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(Amended as of December 31, 2019)
CALIFORNIA CONSUMER PRIVACY RIGHTS (CCPA)
California law provides California residents the ability to request certain rights relating to their personal information. The two buttons below provide additional information on our privacy processes and ability to exercise certain requests.
We are an on-line consumer service that introduces persons such as yourself to certain of our business affiliates who have expressed a general willingness to review your information and determine if they are willing to provide you with the services or products that prompted you to visit our Site. When you visit our Site, you will be requested to complete provide certain information that our business affiliates request in order to perform a preliminary analysis of your qualifications to receive the service or products. Based upon your consent, as evidenced by your registering with us on this Site (i.e., your submission of the requested information on the application), we will forward the information that you provided to certain of our business affiliates.
In addition, from time to time, we or our business affiliates may provide you the additional service (the "Premium Service") of sending you e-mail you or otherwise corresponding with you to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest. There are no fees for Premium Service, and you are under no obligation to accept any service or product with any of our business affiliates offered under the Premium Service.
The information that we collect is generally limited to personal information about you that our business affiliates consider necessary for performing a preliminary evaluation of your qualifications. To the extent that you can order products, enter contests, express an opinion, or subscribe to a service(s), the type of personally identifiable information that may be collected may include: name; address; e-mail address; telephone number; fax number; credit card information; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like. To the extent that you are requested and you do submit information about other people, such information will be limited recipient's name, address, e-mail address, and telephone number.
We also collect user information that can help us optimize and enhance your experience on our Site; as well as provide you with an efficient, safe, smooth, and customized experience. For example, if you came to this Site from an online banner ad, pop-up or other advertisement, an anonymous identification number may be passed to our Site. In some cases, we may place a cookie in your browser. The aforementioned information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns. We also automatically track certain information with respect to your behavior on the Site through the forgoing cookie or identification number. This non personally identifiable information may include the Internet address or URL that you just came from and which URL you go to next; your computer browser information; and your IP address. We use this non personally identifiable information in conjunction with some of the information that you provided to us to do internal research on our users' demographics and behavior; and to better understand how to best serve other users of this Site. Third parties may also set cookies on our sites to determine proper site usage and click count.
We also utilize Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including but not limited to the number of visitors to our site, operating systems and browser type. Unlike cookies, Web Logs are maintained only on our servers and do not store or place anything on the user's computer.
We collect the information that you submit and which our business affiliates consider necessary for performing a preliminary evaluation of your qualifications for their products and services. Prior to sending your information to our business affiliates, we attempt to validate it. For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information submitted to verify that the information inputted has a high probability of being valid information.
Once you have registered with us, you are automatically enrolled to receive our Premium Service. We use the information you provided, along with other information described below, to create a general user profile. This profile can be created by combining your information with other sources of information such as information obtained from public databases, or from your browsing habits surrounding your visit to this Site.
We may use personal information to provide the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Advertisers may collect data about your online browsing activity and use it to show you targeted ads (a process known as "behavioral advertising”).
You can prevent companies from showing you targeted ads by submitting opt-outs to those service providers.
Opting-out will only prevent targeted ads so you may continue to see generic (non-targeted ads) from these companies after you opt-out.
Certain sensitive information such as credit card numbers or other information such as social security numbers and drivers licenses ("Financial Information") collected on the site and associated data is encrypted and protected with SSL encryption software from the time it is captured by our application to the time it is transmitted to our servers. For more information on the encryption and protection of your information, please see How We Protect Your Privacy.
We protect your privacy in a number of ways. As an initial matter, any Financial Information transmitted to our servers via a secure server is encrypted using SSL technology. SSL is a protocol that transmits your communications over the Internet in an encrypted form. The protocol ensures that the information is sent, unchanged, only to the server you intended to send it to.
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can mail us at the address indicated below in the Contact Us section.
If you want to change the information that you submitted, please do so by making another request through our Site. We will not be able to change information that is forwarded on to our business affiliates. Please contact the business affiliates directly to change any of your information.
If you want to request to be removed from further communication with this Site, including our Premium Services, please Opt-out by clicking on this link to our Opt-out procedure. We will place your e-mail address on a suppression file associated with this Site. Persons whose names appear on our suppression file, will have their e-mail addresses checked against all correspondence to be sent by us. Where there is a match, the planned email correspondence will be withheld, and such person will receive no further email correspondence from us. Your e-mail address will be placed on the suppression list associated with this Site within ten business (10) days of your request. Once you have opted out, we will no longer forward you email from this site but we are not responsible or in control of the business practices of our business affiliates who have been forwarded your information.
Individual customers who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address:
This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.
This site is operated by The Wisdom Companies, LLC. a California Limited Liability Company with its corporate headquarters in El Segundo, California ("Wisdom"). Wisdom operates personal finance websites designed to help users to get in touch with licensed mortgage brokers, licensed mortgage lenders, banks and other providers of financial services (collectively, “service providers”).
Consumers should rely on their own judgment in deciding which available loan product best suits their needs and financial means. Consumers are not charged a fee to use Wisdom services and are under no obligation to use Wisdom to commence the financing process and Wisdom does not guarantee that completing a loan quote request will result in your receiving a loan from a service providers. Wisdom receives its compensation from the service providers for the goods, facilities and services actually provided by Wisdom.
Wisdom does not endorse, warrant or guarantee service or products of any service provider and does not guarantee and makes no representation regarding any rates, points and loan programs offered or advertised by service providers. All information is subject to change without notice. Wisdom shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained by consumers from our service providers, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.
The loan quote request a consumer submits is NOT an application for credit. Rather, it is a request for a loan quotation.
The Wisdom Companies, LLC currently holds the following state licenses:
In order to provide our services, some states may require Wisdom to be licensed as a mortgage broker. Please note that while certain states require at minimum one individual to be licensed as a mortgage loan originator, we neither originate loans nor employ loan originators.
Our NMLS ID Number is 1863
Alabama Mortgage Broker's License Number 22099
Mortgage Broker's License Number MB-0908386;
Branch License No. MBBR-0112004
FINANCE LENDER LICENSE 603D002
CALIFORNIA HOLDEN ACT - FAIR LENDING NOTICE
THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) ACT OF 1977 -- FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: (i) TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OF GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS; OR (ii) RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHICAL AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO-FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO-FOUR UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE DEPARTMENT OF REAL ESTATE 2201 BROADWAY P.O. BOX 187000 SACRAMENTO, CA 95808-7000
The Wisdom Companies, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.
Connecticut Mortgage Broker License No. MB-1863
Mortgage Loan Broker License Number 20503
Indiana-SOS Loan Broker License No. 1863
Mortgage Broker License Number 2015-0091
Loan Broker License Number: 1863
Per Maine law, we are required to make the following disclosures. Do not sign a loan agreement before you read it. You are entitled to a copy of this agreement. We maintain records of your inquiry and advise you to print out a copy of this agreement for your own purposes.
Written Agreement or Contract
Wisdom does not act as your lender or broker. Wisdom forwards your information to our participating Mortgage Originators who then contact you directly with their offers. Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Additionally, Wisdom cannot guarantee the lowest price or best terms or rates available on the market. Our fees are flat and are collected from our partners, the amount from which is not dependent upon whether or not a loan is closed. This agreement remains in force only for as long as you use the services offered by Wisdom. Should you discontinue this relationship, you will not incur any cost or penalty.
Escrowing of Consumer Funds
Wisdom does not collect fees or any money from the consumer, thus, no escrow account is required.
Consumer Protection Bond
A surety bond in the amount of $25,000 is on file with the Office of Consumer Credit Regulation in the State of Maine. This bond acts as consumer protection for any person or persons who may have a cause of action against a loan broker. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.
Money Broker License Number MB102855
Louisiana Residential Mortgage Lending License
The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, consult with an attorney before you sign a loan contract.
Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.804334.000
Mortgage Broker License Number MB010611
Mortgage Broker License Number MC-5945
Mortgage Broker License Number 2738
The Wisdom Companies, LLC has received Mortgage Broker License exemptions in the following states:
The Wisdom Companies, LLC
909 N. Pacific Coast Highway
El Segundo, CA 90245