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Privacy Policy

Golden Gate Lending Group (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://gglendinggroup.com/, apply for a loan, or communicate with us.

As a California-based lending group, we are committed to compliance with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

1. Information We Collect

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and services, when you participate in activities on the website (such as filling out a contact form or loan application), or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the choices you make. This may include:

      • Personal Identifiers: Name, postal address, email address, phone number, and unique personal identifiers.

      • Financial Information: If you apply for a loan, we may collect income details, employment history, bank account information, credit history, property details, and other financial data necessary to underwrite your bridge loan.

      • Professional or Employment-Related Information: Job title, employer name, and business contact info.

      • Commercial Information: Records of products or services purchased, obtained, or considered (e.g., loan history).

    Information Automatically Collected

    We automatically collect certain information when you visit, use, or navigate the Website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as:

        • IP address

        • Browser and device characteristics

        • Operating system

        • Language preferences

        • Referring URLs

        • Location data (general geographic location)

        • Information about how and when you use our website (via cookies and pixels, such as the Facebook Pixel and Google Analytics)

      2. How We Use Your Information

      We use the information we collect or receive for the following purposes:

          • To Facilitate Account Creation and Loan Processes: To process your bridge loan application, underwrite your file, and manage your account.

          • To Communicate with You: To send you information about your loan status, respond to inquiries, and schedule consultations.

          • Marketing and Promotional Communications: To send you marketing emails, newsletters, or event invitations (such as realtor workshops). You can opt-out of these at any time.

          • To Enforce our Terms: To ensure compliance with our legal terms and policies.

          • Legal Compliance: To comply with applicable laws, including California DFPI and DRE regulations, and to respond to legal requests and prevent harm.

        3. SMS/Mobile Messaging Privacy & Consent

        No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

        4. How We Share Your Information

        We do not sell your personal information to third parties. We may share your data in the following situations:

            • Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf (e.g., credit reporting agencies, payment processors, email delivery services, and data analytics).

            • Business Partners: We may share limited information with real estate agents or mortgage brokers specifically involved in your transaction to facilitate your bridge loan closing.

            • Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.

            • Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

            • Notwithstanding any other provision in this policy, no mobile phone numbers or opt-in consent gathered for SMS purposes will be shared with third parties or affiliates for marketing purposes.

          5. Your Rights (California Residents)

          Under the California Consumer Privacy Act (CCPA) and CPRA, California residents have specific rights regarding their personal information:

              • Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.

              • Right to Delete: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (such as legal retention requirements for loan documents).

              • Right to Correct: You have the right to request that we correct inaccurate personal information.

              • Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

            To exercise these rights, please contact us at (415) 706-8465 or by email (see contact section below).

            6. Cookies and Tracking Technologies

            We may use cookies, web beacons, and tracking pixels (including the Facebook Pixel) to access or store information. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

            7. Data Security

            We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk.

            8. Third-Party Websites

            Our website may contain links to other websites (e.g., social media platforms like Facebook, Instagram, LinkedIn). We are not responsible for the privacy practices or the content of such third-party websites. We encourage you to review the privacy policies of those third-party sites.

            9. Updates to This Policy

            We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

            10. Contact Us

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

            Golden Gate Lending Group (FJM Management, LLC / FJM Capital, Inc.) Address: 5341 Old Redwood Hwy N, Suite 200, Petaluma, CA 94954 Phone: (415) 706-8465 Website: https://gglendinggroup.com/

                • FJM MANAGEMENT, LLC DBA GOLDEN GATE LENDING GROUP is licensed by CA DFPI under CFL #60DBO-77543

                • FJM CAPITAL, INC. DBA GOLDEN GATE LENDING GROUP is licensed by CA DRE BROKER #01918610, NMLS #958346