Public Privacy | LO ASSISTANT

This Privacy Policy explains how Frank D'Asero ("we", "us", or "our") collects, uses, and protects your personal information when you interact with our website, mobile application, and SMS messaging services. By providing your information, you consent to the practices described in this policy.

Information We Collect

Contact information: name, email address, phone number, and mailing address.
Financial information: income, assets, debts, credit score, employment details, and loan/property data you provide on our application forms.
Identification: driver's license information and Social Security Number (when you choose to provide it).
Lead source data: when you submit your information on a third-party lead-generation website (such as a mortgage comparison or lead aggregator platform), that platform may share your submitted information with us, along with a proof-of-consent token (such as a Journaya token) confirming that you agreed to be contacted by lending partners.
Usage data: pages visited, device type, and IP address collected automatically through cookies and similar technologies.

SMS Text Messaging

With your prior express written consent, we may send you SMS text messages to the mobile number you provided. Message types include loan offers, pre-approval updates, appointment reminders, document requests, and follow-up communications related to your mortgage inquiry.

Message frequency varies based on your engagement and loan status.
Standard message and data rates from your mobile carrier may apply.
You can opt out of SMS messages at any time by replying STOP to any message. You can reply HELP for assistance.
Opting out of SMS does not affect any other communications you have authorized.

How We Obtain Your Consent

Lead aggregator websites: When you request mortgage quotes on a third-party lead platform, you provide consent on that platform to be contacted by lending partners. The platform transmits your information along with a Journaya (or similar) consent token that serves as proof of your opt-in. We rely on this token as verification of your prior express consent.
Our website forms: When you complete our online application or rate tools, you check an explicit, unchecked-by-default consent box confirming you agree to receive SMS communications from us.
QR code links: Scanning one of our QR codes directs you to our application form, where you provide consent as described above.

How We Use Your Information

To process your mortgage application, generate loan offers, and communicate with you about your loan.
To match you with appropriate lending partners and loan programs.
To send you SMS, email, and phone communications regarding your inquiry.
To comply with legal, regulatory, and licensing requirements.

How We Share Your Information

We may share your information with our lending partners, credit reporting agencies, title and escrow companies, and other service providers involved in processing your loan. We do not sell your personal information to unaffiliated third parties for their independent marketing purposes.

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal and regulatory recordkeeping requirements applicable to licensed mortgage professionals.

Your Rights

You may request access to, correction of, or deletion of your personal information, and you may opt out of SMS communications at any time by replying STOP. To exercise other rights, contact us using the details below.

Contact Us

Frank D'Asero
24 Executive Park Suite 250, Irvine, CA 92614
Phone: 9493314498