Introduction

Pacific Prosperity Financial ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our mortgage note brokering services.

By using our website or services, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We collect several types of information to provide and improve our services:

Personal Information You Provide

When you contact us, request a quote, or engage our services, we may collect:

• Contact Information: Name, email address, phone number, and mailing address
• Financial Information: Mortgage note details, property information, payment history, loan terms, and banking information necessary to evaluate and purchase notes
• Identification Information: Social Security Number, Tax ID, driver's license, or other identification required for due diligence and compliance
• Transaction Information: Details about mortgage notes you wish to sell or purchase
• Communication Records: Correspondence, emails, phone calls, and other communications with our team

Information Automatically Collected

When you visit our website, we automatically collect certain information about your device and browsing activity:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address

Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience and analyze website usage. You can control cookie preferences through your browser settings, though disabling cookies may limit certain website functionality.

How We Use Your Information

We use the information we collect for various business purposes, including:

• Service Delivery: Evaluating mortgage notes, preparing offers, conducting due diligence, and facilitating transactions
• Communication: Responding to inquiries, providing updates, sending transaction documents, and offering customer support
• Business Operations: Processing payments, maintaining records, managing accounts, and fulfilling legal and regulatory obligations
• Improvement and Analysis: Analyzing website usage, improving our services, developing new offerings, and enhancing user experience
• Marketing: Sending newsletters, market updates, and promotional materials (you may opt out at any time)
• Legal Compliance: Complying with applicable laws, regulations, legal processes, and government requests
• Protection: Detecting, preventing, and addressing fraud, security issues, and violations of our terms

How We Share Your Information

We do not sell, rent, or trade your personal information. However, we may share your information in the following circumstances:

Service Providers

We engage third-party companies and individuals to perform services on our behalf, including:

• Title companies and escrow agents
• Attorneys and legal professionals
• Appraisers and property inspectors
• Credit bureaus and background check services
• Payment processors and banking partners
• Cloud storage and IT service providers
• Marketing and analytics platforms

These service providers are contractually obligated to protect your information and may only use it for the specific purposes we authorize.

Investors and Buyers

When brokering mortgage notes, we share relevant note information with potential investors and buyers as necessary to facilitate transactions. We only share information required for evaluation and purchase decisions.

Legal Requirements

We may disclose your information if required by law, court order, subpoena, or government request, or to:

• Comply with legal obligations and regulatory requirements
• Enforce our agreements and policies
• Protect our rights, property, or safety, or that of others
• Investigate and prevent fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the successor entity or acquiring party.

With Your Consent

We may share your information for purposes not described in this policy with your explicit consent.

Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Regular security assessments and updates
• Access controls and authentication protocols
• Employee training on data protection and confidentiality

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information using commercially acceptable means, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. When determining retention periods, we consider:

• The nature and sensitivity of the information
• Legal and regulatory requirements
• Our legitimate business interests
• The purposes for which the information was collected

Financial transaction records and documentation are typically retained for seven years or longer as required by applicable laws and regulations.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Access and Correction

You have the right to request access to the personal information we hold about you and to request corrections if the information is inaccurate or incomplete.

Deletion

You may request deletion of your personal information, subject to certain exceptions (such as legal requirements to retain records).

Opt-Out

You can opt out of receiving marketing communications at any time by:

• Clicking the "unsubscribe" link in marketing emails
• Contacting us directly at the information provided below
• Updating your communication preferences in your account

Note that opting out of marketing does not apply to transactional communications necessary to provide our services.

Do Not Track

Our website does not currently respond to "Do Not Track" browser signals. We will update this policy if we implement such functionality in the future.

California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, and disclose, and the right to request deletion of your information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child without parental consent, we will delete that information promptly.

Third-Party Websites

Our website may contain links to third-party websites, services, or applications not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, legal requirements, or other operational reasons. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Effective Date"
• Sending an email notification to registered users
• Displaying a prominent notice on our website

Your continued use of our services after changes become effective constitutes acceptance of the updated policy. We encourage you to review this policy periodically.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Pacific Prosperity Financial
Email: tim@pacificprosperityfinancial.com
Phone: (503) 703-5045

We will respond to your inquiry within a reasonable timeframe as required by applicable law.

Consent

By using our website and services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with our practices, please discontinue use of our services.

Last Updated: February 14, 2026
Version: 1.0