Privacy Policy
Last Updated: February 2026
Thank you for choosing Optimal lending solutions non-qualified mortgage (non-QM) services. This Privacy Policy outlines how we collect, use, disclose, and protect your information in connection with our non-QM business. By using our services, you agree to the terms outlined in this policy.
This Privacy Policy describes how we use, disclose, and protect the personal information collected:
through our website, www.optimallendingsolutions.com, and any other websites or mobile apps where this Privacy Policy is posted or linked (collectively, the “Digital Properties”) and any services available through the Digital Properties;
in connection with the delivery of our products and services to our customers;
in connection with our business development and marketing activities; and
through our other offline and business interactions.
SALE OF PERSONAL INFORMATION
Optimal lending solutions does not sell Personal Information collected in any Context under this Privacy Policy
Provide Services
We use your Personal Information to provide you with our Services, including creating and activating your account, facilitate and manage financing, process payments, monitor the Services, and service your accounts. We may use your Personal Information to respond to your inquiries, calculate rate estimates, and otherwise provide more information about our Services.
Information We Collect:
Our Use of Your Personal Information
Optimal lending solutions uses the Personal Information we collect to provide our Services and operate our Site.
1.1. Personal Information:
We may collect personal information such as your name, contact details, social security number, employment information, and financial data during the mortgage application process.
1.2. Financial Information:
To assess your eligibility for non-QM products, we collect and process financial information, including income, assets, debts, and credit history.
1.3. Third-Party Information:
In some cases, we may obtain information from third parties, such as credit bureaus, employers, and financial institutions, to verify the accuracy of the information provided.
1.4. SMS Policy and Procedure
Use Case Description for Twilio SMS Compliance (Optimal lending solutions)
Optimal lending solutions is a commercial real estate marketing platform that connects investors and property owners with licensed third-party lenders offering DSCR (Debt Service Coverage Ratio) and other real estate loan products.
We do not sell any products or services and do not originate loans. Our role is purely to provide informational access and introduce interested users to financing options.
All recipients of our SMS messages:
explicitly opt-in via our website, social media, or lead capture forms;
receive compliant, non-promotional notifications such as loan program highlights, referral introductions, and relevant updates;
are able to opt-out at any time by replying STOP.
We maintain full compliance with TCPA, CTIA, and carrier guidelines, and we never send unsolicited or high-risk content.
How We Use Your Information:
2.1. Loan Processing:
We use the information you provide to process and evaluate your non-QM mortgage application, including verification of financial details.
2.2. Communication:
We may use your contact information to communicate with you regarding your application status, requests for additional information, and other matters related to the non-QM mortgage process.
2.3. Legal Compliance:
We may disclose your information in response to legal requests, regulatory requirements, or as required by applicable laws and regulations.
Information Sharing:
3.1. Service Providers:
We may share your information with third-party service providers, such as credit bureaus, appraisers, and title companies, to facilitate the mortgage application process.
3.2. Affiliates and Partners:
With your consent, we may share information with our affiliates and business partners to offer you additional financial products and services.
Security:
4.1. Data Security:
We employ industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, and destruction. Optimal lending solutions takes reasonable steps to protect the Personal Information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
Your Choices:
5.1. Access and Corrections:
You have the right to access and correct your personal information. You can update your information by contacting us directly.
5.2. Opt-Out:
You can opt-out of receiving promotional communications by following the instructions provided in the communication or by contacting us directly.
Changes to this Privacy Policy:
6.1. Updates:
We may update this Privacy Policy to reflect changes in our practices or for legal reasons. We will notify you of any material changes through appropriate channels.
Information Sharing:
7.1. Third-Party Service Providers:
We may share your information with third-party service providers who assist us in providing, maintaining, and improving the Service. These providers are bound by confidentiality and security obligations.
7.2. Legal Compliance:
We may disclose your information in response to legal requests, such as court orders, subpoenas, or law enforcement inquiries, or as required by applicable laws and regulations.
Types of Tracking Technologies
Functional, necessary, and performance technologies provide functionality to the Site and help us deliver the Services. For example, to help us route traffic between servers, retain user preferences, allow account log ins, and understand how the Site is performing.
Analytics and research technologies allow us to understand, improve, and research features and content on the Site, including how users navigate the Site and the content and products that users view most frequently.
Location technologies are used to locate you, including using your IP address, for purposes such as verifying your location, delivering, or restricting content based on your location, and to provide you with location-relevant content.
Security technologies allow us to enable security features and detect activity that might violate our rules and Terms of Service, such as unauthorized access or activity.
Marketing and advertising technologies display advertisements based on your visits to our Site on third-party sites for National Loan Provider products and services in which you might be interested.
Third Parties
We may engage third parties to track and analyze data about our Site. We use such data to help us administer and improve the quality of our Site and to analyze usage data. These third parties may combine the information we provide about you with other information they have collected. This Privacy Policy does not cover such third parties use of the data. These third parties may include web analytics services to help us understand and analyze how you interact with the Sites and to serve ads on our behalf across the Internet. We use automated devices and applications to evaluate our Site’s usage and assist us, when applicable, in determining where to improve our Site.
Business Transfers
In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Information may be part of the transferred assets.
Cookie Policy
In operating the Services, we, and our service providers, may use cookies and other tracking technologies to gather information about your use of our Site.
Changes to Company’s Privacy Policy
Optimal lending solutions reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Information. This Privacy Policy was last updated on the date indicated at the top of the Privacy Policy. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.
MINORS
No services on the Optimal lending solutions Platform are directed to individuals under the age of eighteen (18), and we do not knowingly collect Personal Information from individuals under eighteen (18).
Contact Us:
If you have any questions or concerns about this Privacy Policy, please contact us at info@optimallendingsolutions.com.
We are committed to protecting your privacy and ensuring the security of your information throughout the mortgage application process.
By using our electronic storage service, you agree to the terms outlined in this Privacy Policy. Please read this policy carefully and check back periodically for updates.
Thank you for trusting us with your electronic storage needs.
*Bridge loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas.
*Rental loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change. Non-owner-occupied rental properties only. Cash-out LTV is based solely on appraised value, not cost basis. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas.
California Privacy Policy
Last Updated: February 25, 2026
This California Privacy Notice (this “Notice”) supplements the Privacy Policy and applies solely to California residents.
The California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act and its implementing regulations (collectively, the “CCPA”) provides California residents with certain rights in relation to their personal information (as defined in and subject to the CCPA). Pursuant to the CCPA, this Notice provides additional details regarding our collection, use, and disclosure of California residents` personal information that is subject to the CCPA. This Notice also describes the rights available to you as a California resident in relation to certain personal information we maintain and how you can exercise those rights.
Capitalized terms used but not defined in this Notice have the definitions ascribed to them in the Privacy Policy.
NOTE: Optimal lending solutions is a financial institution subject to the Gramm-Leach-Bliley Act (“GLBA”). The CCPA and this Notice do not apply to personal information we collect, maintain, use, or disclose to the extent such information is governed by or subject to the GLBA and related regulations. For example, personal information relating to consumers who use the Services to initiate or complete the process of requesting or applying for financial products or services, including loan requests or inquiries, is subject to the GLBA or the California Financial Information Privacy Act, as applicable, and exempt from the CCPA. This means the CCPA does not require Optimal lending solutions to honor access, deletion, correction, or opt-out requests relating to personal information that is subject to the GLBA and as a result exempt from the CCPA. For additional information relating to your choices with respect to this information, see our Financial Privacy Disclosure.
The CCPA and this Notice apply only to California residents whose interactions with us are limited to:
Visiting the Digital Properties;
Signing up for our email alerts;
Commenting on or contributing to our blogs; and/or
Establishing an account that does not include a financial product or service subject to the GLBA.
NOTICE AT COLLECTION
We collect the categories of personal information subject to the CCPA listed in the table below.
Category of Personal Information CollectedSold or SharedIdentifiers, including name, email address, IP address, account name, and other identifiers.YesPersonal information categories listed in the California Customer Records statute, including name, address, and telephone number.NoProtected classification characteristics under California law, including marital and veteran status.NoInternet or other electronic network activity information, including information regarding interactions with the Digital Properties and advertisements.YesGeolocation data, such as IP location.NoAudio, electronic, visual, or similar information, including phone call recordings.NoInferences, meaning inferences drawn from any of the information in the above-listed categories of information.NoSensitive personal information, including precise geolocation and account log-in information in combination with passwords.Yes
As further described in the “How We Use Personal Information” section of the Privacy Policy, we generally collect and use the above-listed categories of personal information to provide and manage the Services for legitimate business or commercial purposes.
As noted in the table above, we “sell” or “share” (as these terms are defined in the CCPA) certain categories of personal information, and you may exercise your right to opt out of such disclosures by clicking the “Your Privacy Choices” link in the footer of our website (www.optimallendingsolutions.com) and following the instructions.
We retain each category of personal information we collect for at least as long as necessary to fulfill the purposes described in the Privacy Policy, including to satisfy legal or reporting requirements.
For additional information regarding our information-handling practices and your legal rights, continue reading this Notice.
PERSONAL INFORMATION COLLECTION AND DISCLOSURE
The following chart details which categories of personal information subject to the CCPA we have collected from and about California residents in the past twelve (12) months, the source(s) of each category of information, the categories of third parties to whom we have disclosed each category of information for a business purpose, and the categories of third parties to or with whom we have “sold” or “shared” each category of information (as such terms are defined in the CCPA) (where applicable). Note that the first column in the chart includes by category the types of information described in the “Personal Information We Collect” section of thePrivacy Policy, as required by the CCPA.
Category of Personal InformationCategories of SourcesDisclosures of Personal Information for a Business PurposeSale or Sharing of Personal InformationIdentifiers, including name, email address, IP address, and other identifiers.
Directly from individuals
Through automated means
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Our Analytics Providers
We have sold or shared this category of information in the past 12 months to or with the following categories of third parties:
Our Analytics Providers
Our Marketing and Advertising Partners (including social media platforms)
Personal information categories listed in the California Customer Records statute, including name, address, and telephone number.Directly from individuals
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Protected classification characteristics under California law, including marital and veteran status.Directly from individuals
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Internet or other electronic network activity information, including information regarding interactions with the Digital Properties and advertisements.
Directly from individuals
Through automated means
Third-party sources
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Our Analytics Providers
We have sold or shared this category of information in the past 12 months to or with the following categories of third parties:
Our Analytics Providers
Our Marketing and Advertising Partners (including social media platforms)
Geolocation data, such as IP location.Through automated means
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Our Analytics Providers
We have sold or shared this category of information in the past 12 months to or with the following categories of third parties:
Our Analytics Providers
Our Marketing and Advertising Partners (including social media platforms)
Audio, electronic, visual, or similar information, including phone call recordings.Directly from individuals
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Inferences, meaning inferences drawn from any of the information in the above-listed categories of information.
Through automated means
Third-party sources
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
Sensitive personal information, including precise geolocation and account log-in information in combination with passwords.
Directly from individuals
Through automated means
We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Affiliates and Subsidiaries
Our Service Providers
PURPOSES FOR COLLECTING PERSONAL INFORMATION
As described in more detail in the “How We Use Personal Information” section of the Privacy Policy, we collect personal information to provide and manage the Services and achieve a variety of legitimate business or commercial purposes.
DISCLOSURES OF PERSONAL INFORMATION
As detailed in the “How We Disclose Personal Information” section of the Privacy Policy, we disclose personal information to fulfill specific processing purposes. We may also disclose certain categories of personal information to competent governmental and public authorities and other third parties as necessary or appropriate, including when we have a legal or contractual obligation to disclose the information.
SALE AND SHARING OF PERSONAL INFORMATION
We “sell” and “share” (as such terms are defined in the CCPA) certain categories of personal information to and with third parties. Additionally, as detailed in the chart above, we have “sold” and “shared” certain categories of personal information in the past twelve (12) months for analytics and advertising purposes. Refer to the chart above for additional details.
We do not “sell” or “share” the personal information of minors we know to be under the age of 16.
USE AND DISCLOSURE OF SENSITIVE PERSONAL INFORMATION
As detailed in the chart above, we collect certain “sensitive personal information” (as defined in the CCPA). However, we do not use or disclose sensitive personal information for any purpose outside of the limited permissible purposes set forth in the regulations implementing the CCPA. These purposes include providing the Services and preventing, detecting, and investigating security incidents.
YOUR LEGAL RIGHTS
As to personal information we collect that is subject to the CCPA, you have the right to request that we:
Disclose to you the following information covering the twelve (12) months preceding your request:
the categories of personal information we have collected about you and the categories of sources from which we collected such information;
the specific pieces of personal information we have collected about you;
the business or commercial purposes for collecting, selling, or sharing your personal information;
the categories of third parties to whom we disclosed such personal information; and
If we sold, shared, or disclosed your personal information for a business purpose, two separate lists disclosing:
sales and shares, identifying the personal information categories that each category of recipient received; and
disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Delete personal information that we have collected from you, subject to certain exceptions.
Correct inaccurate personal information that we maintain about you, taking into account the nature of the personal information and the purposes of the processing.
We will not discriminate or retaliate against you if you decide to exercise your rights under the CCPA.
If you are interested in exercising any of the above-listed rights, you can do so by sending an email to info@optimallendingsolutions.com with the subject line “California Consumer Privacy Act Request” or by calling us at 1-754-704-7410.
To protect consumer privacy, we will require the matching of up to three pieces of personal information provided with your request with information we maintain to verify that it is you making the request. Where applicable, we will use the requested information for verification purposes only. Please note that we may decline a request where we are unable to verify your identity and confirm the personal information, we maintain relates to you. Additionally, we reserve the right to honor requests to access, correct, or delete personal information only to the extent required by applicable law.
AUTHORIZED AGENTS
You may authorize someone to submit a privacy rights request on your behalf (an “authorized agent”). An authorized agent will need to demonstrate that you have authorized them to act on your behalf, unless you have provided the agent with power of attorney pursuant to applicable probate law. Depending on the evidence provided, we may contact you to verify your identity with us or request confirmation from you that the agent is authorized to submit the request on your behalf.
EXERCISING YOUR SALE AND SHARING OPT-OUT RIGHTS
As detailed in the chart above, we “sell” and “share” certain categories of personal information to and with third parties. If you are 18 years of age or older, in addition to the rights described above, you have the right to direct us to not “sell” or “share” your personal information at any time. To exercise your opt-out right, you may submit a request to us by clicking the “Your Privacy Choices” link in the footer of our website (www.optimallendingsolutions.com ) and following the instructions.
CHANGES TO THIS NOTICE
We may update this Notice from time to time to reflect changes in our information-handling and privacy practices and/or changes in applicable law. The “Last Updated” date at the top of this page indicates when this Notice was last revised. If we make changes, we will revise the date at the top of this page. We encourage you to review this Notice periodically to remain informed about our information handling and privacy practices. By visiting or using our Digital Properties, you agree that any changes to this Notice shall apply to any personal information we may maintain about you, whether collected before or after such changes.
HOW TO CONTACT US
If you have questions about this Notice or our information-handling and privacy practices, contact us using the following contact details:
Email:info@optimallendingsolutions.com
Phone: 754-704-7410
Mail: Compliance Officer
Optimal Lending Solutions, Corp
1022 SW 25th ave
Boynton Beach, FL 33426