Privacy Policy

Introduction

Arbor Financial Group, operating as NicheLending ("Company," "we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website nichelending.com or submit a loan inquiry through our platform.

Please read this policy carefully. If you disagree with its terms, please discontinue use of the site.

Information We Collect

We may collect information about you in a variety of ways, including:

• Personal Data: Name, email address, phone number, and other contact information you voluntarily provide when submitting a loan inquiry or booking a consultation.
• Loan Information: Loan program preferences, estimated loan amounts, credit score ranges, property type, and loan purpose you provide in our forms.
• Derivative Data: Information our servers automatically collect when you access the site, such as your IP address, browser type, operating system, access times, and referring URLs.
• Cookies and Tracking: We may use cookies, web beacons, pixel tags, and similar tracking technologies to help customize the site and improve your experience.

Use of Your Information

We use the information we collect to:

• Contact you regarding your loan inquiry and provide mortgage-related services
• Match you with appropriate non-QM loan programs based on your stated qualifications
• Send you marketing communications (with your consent, and you may opt out at any time)
• Improve our website, services, and customer experience
• Comply with legal and regulatory obligations
• Prevent fraudulent transactions and monitor against theft

Disclosure of Your Information

We may share information we have collected about you in certain situations:

• By Law or to Protect Rights: If required by law or to protect our rights, we may disclose your information.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.
• Third-Party Service Providers: We may share your information with third parties that perform services for us, including mortgage lenders, credit agencies, and technology providers — solely for the purpose of fulfilling your loan request.
• Affiliated Lenders: Your information may be shared with wholesale lenders and investors for the purpose of processing your mortgage application.

We do not sell your personal information to third parties for marketing purposes.

California Consumer Privacy Act (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect about you
• Know whether your personal information is sold or disclosed and to whom
• Say no to the sale of personal information
• Access your personal information
• Request deletion of your personal information
• Not be discriminated against for exercising your privacy rights

To exercise your CCPA rights, contact us at [email protected] or call (949) 829-1846.

Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Telephone Consumer Protection Act (TCPA)

By submitting your phone number through our website, you expressly consent to receive calls and text messages from Arbor Financial Group / NicheLending at the number provided, including calls and texts made using an automatic telephone dialing system or an artificial or prerecorded voice, for the purpose of discussing your mortgage inquiry. You are not required to provide this consent as a condition of purchasing any goods or services. Message and data rates may apply.

Contact Us

If you have questions or comments about this Privacy Policy, please contact us: