Privacy Policy

Effective Date: April 8, 2026

Total Quality Financial, Inc. DBA Total Quality Lending ("Total Quality Lending," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at totalqualitylending.com or use our services. By accessing our website or submitting information to us, you consent to the practices described in this policy.

Information We Collect

We collect personal information that you voluntarily provide to us when you inquire about our loan products, submit a pre-qualification form, or otherwise contact us. This information may include:

Identifiers and contact information: Name, email address, phone number, mailing address

Financial information: Income, assets, liabilities, credit history, debt service coverage ratio (DSCR), property details, investment portfolio information

Government-issued identifiers: Social Security number, tax identification number, driver's license number (collected only during the loan application process)

Entity information: LLC or corporate entity details, EIN, articles of organization (for business-purpose lending)

Property information: Subject property address, property type, estimated value, rental income projections

Automatically collected information: IP address, browser type, device information, pages visited, referring URL, and cookies or similar tracking technologies

How We Use Your Information

We use the personal information we collect for the following purposes:

Processing and evaluating loan applications and pre-qualifications. Communicating with you about your inquiry, application, or loan. Verifying your identity and preventing fraud. Complying with applicable federal, state, and local laws and regulations, including the Gramm-Leach-Bliley Act (GLBA). Improving our website, products, and services. Sending you relevant information about our loan programs and market updates (with your consent, where required). Conducting internal analytics and business planning.

Information Sharing and Disclosure

We do not sell your personal information. We may share your information with third parties only in the following circumstances:

Service providers: Companies that assist us with loan processing, underwriting, appraisals, title services, credit reporting, and technology infrastructure.

Regulatory and legal compliance: Federal and state regulators, law enforcement, or other government agencies as required by law or in response to legal process.

Business transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

With your consent: When you have given us explicit permission to share your information for a specific purpose.

Gramm-Leach-Bliley Act (GLBA) Compliance

As a financial institution, Total Quality Lending complies with the Gramm-Leach-Bliley Act and its implementing regulations. We maintain administrative, technical, and physical safeguards to protect your nonpublic personal information (NPI). We restrict access to NPI to employees and service providers who need it to perform their duties. We provide initial and annual privacy notices as required by Regulation P.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include encryption of data in transit and at rest, access controls, secure server infrastructure, and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your browsing experience, analyze website traffic, and understand how visitors interact with our site. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including: the right to access the personal information we hold about you, the right to request correction of inaccurate information, the right to request deletion of your personal information (subject to certain exceptions), the right to opt out of the sale of personal information (we do not sell personal information), and the right to opt out of marketing communications at any time.

California residents have additional rights under the California Consumer Privacy Act (CCPA). Please see our California CCPA Privacy Notice for more information.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted on this page with a revised effective date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us at:

Total Quality Financial, Inc. DBA Total Quality Lending, Irvine, CA. Email: info@totalqualitylending.com. Phone: (800) 304-1925.