Privacy Policy

1. Information We Collect

We collect information you voluntarily provide and a limited amount of technical information collected automatically when you use our website.

• Contact information: name, business name, email address, telephone number, and mailing address.
• Loan inquiry information: property address and type, requested loan amount, loan purpose, estimated value, existing liens, exit strategy, and timeline.
• Financial and transaction information you choose to submit in support of a business purpose loan request, such as rent rolls, operating statements, purchase contracts, title reports, entity documents, and credit or background information.
• Technical information: IP address, browser type, device type, referring page, and pages viewed, collected through standard web server logs and analytics tools.

2. How We Use Information

We use the information we collect to evaluate and arrange business purpose loans secured by California real property, and to operate our business.

• To respond to inquiries, provide quotes, and communicate about a pending or prospective transaction.
• To underwrite, document, fund, service, and close loans arranged by Hanover MC.
• To verify identity, prevent fraud, and comply with applicable law, licensing requirements, and recordkeeping obligations.
• To send occasional program updates or mailing list communications you have requested. You may unsubscribe at any time.
• To maintain, secure, and improve our website.

3. How We Share Information

We do not sell your personal information. We share information only as needed to arrange and close your transaction or as required by law.

• With trust deed investors, lenders, and loan participants considering funding your loan request.
• With service providers supporting the transaction, including escrow and title companies, appraisers, insurance agents, attorneys, and loan servicers.
• With brokers or referral partners directly involved in your transaction.
• With regulators, law enforcement, or other parties when required by law, subpoena, or to protect our legal rights.

4. Telephone, Text, and Email Communications

By providing your telephone number, you consent to be contacted by Hanover MC at that number regarding your inquiry, including by telephone call, text message, or email. Message and data rates may apply. You may opt out of text messages by replying STOP and out of marketing email by using the unsubscribe link. Opting out of marketing does not stop communications necessary to service an active transaction.

5. Cookies and Analytics

Our website may use cookies and similar technologies to remember preferences, measure traffic, and understand how visitors use the site. Most browsers allow you to refuse or delete cookies. Disabling cookies may affect certain site features.

6. Data Security and Retention

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we hold. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send sensitive documents such as tax returns or account statements by unsecured email.

We retain loan file and transaction records for as long as necessary to service the transaction and to satisfy legal, licensing, tax, and audit requirements.

7. Your California Privacy Rights

California residents may have the right to request access to the categories and specific pieces of personal information we have collected, to request deletion or correction of that information, and to be free from discrimination for exercising these rights. We do not sell or share personal information for cross-context behavioral advertising.

Some information collected in connection with a loan application is subject to the Gramm-Leach-Bliley Act and related financial privacy laws, and may be exempt from certain California Consumer Privacy Act rights. To make a request, contact us using the information below. We will verify your identity before responding.

8. Third-Party Links

Our website links to third-party sites and platforms, including our online application and social media profiles. We are not responsible for the privacy practices or content of those sites. Review their privacy policies before submitting information.

9. Children's Privacy

Our website and services are directed to businesses and real estate investors and are not intended for individuals under 18. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes take effect when posted to this page with a revised “Last updated” date. Continued use of the website after posting constitutes acceptance of the updated policy.