Privacy Policy

Privacy Policy

Last updated: 2026

We respect your privacy and work hard to protect it. This policy explains what we collect, how we use it, who we share it with, and the choices you have. By using our website and services, you consent to this policy.

Who we are

Padi Goodspeed

Phone: 916-257-9435

Email: [email protected]

Website: https://www.padigoodspeed.com/

Address: 4769 Copperfield Circle, Granite Bay, CA, 95746

Scope

This policy covers information collected online and offline, including our website, landing pages, forms, phone calls, text messaging, and emails.

The information we collect

The types of personal information we collect depend on how you interact with us. This can include:

Identifiers and contact details

Name, date of birth, email, phone number, physical address, how long you have lived at that address, Social Security number, driver’s license number, and similar identifiers

Application and financial details

Employment and income, active military duty status, banking account information, loan amount requested, loan purpose, preferred contact time

Communications

Messages you send us and our notes about those interactions

Tracking and technical data

IP address, browser or app type, Internet Service Provider, date and time stamps, referring and exit pages, on-site activity, and geolocation data if enabled on your device

Credit information

Credit report details from credit reporting agencies. We collect this to help serve you. We do not share your credit report.

How we collect information

You provide it directly when you create an account, request a loan, complete our forms, or communicate with us

We collect it automatically through cookies and similar technologies when you use our site

We may receive it from third parties such as affiliates, service providers, and credit bureaus

How we use information

We may use personal information to:

Process your request and try to connect you with a lender

Provide products, services, alerts, and updates you ask for

Improve our website, services, and user experience

Run testing, research, analytics, and product development

Protect the rights, property, and safety of you, us, and others

Comply with laws, regulations, subpoenas, or court orders

Communicate with you about your inquiry, account activity, service updates, and other information related to the services you request

Evaluate or complete a merger, sale, or other transfer of assets

How we share information

We share personal information only as necessary to operate our business and provide the services you request.

When information is shared for a business purpose, recipients are required to keep it confidential and use it only for that purpose.

We may share information with:

Lenders and networks of lenders to evaluate your request

Agents of record for lenders

Service providers that support our website, communications systems, CRM platform, and technical operations

Government authorities or law enforcement when required by law or to protect rights and safety

Parties involved in a merger, acquisition, or other corporate transaction

Mobile phone number protection

We do not sell, rent, lease, or share mobile phone numbers or SMS consent information with third parties. Mobile phone numbers are used only to deliver messages you have requested or consented to receive, such as confirmations, reminders, updates, and service-related communications. Limited information may be shared with service providers solely as required to operate and deliver these communications.

Your ability to limit sharing

At the time you submit a loan request, we generally must share with lender networks to process your request. You cannot limit that sharing at the time of submission.

After you submit a request, you may limit most ongoing sharing by contacting us at 916-257-9435 or [email protected].

Information we do not collect or share

We do not collect or share your signature, physical characteristics or description, passport number, medical information, or health insurance information.

Text messaging and A2P 10DLC compliance

We use GoHighLevel’s communications platform to send some text messages. GoHighLevel is provided by HighLevel LLC. Our SMS program follows applicable laws and carrier rules for Application-to-Person (A2P) messaging.

SMS disclosures

• Message and data rates may apply

• Message frequency may vary

• Reply STOP to opt out at any time

• Reply HELP for help

• Wireless carriers are not liable for delayed or undelivered messages

Program description

We send text messages related to the mortgage services you request. These messages may include confirmations, reminders, next steps, document requests, status updates, and other service-related information connected to your inquiry.

Opt-in consent

You will only receive automated or recurring text messages if you voluntarily provide consent. Consent may be collected when you:

• Check a consent box or submit a form that clearly states you agree to receive text messages

• Text a keyword to one of our phone numbers

• Provide written, electronic, or recorded consent during a phone call or agreement

Your consent to receive text messages is not a condition of purchase or loan approval. Message and data rates may apply.

Message frequency

Message frequency varies based on your interaction with us and the services you request. You may receive recurring messages depending on your activity, loan status, and communication preferences

Carriers require a frequency statement even if it is flexible.

Opt-out

You may opt out of receiving text messages at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or OUT. After opting out, you will receive one final confirmation message and no further automated messages unless you re-consent. You may also opt out by contacting us at 916-257-9435 or [email protected].

Help and support

Reply HELP for help. You can also reach us at 916-257-9435 or [email protected].

Carrier disclosure

Wireless carriers are not liable for delayed or undelivered messages.

Eligibility

You must be the account holder or have account holder permission to enroll a mobile number.

Data use and privacy

We store and process SMS consent logs and message metadata to show compliance and to deliver the service. These records are handled under this privacy policy and applicable laws.

SMS consent usage

SMS consent information is used solely to communicate with you about the services you request. SMS consent data is not shared with third parties and is not used for purposes unrelated to your inquiry or services.

HighLevel policies

We follow HighLevel’s Acceptable Use and Messaging policies. For more information, see HighLevel’s website and documentation about SMS, A2P registration, and acceptable content.

A2P 10DLC registration

We register our brand and use case as required by U.S. carrier networks and keep registration details current. We may limit messaging to approved campaigns and required templates to meet carrier rules.

Prohibited content

We do not send content that violates laws or carrier rules. This includes illegal, harmful, hateful, or deceptive material, and restricted categories not allowed by carriers.

Cookies and tracking

Cookies help us remember your preferences, understand how visitors use our site, and improve performance. You can block or delete cookies in your browser settings. Some features may not work without cookies. Our partners and affiliates may set their own cookies. We do not control third party cookies.

Do Not Track

Your browser may send Do Not Track signals. Our site does not respond to DNT signals. Third parties may handle DNT differently. Review their policies for details.

Data security

We use administrative, technical, and physical safeguards that meet applicable law to protect your information. No system is perfectly secure. We work to keep your data safe and to reduce risk.

Data retention

We keep information as long as needed to provide services, meet legal obligations, resolve disputes, and enforce agreements. We delete or de-identify data when it is no longer required.

Children’s privacy

Our services are not directed to children under 18. We do not knowingly collect information from children under 18. If you believe a child provided information to us, contact us and we will delete it.

Your choices

Access and updates

Contact us to request access or correction of your information.

Communication preferences

You may opt out of receiving emails at any time by using the unsubscribe link included in those emails.

You may opt out of receiving text messages at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or OUT. After opting out, you will receive one final confirmation message and no further automated text messages unless you provide new consent.

You may also contact us at 916-257-9435 or [email protected] to update your communication preferences.

Cookies

Manage cookie preferences in your browser.

California privacy rights

If you are a California resident, you may have rights under the California Consumer Privacy Act as amended by the CPRA.

You can request:

The categories and sources of personal information we collected

The purposes for which we collected or shared it

The categories of third parties we shared it with and why

The specific pieces of personal information we collected about you

Deletion

You can ask us to delete your personal information, subject to legal exceptions such as completing transactions, detecting security incidents, debugging, complying with legal duties, and other permitted uses.

How to exercise rights

Email [email protected] with the subject line “California Privacy Request,” or call 916-257-9435. We will verify your identity or your agent’s authority before acting on a request. You may make access or portability requests up to two times in a 12-month period. We do not charge a fee unless a request is excessive or repetitive. If a fee applies, we will tell you the cost before completing your request.

Right to opt out of sale or sharing

If we sell or share your personal information as defined by California law, you may direct us to stop by contacting [email protected] or 916-257-9435 and stating “California Opt Out.”

Non-discrimination

We will not discriminate against you for exercising your rights.

Shine the Light

California Civil Code § 1798.83 allows California residents to request information about certain disclosures of personal information to third parties for their own commercial purposes.

Additional disclosures

All categories described in “The information we collect” may have been collected and disclosed for a business purpose during the past 12 months. We may update this policy if our practices change.

Changes to this policy

We may update this policy from time to time. If we make material changes, we will revise the date at the top and post the updated policy. Use of our services is also governed by our Terms of Service, which include additional information about our messaging programs and user responsibilities. Review this policy each time you use our site or services. Your continued use means you accept the updated policy.

How to contact us

Questions about this policy or our privacy practices:

Padi Goodspeed

Phone: 9162579435

Email: [email protected]

Website: https://www.padigoodspeed.com/

Address: 4769 Copperfield Circle, Granite Bay, CA, 95746