Privacy Policy

This policy covers sinocruzmortgage.com, operated by Joshua Sinocruz, Mortgage Loan Originator (NMLS #1868298), of West Capital Lending, Inc. (NMLS #1566096). Mortgage applications you submit through a lender portal linked from this site are also governed by that lender’s own privacy notice.

What I collect

Information you give me

The Find My Loan questionnaire asks for some or all of the following, depending on the path you take:

• Your name, email address, and phone number
• What you’re trying to do (purchase, refinance, HELOC, DSCR, bank-statement)
• Property address or state, and how the property is occupied
• A self-reported credit range — never a credit pull
• Estimated property value, loan balance or down payment, and annual income
• Your timeline and intended use of funds

The contact form and any email or text you send me are collected the same way.

How the questionnaire saves your answers

Please read this part. The questionnaire saves your answers as you move through it — including your name, email, and phone once you’ve entered them — rather than only at the end. If you start it and leave partway through, the answers you already completed have been received and I may follow up about them. If you’d rather that not happen, ask me to delete them using the contact details below and I will.

If you select a credit range below 620, the questionnaire may ask for your property’s approximate value and what you owe on it to check whether a specific low‑loan‑to‑value program could fit. If it doesn’t fit — or you’re buying a home — the questionnaire stops and shows you a different path instead, and in that case nothing is transmitted — no record is created. If it does fit, the questionnaire continues and your answers are handled as described above.

Information collected automatically

• Standard server logs: IP address, browser and device type, pages visited, and referring URL.
• Advertising and analytics identifiers set by the tools listed below, including the click identifiers appended to links in my ads.

How I use it

• To prepare loan options for you and to respond to your inquiry
• To contact you by phone, email, or text about your request. By giving me your phone number you agree I may call or text you about your inquiry, including with an autodialer. Consent isn’t a condition of any purchase, message and data rates may apply, and you can stop texts any time by replying STOP.
• To measure which ads and pages actually produce inquiries
• To meet legal, licensing, and recordkeeping obligations

Who I share it with

I do not sell your personal information, and I don’t pass your contact details to other lenders or to lead-buying networks. I share it only with the services that run this business:

• Follow Up Boss — the CRM where your inquiry is stored and worked.
• GoHighLevel — messaging and follow-up automation connected to that CRM.
• Meta (Facebook/Instagram)— the Meta Pixel on this site, plus server-side conversion events. Contact details sent server-side are hashed before transmission. This is used to measure and improve ad performance, and it may count as “sharing” for cross-context behavioral advertising under California law — see your choices below.
• Google — Maps Platform powers the address autocomplete field, and Google Analytics measures site traffic if enabled.
• Vercel — hosting and server logs.
• West Capital Lending, Inc. and its lending partners, when you ask me to pursue a loan.
• Regulators, auditors, or law enforcement where required by law.

Your choices and rights

Wherever you live, you can ask me to show you what I hold about you, correct it, or delete it — just email jsinocruz@westcapitallending.com or call (949) 779-5804.

California residents. Under the CCPA/CPRA you have the right to know what personal information is collected and how it’s used and shared, to request deletion or correction, to opt out of the sharing of your information for cross-context behavioral advertising, and not to be discriminated against for exercising any of these rights. To opt out of ad-related sharing, email me at the address above with “Do Not Share My Personal Information” in the subject line. You can also limit ad tracking in your browser settings and through Meta’s ad preferences.

Financial privacy. Information you provide in connection with a mortgage inquiry is also protected under the Gramm-Leach-Bliley Act, and West Capital Lending, Inc. maintains a separate GLBA privacy notice that applies once you begin an application.

Cookies

This site uses cookies and similar technologies for the advertising and analytics purposes described above. Most browsers let you refuse or delete cookies; the site still works if you do, though the questionnaire may not remember your progress.

Security and retention

Traffic to this site is encrypted in transit. I keep inquiry records for as long as needed to work with you and to satisfy lending recordkeeping requirements, then delete them. No method of transmission or storage is perfectly secure, so I can’t guarantee absolute security.

Children

This site isn’t directed to anyone under 18, and I don’t knowingly collect information from children.

Changes

If this policy changes, the updated version will be posted here with a new date at the top.

Contact

Joshua Sinocruz, Mortgage Loan Originator — NMLS #1868298
West Capital Lending, Inc. — NMLS #1566096
24 Executive Park, Ste 250, Irvine, CA 92614
jsinocruz@westcapitallending.com · (949) 779-5804

See also the Terms of Use and licensing information.