Penny Lane Financial, LLC is a licensed insurance broker in Washington and Arizona state NPN #17702278.

Penny Lane Financial, LLC and Penny Lane Financial, LLC dba Penny Lane Reverse is a WA and AZ licensed Mortgage Broker NMLS #1905686, AZ NMLS #1034711.

 

Penny Lane Financial, LLC Privacy Policy

Penny Lane Financial, LLC ("we," "us," "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, address, phone number, email address, Social Security number, driver’s license number, employment information, income, and other financial details only with your permission to provide a service or product.

• Non-Personal Information: Browser type, device type only when delivering ads so we may know what devices are used to better the user experience.

How We Collect Information

We collect information through various methods, including:

• Directly from You: When you apply for a loan or insurance, fill out forms, or contact us directly.

• Automatically: Through cookies and other tracking technologies when you visit our website.

• From Third Parties: Such as credit bureaus, employers, or other financial institutions.

How We Use Your Information

We use your information to:

• Process your loan and insurance applications.

• Provide and improve our services.

• Communicate with you regarding your accounts and transactions.

• Comply with legal and regulatory requirements.

• Conduct internal analytics and reporting.

Sharing Your Information

We do not share your information with third parties other than to facilitate a loan, product, or service you have requested. Specifically, we may share your information with:

• Service Providers: Who perform services on our behalf, such as credit reporting agencies, payment processors, and data analytics providers.

• Affiliates: Within our corporate family for business purposes.

• Third Parties: Only when required by law or to protect our rights and property.

• Business Transfers: In the event of a merger, acquisition, or sale of assets.

Protecting Your Information

We implement a variety of security measures to protect your personal information, including:

• Encryption: To protect data transmitted online.

• Access Controls: To restrict access to your information to authorized personnel only.

• Regular Audits: To review our data collection and processing practices.

Your Choices

You have certain choices regarding your information:

• Opt-Out: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in our emails.

• Access and Correction: You can request access to or correction of your personal information by contacting us.

• Cookies: You can manage your cookie preferences through your browser settings.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new Privacy Policy on our website and updating the effective date.

Third-Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

Third-Party Links

We do not include or offer third-party products or services on our website.

Google

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. Google Advertising Principles.

We use Google AdSense Advertising on our website.

Google, as a third-party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

We have implemented the following:

We, along with third-party vendors such as Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out:

Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt-Out page or by using the Google Analytics Opt-Out Browser add-on.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices, we will take the following responsive action, should a data breach occur:

• Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

• Send information, respond to inquiries, and/or other requests or questions

• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:

• Not use false or misleading subjects or email addresses.

• Identify the message as an advertisement in some reasonable way.

• Include the physical address of our business or site headquarters.

• Monitor third-party email marketing services for compliance, if one is used.

• Honor opt-out/unsubscribe requests quickly.

• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at vip@pennylanefinancial.com, and we will promptly remove you from ALL correspondence.

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Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.

Penny Lane Financial 1804 W Union Ave Tacoma, WA 98405 United States vip@pennylanefinancial.com 253-327-1177

Last Edited on 06-06-2024