Privacy Policy

Effective Date: April 30, 2025
Last Updated: April 30, 2025

Henry Cheng - Mortgage Loan Officer and Notary Public (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information of clients, applicants, and website visitors. This Privacy Policy describes how we collect, use, and share your information when you interact with our mortgage services or visit our website at www.thehenrycheng.com. This policy complies with applicable laws, including the California Consumer Privacy Act (CCPA) and the Gramm-Leach-Bliley Act (GLBA).

1. Information We Collect

We may collect the following categories of personal information when you inquire about or apply for mortgage services:

Personal Identifiers: Full name, address, email, phone number, Social Security number, date of birth.
Financial Information: Income, credit history, employment, bank statements, mortgage-related documents.
Internet Activity: IP address, browser type, pages visited, and usage patterns (through cookies or tracking tools).
Professional or Employment Info: Job title, employer, duration of employment.
Property and Loan Details: Home value, loan amount, purpose (purchase/refinance), occupancy intent.

2. How We Use Your Information

We use your personal information to:

Provide mortgage loan origination services
Evaluate eligibility for mortgage products
Submit and process loan applications with lenders
Communicate regarding your loan or inquiry
Satisfy legal, compliance, or licensing obligations
Improve our website functionality and customer experience

We only collect and retain information that is reasonably necessary for these purposes.

3. How We Share Your Information

We do not sell your personal information.

We may share information with:

Mortgage lenders and wholesale partners (to process your application)
Credit reporting agencies (with your consent)
Regulatory bodies (for licensing and compliance)
IT service providers or CRM platforms (to operate our website and systems securely)
Title, escrow, or appraisal service providers (if applicable to your transaction)

All vendors and partners are contractually obligated to maintain your privacy.

4. Your Rights Under the CCPA (California Residents Only)

Under California law, you have the right to:

Know what categories of personal information we collect and how it’s used
Request access to the specific information we have collected
Request deletion of personal information (with some exceptions, such as regulatory compliance)
Opt out of data sharing for non-business purposes (note: we do not sell data)
Be free from discrimination for exercising your privacy rights

To exercise these rights, email us at [Insert Your Email] or call us at [Insert Phone Number]. We will verify your identity before fulfilling any request.

5. Data Security

We implement appropriate technical and organizational measures to protect your data. However, no method of transmission over the internet is 100% secure. We encourage you to never email sensitive documents unless through a secure link we provide.

6. Cookies and Website Tracking

We may use cookies or analytics tools (such as Google Analytics) to improve our website and monitor performance. You may disable cookies through your browser settings.

7. External Links

This website may contain links to third-party websites, which are governed by their own privacy policies. We are not responsible for the content or data practices of external sites.

8. Children’s Privacy

Our services are not intended for children under 18. We do not knowingly collect data from anyone under 18.

9. Changes to This Policy

We may update this Privacy Policy periodically. When changes are made, the revised version will be posted here with an updated date.

10. Contact Information

Henry Cheng
Licensed Mortgage Loan Officer, NMLS # 1379759
Carlile Lending
1860 Howe Ave #100, Sacramento CA 95825
415-500-5805
henry@thehenrycheng.com
www.thehenrycheng.com