Privacy Policy for Sunshine Capital Holdings, LLC DBA Keyline Mortgage
Last Updated: March 26, 2025
Welcome to Sunshine Capital Holdings, LLC, doing business as Keyline Mortgage (“Keyline Mortgage,” “we,” “us,” or “our”). We are a mortgage brokerage licensed by the California Department of Financial Protection and Innovation (DFPI) committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, interact with our services, or engage with us as a client or prospective client.
By using our website or submitting your information to us, you agree to the terms of this Privacy Policy, including our right to contact you via phone, email, or text message as outlined below.
1. Information We Collect
We may collect the following types of information:
- Personal Information: This includes your name, address, email address, phone number, Social Security number, date of birth, financial details (e.g., income, credit score, mortgage details), and other information you provide when applying for mortgage services or contacting us.
- Non-Personal Information: This includes browser type, IP address, device information, and website usage data collected via cookies or similar technologies.
- Third-Party Information: We may obtain information from credit bureaus, financial institutions, or other third parties as part of the mortgage application process.
2. How We Collect Information
We collect information in the following ways:
- Directly from You: When you fill out forms on our website, request a quote, or contact us via phone, email, or text.
- Automatically: Through cookies, web beacons, and analytics tools when you visit our website.
- From Third Parties: From credit reporting agencies, lenders, or other partners involved in the mortgage process.
3. How We Use Your Information
We use your information to:
- Provide mortgage brokerage services, including processing applications, obtaining loan quotes, and facilitating financing.
- Communicate with you about your inquiries, applications, or services.
- Improve our website, services, and customer experience.
- Comply with legal and regulatory requirements as a DFPI-licensed mortgage brokerage.
- Market our services, including contacting you with offers, updates, or promotions (see “Consent to Contact” below).
4. Consent to Contact
By providing your personal information and agreeing to this Privacy Policy, you expressly consent to us contacting you via phone, email, or text message for purposes related to your mortgage inquiry, application, or ongoing services. This may include promotional offers, rate updates, or follow-up communications. You may opt out of marketing communications at any time by following the instructions in the message or contacting us directly (see “Your Choices” below).
5. How We Share Your Information
We may share your information with:
- Lenders and Financial Institutions: To process your mortgage application or secure financing on your behalf.
- Service Providers: Third-party vendors who assist with website hosting, data storage, payment processing, or marketing (under strict confidentiality agreements).
- Regulatory Authorities: As required by the DFPI or other legal obligations.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to a successor entity.
- Legal Purposes: To comply with court orders, subpoenas, or to protect our rights, property, or safety.
We do not sell your personal information to third parties for their own marketing purposes.
6. How We Protect Your Information
We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Your Choices
You have the following rights regarding your information:
- Opt-Out: You may unsubscribe from marketing emails or text messages by clicking “unsubscribe” in our communications or contacting us directly.
- Access and Update: You may request access to or correction of your personal information by contacting us.
- California Residents: Under the CCPA, you may have additional rights, such as requesting the deletion of your data or knowing what information we’ve collected about you. Submit requests as outlined below.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze website traffic, and deliver personalized content. You can manage cookie preferences through your browser settings, though disabling them may affect website functionality.
9. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of these sites. We encourage you to review their privacy policies.
10. Children’s Privacy
Our services are not directed to individuals under 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such data, please contact us immediately.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The “Last Updated” date at the top will reflect the latest revision. Continued use of our services after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us.