Privacy Policy
Effective date: [REVIEW: insert effective date when published]
Last updated: [REVIEW: insert update date]
This Privacy Policy explains how Doug Betz, operating as Doug Betz Real Estate & Lending (“we,” “us,” or “our”), collects, uses, shares, and protects information about you when you visit dougbetz.com, contact us, or use our services. We are committed to protecting your privacy and complying with applicable privacy and financial-services laws.
Important: Doug Betz is a Mortgage Loan Originator (NMLS #1339730) operating under C2 Financial Corporation (NMLS #135622) and a licensed California Real Estate Salesperson (DRE #01181814). When you apply for a loan or otherwise become a customer, additional privacy notices may apply under federal and state law (including the Gramm-Leach-Bliley Act and applicable C2 Financial privacy disclosures). Those notices supplement this website privacy policy.
1. Information We Collect
Information you provide directly
When you contact us, fill out a form, schedule a call, or apply for our services, you may provide:
- Name, email address, phone number, and mailing address
- Property address or address of interest
- Information about your real estate or financing goals
- Messages or questions you send us
- Financial information necessary to evaluate a mortgage application (collected through secure third-party loan-application systems, not this website)
Information collected automatically
When you visit our website, we and our service providers may automatically collect:
- Device and browser type, operating system, and screen size
- IP address and approximate geographic location
- Pages viewed, time on site, and referring URL
- Cookies and similar technologies (see Section 6)
Information from third parties
We may receive information about you from referral partners, real estate platforms, credit-reporting agencies (only with your consent during a loan application), and public records.
2. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide the services you request
- Evaluate and process real estate transactions and mortgage applications
- Communicate with you about your transaction, market updates, or services you have requested
- Improve our website and services
- Comply with legal, regulatory, and licensing obligations (including NMLS, DRE, and C2 Financial requirements)
- Detect and prevent fraud or unauthorized activity
3. How We Share Your Information
We do not sell your personal information. We may share information with:
- C2 Financial Corporation — our supervising mortgage broker, as required for loan origination and regulatory compliance.
- Lenders, escrow companies, title companies, and real estate professionals — when necessary to complete a transaction you have requested.
- Service providers — companies that help us operate our website, send communications, or provide analytics, under confidentiality obligations.
- Government agencies and regulators — when required by law, subpoena, or licensing authority.
- In connection with a business transfer — for example, a sale or merger, subject to applicable confidentiality requirements.
[REVIEW WITH C2: Confirm specific language regarding sharing of nonpublic personal information under GLBA / Regulation P. C2 likely has a required form of GLBA privacy notice that should either replace or supplement this section.]
4. Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you certain rights regarding your personal information, including:
- The right to know what personal information we collect, use, disclose, and share
- The right to request deletion of personal information we have collected from you, subject to legal exceptions
- The right to correct inaccurate personal information
- The right to opt out of the sale or sharing of personal information (we do not sell your personal information)
- The right to limit the use of sensitive personal information
- The right to be free from discrimination for exercising these rights
To exercise these rights, contact us using the information in Section 9. We may need to verify your identity before processing your request. Information collected in connection with a financial product or service may be exempt from CCPA under the GLBA exemption; in those cases, federal and state financial privacy laws apply instead.
5. How We Protect Your Information
We use reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. These include encrypted data transmission (HTTPS), restricted access to records, and use of vetted service providers. No system is completely secure, however, and we cannot guarantee absolute security.
6. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to remember your preferences, measure site performance, and understand how visitors use the site. [REVIEW: list specific tools you use — e.g., Google Analytics, Google Maps, embedded YouTube, Meta Pixel, etc. If none, say so.]
You can control cookies through your browser settings. Disabling cookies may affect how the site works.
7. Third-Party Links and Services
Our site may link to third-party websites or include embedded content (for example, video players, maps, or social media). We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing them with personal information.
8. Children’s Privacy
Our services are not directed to children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us so we can delete it.
9. Contact Us
If you have questions about this Privacy Policy, or wish to exercise any of your privacy rights, please contact:
Doug Betz Real Estate & Lending30211 Avenida de las Banderas, Suite 200
Rancho Santa Margarita, CA 92688
Phone: (949) 315-9058
Email: [email protected]
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top. Material changes will be communicated through a prominent notice on our website. Your continued use of our services after a change becomes effective constitutes acceptance of the updated policy.
Disclaimer: This Privacy Policy is a starting template and has not been reviewed by an attorney. Before publishing, please have it reviewed by a qualified legal professional and confirm any required language with C2 Financial Corporation’s compliance department.