Privacy Policy

1. Who We Are

MDH Lending Source ("MDH", "we", "us", "our") is a private lending company licensed in the State of California and operating nationwide. Our contact information:

• Licenses: DRE #02161875 | NMLS #2277989 | Life #OA71943

2. Information We Collect

When you submit a pre-qualification application, mortgage protection request, or contact us, we may collect:

Personal Identifiers

• Full name, email address, and phone number
• Mailing address and property address
• Date of birth / age (for insurance products)

Financial Information

• Requested loan amount, property value, and down payment
• Self-reported credit score range
• Annual income and monthly debts (for primary home loans)
• Investment experience and deal history

Health Information (Mortgage Protection only)

• General health status and tobacco use — used solely to connect you with appropriate insurance coverage

3. How We Use Your Information

We use the information you provide exclusively to:

• Evaluate your pre-qualification and provide a preliminary term sheet
• Contact you by phone or email to discuss your lending options
• Match you with an appropriate mortgage protection specialist
• Improve our services and internal processes
• Comply with applicable federal and state lending regulations

We will never use your information for unsolicited marketing unrelated to your inquiry.

4. How We Share Your Information

We do not sell your personal information. We may share limited information with:

• Affiliated professionals: Licensed loan officers, underwriters, or title companies involved in processing your application
• Insurance partners: Licensed life/mortgage protection carriers (for mortgage protection inquiries only)
• Legal obligations: When required by law, court order, or regulatory authority
• Service providers: Technology vendors that help operate our website (under strict confidentiality agreements)

Any third party receiving your data is bound by confidentiality obligations and may not use it for purposes other than servicing your inquiry.

5. Data Storage & Security

Your information is stored securely on Cloudflare's globally distributed infrastructure with encryption in transit (TLS 1.3) and at rest. We implement industry-standard security measures including:

• Access controls limiting data to authorized personnel only
• Secure HTTPS connections for all data transmission
• Regular security reviews and monitoring
• Admin dashboard protected by secret authentication

6. Your Rights

Depending on your state of residence, you may have the right to:

• Access: Request a copy of the personal data we hold about you
• Correction: Ask us to correct inaccurate information
• Deletion: Request that we delete your data (subject to legal retention requirements)
• Opt-out: Opt out of marketing communications at any time
• Portability: Receive your data in a structured, machine-readable format

To exercise any of these rights, contact us at [email protected] or call (949) 969-8829.

7. Cookies & Tracking

Our website may use minimal, functional cookies to ensure proper operation. We do not use third-party advertising trackers or cross-site behavioral tracking cookies. Any analytics data collected is anonymized and used solely to improve site performance.

8. California Residents (CCPA)

Under the California Consumer Privacy Act (CCPA), California residents have additional rights including the right to know what personal information we collect, the right to delete it, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, email [email protected].

9. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will update the "Last Updated" date at the top of this page. Material changes will be communicated via prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

• Email: [email protected]
• Email: [email protected]
• Phone: (949) 969-8829

We will respond to all privacy inquiries within 10 business days.