Privacy Policy
Privacy Policy
Last Updated: 04/19//2026
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1. Introduction
Welcome to the website for Jorge Villanueva (https://Jorge-Villanueva.com) We are committed to protecting your privacy and maintaining the confidentiality and security of your personal information. This Privacy Policy describes the types of personal information we collect from visitors and users of our website located at https://Jorge-Villanueva.com (the āSiteā), how we use and share that information, and your choices regarding that information.
As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, as well as other applicable U.S. state and federal laws, including the California Consumer Privacy Act (āCCPAā) and related state privacy laws where applicable.
By using our Site, you acknowledge that you have read and understand this Privacy Policy.
2. Information We Collect
Personal Information: We may collect personal information that you voluntarily provide to us, such as:
Contact Information: Your name, email address, phone number, and mailing address. Financial Information: Information you provide when applying for a mortgage or other financial products, including income, employment details, credit history, and Social Security number (where necessary).
Transaction Information: Records of your inquiries, interactions, and transactions with us. Non-Personal Information: We may also collect non-personal information about your use of our Site, including:
Device and Usage Information: IP address, browser type, operating system, pages visited, and time spent on the Site.
Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance user experience, analyze website performance, and personalize content. For more details, see Section 7.
3. How We Use Your Information We use the personal information we collect for purposes including:
Providing Services: Processing mortgage applications, verifying your identity, and delivering requested products or services.
Communication: Responding to your inquiries, sending you relevant updates, and providing customer support.
Compliance and Legal Obligations: Complying with applicable laws, regulations, or legal processes, and maintaining records for regulatory, auditing, and compliance purposes.
Improvement and Personalization: Understanding how users interact with our Site, improving our offerings, and personalizing user experiences.
4. How We Share Your Information
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
We may share your personal information with:
Service Providers and Partners: Third-party vendors who assist with our business operations, such as loan processors, credit reporting agencies, analytics providers, and IT services, under contractual obligations that protect your information.
Affiliates: Our affiliates, only as permitted by law and consistent with the purposes described in this Privacy Policy.
Legal and Regulatory Entities: Government regulators, law enforcement, or other parties as required by law, legal process, or court order.
Business Transfers: In connection with a merger, sale, acquisition, or other change in ownership or control.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
We do not sell your personal information. We may share limited customer information for joint marketing or other permitted purposes in compliance with GLBA and other applicable laws. However, this does not include and expressly excludes text messaging originator opt-in data and consent.
5. Your Rights and Choices
Access, Correction, and Deletion:
You may request access to the personal information we hold about you, and you may request that we correct or update it if itās inaccurate.
You may request the deletion of certain personal information, subject to our obligation to retain information for legitimate business or legal reasons.
Opt-Out of Marketing Communications:
You may unsubscribe from marketing emails by following the instructions provided in those communications or by contacting us at the information in Section 12.
State-Specific Rights (Including California Residents):
If you are a California resident, you have the right to know what personal information we collect about you, request deletion of that information, and opt out of certain sharing arrangements. You also have the right not to be discriminated against for exercising these rights. To exercise these rights, please contact us as described in Section 12.
If we serve residents of other states with privacy laws (e.g., Colorado, Virginia, Connecticut, Utah), we will also honor applicable consumer rights requests as required by those statesā laws.
Do Not Track: Our Site does not currently respond to āDo Not Trackā signals.
6. Data Security and Retention
Security Measures: We use technical, administrative, and organizational safeguards to protect the confidentiality and security of your personal information. These measures may include encryption, secure data storage, restricted access controls, and regular security assessments.
Data Retention: We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable laws and regulations, and maintain appropriate records for regulatory, auditing, or compliance needs.
We retain personal information collected through this Site for a minimum of 3 years as required by applicable federal and state law, including RESPA (3 years), ECOA (25 months), and California mortgage lending regulations. Financial inquiry data is retained for 3 years. You may request deletion of data not subject to mandatory retention requirements.
7. Cookies and Other Tracking Technologies
We use cookies and similar technologies to improve user experience, analyze traffic, and personalize content. You can adjust your browser settings to block or alert you about cookies. However, disabling cookies may affect the functionality of our Site.
8. Childrenās Privacy
Our services are not intended for website visitors under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information about a child, please contact us, and we will take steps to delete such information.
9. External Links
Our Site may contain links to external websites. We are not responsible for the privacy practices or the content of these external sites. We encourage you to review the privacy policies of any external websites you visit.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we do, we will revise the āLast Updatedā date at the top of this page. We encourage you to review this policy periodically.
11. GLBA Privacy Notice
As a financial services provider, we may provide a separate GLBA Privacy Notice outlining how we collect, share, and protect your financial information. In the event of any conflict between this Privacy Policy and the GLBA Privacy Notice, the GLBA Privacy Notice will govern.
12. Equal Credit Opportunity Act ā Adverse Action Notice Disclosure
Jorge Villanueva, in its capacity as a licensed Mortgage Loan Originator (NMLS ID No. 1441098), complies fully with the Equal Credit Opportunity Act (ECOA), 15 U.S.C. Ā§ 1691 et seq., and its implementing regulation, Regulation B, 12 C.F.R. Part 1002.
Non-Discrimination Statement: We do not discriminate against any loan applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant's income derives from any public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Adverse Action Notice Rights: If your application for credit is denied, approved on terms other than those requested, or if we take any other adverse action with respect to your application, you have the right to receive a written statement of the specific reasons for the adverse action within 30 days of our receipt of your completed application, pursuant to ECOA and Regulation B.
An Adverse Action Notice will be provided to you within the timeframes required by law and will include:
* The specific reason(s) for the adverse action or a disclosure of your right to request the specific reason(s);
* The name and address of the federal agency that administers compliance with ECOA for our company;
* Notice of your right to obtain a free copy of your credit report from the consumer reporting agency that provided information used in the credit decision, if applicable;
* The name, address, and phone number of the consumer reporting agency, if a credit report was used.
Credit Score Disclosure: If a credit score was used in making a credit decision regarding your application, you will receive a Credit Score Disclosure Notice as required under the Fair Credit Reporting Act (FCRA), 15 U.S.C. Ā§ 1681 et seq., identifying the credit score used, the range of possible scores, the key factors that adversely affected your score, the date the score was created, and the name of the consumer reporting agency that provided the score.
AI-Assisted Underwriting Disclosure: If any automated underwriting system or AI-assisted tool was used in evaluating your application, you retain all rights under ECOA and Regulation B, including the right to a statement of specific reasons for any adverse action taken. Automated decisions do not override your legal rights under federal law.
To request your Adverse Action Notice or specific reasons for a credit decision: Contact: Jorge Villanueva NMLS ID: 1441098 Email: Jorge@Jorge-Villanueva.com Phone: (951) 531-3182 Address: [Your Address]
This disclosure is made pursuant to the Equal Credit Opportunity Act, 15 U.S.C. Ā§ 1691 et seq., Regulation B (12 C.F.R. Part 1002), and the Fair Credit Reporting Act, 15 U.S.C. Ā§ 1681 et seq.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Jorge Villanueva
Attn: Privacy Department
(951) 531-3182
14. Global Privacy Control (GPC) Notice
Jorge Villanueva recognizes and honors Global Privacy Control (GPC) signals transmitted by your browser or device as a valid opt-out of the sale and sharing of personal information under the California Privacy Rights Act (CPRA), California Civil Code Ā§ 1798.120. If your browser or device transmits a GPC signal, we will treat it as a request to opt out of the sale or sharing of your personal information and will process it accordingly. To enable GPC, visit globalprivacycontrol.org for compatible browser extensions and settings.
15. Artificial Intelligence & Automated Communications Disclosure
Jorge Villanueva uses artificial intelligence ("AI") tools and large language model ("LLM") technologies ā including but not limited to tools developed by Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) ā to assist with communications, respond to inquiries, and support client interactions on this Site and through related channels. You have the right to know the following: Some communications you receive through this Site, via SMS, email, or chat, may be generated or assisted by AI technology. AI-generated responses are reviewed periodically for accuracy but may contain errors, omissions, or outdated information. AI tools used by this Site may process the information you submit, including your name, contact details, financial information, and loan inquiry details, in order to generate responses. Your data submitted through AI-assisted forms or chat tools may be processed by third-party AI providers subject to their own privacy policies. We encourage you to review the privacy policies of Anthropic (anthropic.com), OpenAI (openai.com) and others listed. Nothing generated by any AI tool on this Site constitutes a loan commitment, pre-approval, financial advice, legal advice, or real estate advice. All AI-assisted communications are informational only. Your right to human interaction: You have the right to request that any communication be handled by a licensed human professional at any time. To make this request, contact us at Email Jorge@Jorge-Villanueva.com or Phone (951) 531-3182.
16. AI Training Data Transparency Disclosure (California AB 2013)
In compliance with California Assembly Bill 2013 (AB 2013), Jorge Villanueva provides the following disclosure regarding the use of artificial intelligence tools that have been trained on consumer data.
What AI tools we use: Jorge Villanueva uses AI-powered tools including but not limited to Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) to facilitate communications, respond to inquiries, assist with lead management, and support mortgage and real estate client interactions.
How consumer data is used in AI training: The AI tools we use may have been developed using training datasets that include consumer-generated content and data. Specifically, you should be aware of the following:
* Communications you have with AI-assisted tools on this Site, including chat messages, form submissions, and inquiry data, may be used to improve AI model performance by third-party AI providers subject to their own data governance policies.
* Jorge Villanueva does not independently train AI models. However, the third-party AI providers we use ā including Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) ā may process interaction data in accordance with their respective terms of service and privacy policies.
* Personal financial information, loan inquiry data, and real estate inquiry data submitted through this Site is treated as sensitive personal information and is not intentionally shared for AI training purposes beyond what is disclosed in the third-party providers' policies.
Your rights regarding AI-processed data:
* You have the right to request that your personal information not be used for AI training purposes. To make this request, contact us at Jorge@Jorge-Villanueva.com.
* You have the right to know what categories of your personal information have been shared with third-party AI providers.
* You have the right to request deletion of your personal information from our records, subject to mandatory legal retention requirements under RESPA, ECOA, and applicable California law.
Third-party AI provider policies: We encourage you to review the privacy and data governance policies of our AI tool providers directly:
* Anthropic: https://www.anthropic.com/privacy
* OpenAI: https://openai.com/privacy
* Please contact us for a full list of AI tool providers.Contact our Privacy Officer for AI-related concerns: Name: Jorge Villanueva Email: Jorge@Jorge-Villanueva.com Phone: (951) 531-3182 Mailing Address: [Your Address]This disclosure is made pursuant to California AB 2013 and the California Privacy Rights Act (CPRA), California Civil Code Ā§ 1798.100 et seq.