. We may require proof of the agent’s authority and verification of your identity.

Children’s Privacy

The website is intended for adults seeking mortgage, real estate, or related services. It is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If we learn that we collected personal information from a child under 13, we will take reasonable steps to delete it.

Third-Party Websites and Services

The website may contain links to lender portals, property-search services, social-media platforms, or other third-party websites. Their privacy practices are governed by their own policies. We are not responsible for the privacy or security practices of third-party websites.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, technology, data practices, or legal obligations. The updated version will be posted on this page with a revised effective date.

Contact Us

For questions, privacy requests, or communication opt-out requests, contact: