Privacy Policy | Loans by Zain

Introduction

Loans by Zain | Powered by Tam Funding ("we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and safeguard information when you visit our website at loansbyzain.com or contact us about mortgage services.

By using our website, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our site.

Information We Collect

We may collect the following types of information when you use our website or contact us:

Personal Identifiers: Name, phone number, email address
Financial Information: Loan type interest, estimated income, down payment, property information — only as voluntarily provided
Usage Data: Browser type, pages visited, time spent on site (collected anonymously via standard web server logs)
Communications: Messages submitted through our contact form or mortgage assistant tool

      We do not collect Social Security numbers, full financial account numbers, or run credit checks through our website. Any credit inquiry requires your explicit written authorization.
    

How We Use Your Information

We use the information we collect to:

Respond to your mortgage inquiries and pre-qualification requests
Provide information about loan programs relevant to your situation
Contact you about your inquiry via phone, email, or text
Improve the functionality and content of our website
Comply with applicable laws and regulations

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

How We Share Your Information

We may share your information in the following limited circumstances:

Wholesale Lenders: With your consent, we may share your information with lending partners to obtain loan quotes and process your application
Tam Funding: As our sponsoring broker, Tam Funding may have access to client information as required for loan processing and compliance
Legal Requirements: When required by law, court order, or government regulation
Service Providers: Trusted technology providers who assist in operating our website, under strict confidentiality agreements

California Privacy Rights (CCPA)

As a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

Right to Know: You may request information about what personal data we have collected about you
Right to Delete: You may request that we delete your personal information, subject to certain exceptions
Right to Opt-Out: You may opt out of the sale of your personal information (we do not sell personal information)
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights

To exercise your rights, contact us at [email protected] or call (510) 390-2388.

Fair Lending Commitment

      Loans by Zain | Powered by Tam Funding is committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or because all or part of your income comes from any public assistance program. All clients are entitled to fair, equal, and respectful service.
    

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

We encourage you to avoid sending sensitive financial information (such as Social Security numbers or bank account numbers) via email or web forms.

Cookies & Tracking

Our website may use basic cookies to improve your browsing experience. We do not use tracking cookies for advertising purposes. You may disable cookies in your browser settings without affecting your ability to use our site.

Third-Party Links

Our website may contain links to third-party sites such as the NMLS Consumer Access registry. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our website after any changes constitutes your acceptance of the revised policy.

Contact Us

If you have questions or concerns about this Privacy Policy or how your information is handled, please contact us:

Zain Elias · NMLS #450401 · CA BRE #02103114
📞 (510) 390-2388
✉️ [email protected]
🌐 loansbyzain.com