PRIVACY POLICY

Last Updated: July 27, 2026
SunnyHill Financial may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other operational needs. We encourage visitors to review this policy periodically.
This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation with this policy. The Personal Information that we collect are used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy. The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at our Terms of Use, unless otherwise defined in this Privacy Policy.

Information Collection and Use

We collect only the information reasonably necessary to provide our services, respond to inquiries, process loan applications, and improve our website.
Depending on how you interact with our website, we may collect:
  • Name
  • Email address
  • Telephone number
  • Mailing address (when voluntarily provided)
  • Loan inquiry information
  • IP address
  • Browser type and version
  • Device information
  • Website usage information
  • Cookie identifiers
We strive to collect only the minimum amount of personal information necessary to provide our services.

Log Data

We want to inform you that whenever you visit our Service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser version, pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other statistics.

Cookies

Our website uses cookies and similar technologies to operate our website, remember user preferences, improve website functionality, analyze website traffic, and enhance the user experience.
Cookies may include:
  • Essential cookies required for website functionality.
  • Analytics cookies used to understand how visitors interact with our website.
  • Preference cookies that remember user settings.
Where required by applicable law, non-essential cookies are not placed on your device until you have provided your consent through our cookie preference tool.
You may change or withdraw your cookie preferences at any time through our website's cookie settings or your browser settings. Disabling certain cookies may affect portions of the website.

Analytics

We may use third-party analytics providers, including Google Analytics or similar technologies, to help us understand how visitors use our website. These services may collect information such as:
  • IP address
  • Browser type
  • Device information
  • Pages visited
  • Time spent on pages
  • Referring websites
This information is used solely to improve the performance and usability of our website. Where required by law, analytics technologies are not activated until visitor consent has been obtained.

Third-Party Service Providers

We may use carefully selected third-party service providers to operate our business and website. These providers may assist with:
  • Website hosting
  • Cloud storage
  • Email communications
  • Customer relationship management (CRM)
  • Electronic signature services
  • Website analytics
  • Fraud prevention
  • Loan processing
These providers are contractually obligated to protect your information and may use it only for the services they perform on our behalf.

How We Use Your Information

We may use your information to:
  • Respond to your inquiries.
  • Process mortgage and loan requests.
  • Verify your identity.
  • Communicate regarding your application or account.
  • Improve our website and services.
  • Maintain website security.
  • Comply with applicable legal and regulatory requirements.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable legal obligations, resolve disputes, enforce agreements, and satisfy regulatory recordkeeping requirements. When information is no longer required, we securely delete or de-identify it where appropriate.

Links to Other Sites

Our Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites, visit. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

California Privacy Rights

California residents may have certain privacy rights under applicable California law, including the right to know what categories of personal information we collect, request correction of inaccurate personal information, request deletion of certain personal information, and exercise other rights provided by law, subject to applicable exemptions.

As a financial institution, certain personal information collected in connection with providing financial products and services may be exempt from portions of the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), because it is governed by the Gramm-Leach-Bliley Act (GLBA).

California residents may submit privacy requests using the contact information provided at the end of this Privacy Policy.

Children’s Privacy

Our website is not directed toward children under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that personal information has been collected from a child under 16 without appropriate authorization, we will promptly delete such information.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

TCPA Consent & Privacy Disclaimer

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by SunnyHill Financial, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached.

You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system.

Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative of SunnyHill Financial calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to SunnyHill Financial. You agree to promptly alert SunnyHill Financial whenever you stop using a particular telephone number.

Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that SunnyHill Financial may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. SunnyHill Financial may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

Your consent here also serves as your express written consent to your past receipt of electronic communications from us.
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You represent and warrant that:
  • You are at least 18 years old
  • You live in the United States
  • You have not registered on a national or statewide Do Not Call list
  • You are the account holder for the email addresses and phone numbers you provided, or you have authorization from the account holder to give this consent
  • The email addresses and phone numbers you provided are accurate, and you will let us know if you release them to another person or individual
  • Our mobile service is available only in certain states. Certain mobile features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.

Your consent to receive automated calls or text messages is not required as a condition of obtaining any loan, financial product, or service from SunnyHill Financial. You may revoke your consent to receive marketing communications at any time using the methods described in those communications or by contacting us directly.

Healthcare Declaration

https://www.cigna.com/legal/compliance/machine-readable-files
This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Privacy Questions

If you have questions regarding this Privacy Policy, wish to exercise any applicable privacy rights, or would like additional information regarding our privacy practices, please contact us using the information below.

Contact Us

SunnyHill Financial does not sell, rent, or share personal information with third parties for their own marketing or promotional purposes. We also do not sell or share personal information for cross-context behavioral advertising. Personal information is shared only with service providers and business partners as necessary to provide requested services, comply with legal obligations, or as otherwise described in this Privacy Policy.
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If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us or please write us by mail here:
600 California Street, Suite 12-032
San Francisco, California, 94108