Last Updated: November 26, 2025

This Privacy Policy explains how Alcocer Realty and Loans (“Company,” “we,” “us,” or “our”) collects, uses, stores, shares, and protects information obtained through this website, online forms, applications, emails, text messages, and related digital platforms (collectively, the “Website”).

By visiting or using our Website, you acknowledge that you have read, understood, and agree to this Privacy Policy.

1. INFORMATION WE COLLECT

We collect information in multiple ways to provide mortgage services, real estate services, marketing, and customer support.

A. Information You Provide Directly

This includes, but is not limited to:

• Full name

• Phone number

• Email address

• Home address

• Property address

• Loan inquiry details

• Estimated credit score

• Down payment information

• Employment information

• Income or asset data

• Documents uploaded (W-2s, paystubs, IDs, bank statements)

• Messages, notes, or feedback submitted via forms or chat

If you submit a mortgage application (full or pre-qualification), we may also collect:

• Social Security Number (encrypted & secure)

• Date of birth

• Government-issued identification

• Financial account details

• Tax returns

• Credit report information

• Debt and liability information

• Rent and housing history

B. Automatically-Collected Information

Using cookies, tracking pixels, and analytics tools, we collect:

• IP address

• Browser type, version, and device type

• Operating system

• Pages viewed and time spent

• Referring sites

• Click behavior

• Approximate location

• Session duration

• Heatmap or user interaction analytics (if enabled)

These help us improve user experience, security, and marketing performance.

C. Information from Third Parties

We may receive information from:

• Credit reporting agencies (with your authorization)

• Real estate partners

• Mortgage lenders or investors

• Lead generation platforms (Zillow, Realtor.com, etc.)

• Social media platforms

• Public records

• Property databases (MLS, title companies)

2. HOW WE USE YOUR INFORMATION

We use information to:

A. Provide and Improve Services

• Respond to inquiries

• Process mortgage applications

• Verify identity for compliance

• Provide real estate services and consultations

• Send disclosures, updates, timelines, and requests

B. Legal & Regulatory Compliance

As a mortgage and/or real estate provider, we must comply with:

• GLBA (Gramm-Leach-Bliley Act)

• ECOA

• TILA

• RESPA

• HMDA

• FCRA

• Federal & state licensing laws

• Anti-fraud regulations

C. Marketing and Communication

We may contact you via:

• Email

• SMS messages

• Phone calls

• Voicemail drops

• Automated systems (where permitted)

To provide:

• Loan program information

• Real estate alerts

• Educational content

• Promotions or events

• Newsletters

• Retargeting ads on Google, Facebook, and Instagram

You may opt out at any time.

D. Website Improvement

We use analytics to:

• Optimize Website performance

• Improve content quality

• Monitor website usage behavior

• Detect and prevent fraudulent activity

E. Recordkeeping & Compliance

We may keep data for compliance with federal mortgage regulations and state real estate laws.

3. COMMUNICATION CONSENT (TCPA COMPLIANT)

By providing your phone number or email, you consent to:

• Receiving calls, texts, and emails

• Automated dialing system communications (where allowed)

• Follow-ups related to your inquiry or application

You can opt out by:

• Replying “STOP” to texts

• Clicking “unsubscribe” in emails

• Contacting us directly

4. HOW WE SHARE INFORMATION

We do NOT sell your personal information.

We may share data with:

A. Service Providers

• Credit bureaus (with your consent)

• Loan processing systems

• Automated underwriting systems

• Title and escrow companies

• Appraisers

• Real estate partners

• Technology vendors

• Cloud storage providers

• Customer support software

B. Legal, Regulatory, or Safety Requirements

We may disclose information if required to:

• Comply with federal lending regulations

• Respond to subpoenas

• Prevent fraud

• Protect legal rights

C. Business Transfers

If the Company undergoes a merger or acquisition, information may be transferred securely as part of the transaction.

5. COOKIES & TRACKING TECHNOLOGIES

We use:

• Cookies

• Google Analytics

• Facebook Pixel

• Lead tracking pixels

• Retargeting tags

• Call tracking numbers

• CRM tracking tools

• Marketing automation tools

Users may disable cookies, though some Website features may not work properly.

6. DATA RETENTION

We retain data only as long as necessary, including for:

• Mortgage regulatory compliance (often 2–7 years)

• Real estate transaction records

• Legal and accounting obligations

• Fraud prevention

After retention periods expire, data is securely deleted or anonymized.

7. DATA SECURITY PRACTICES (GLBA SAFEGUARDS RULE COMPLIANT)

We use administrative, technical, and physical security measures including:

• SSL/HTTPS encryption

• Encrypted document storage

• Two-factor authentication

• Firewall and intrusion protection

• Restricted internal access

• Vendor compliance checks

• Regular security audits

• Secure data disposal

However, no system is 100% secure. You use the Website at your own risk.

8. YOUR PRIVACY RIGHTS

Depending on your state, you may have additional rights:

A. Access to personal information

You may request:

• What data we have

• How we use it

• Who we share it with

B. Correction of inaccurate information

C. Request data deletion

Except where laws require us to retain data
(e.g., mortgage documents cannot be deleted during retention periods).

D. Opt-out options

You may opt out of:

• Marketing emails

• Text messages

• Retargeting cookies

• Sale or sharing of personal data (if applicable)

E. Do-Not-Track

Browsers may send Do-Not-Track signals; we do not guarantee compliance with these signals.

9. CHILDREN’S PRIVACY

We do not knowingly collect data from individuals under 18 years old.
If discovered, data will be deleted immediately.

10. INTERNATIONAL USERS (GDPR-STYLE NOTICE)

Although we primarily serve U.S. clients, international users acknowledge that:

• Data will be transferred to the United States

• U.S. privacy laws may differ from their home country

11. THIRD-PARTY LINKS

We are not responsible for:

• External websites

• Privacy practices of linked sites

• Third-party tools

Use these at your own risk.

12. UPDATES TO THIS PRIVACY POLICY

We may update this policy anytime.
The updated version will be posted with a new “Last Updated” date.

13. CONTACT INFORMATION

If you have privacy questions or requests, contact:

ARL - Alcocer Realty and Loans LLC
Address: Molino, Irvine, CA 92618 
Phone: 714.770.4206
Email: info@alcocerrealtyandloans.com 
NMLS: 1219626

Real Estate License: #01375838

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