Privacy Policy
Effective date: September 27, 2026 | Last updated: [publication date] (draft revised October 16, 2026)
Fastrack Rate respects your privacy and is committed to protecting the personal information you provide when you visit this website, contact us, request mortgage information, use our calculators or rate-quote tools, or otherwise interact with our website.
Information We Collect
We may collect information that you voluntarily provide, such as your name, email address, phone number, contact message, and information you enter into mortgage calculators, rate-quote tools, or loan inquiry forms. Depending on the service you request, this may include information about a property, loan amount, loan purpose, occupancy, down payment, credit range, or other mortgage-related details.
We may also automatically collect limited technical information when you use the website, such as your IP address, browser type, device information, pages visited, referring website, and similar usage information through standard website technologies.
How We Use Information
We may use the information we collect to respond to inquiries, provide requested mortgage information or estimates, assist with loan-related services, operate and improve the website, communicate with you, maintain security, prevent fraud or misuse, and comply with applicable legal and regulatory requirements.
Mortgage Quotes and Calculators
Information produced by calculators, rate-quote tools, or similar website features is provided for informational purposes and may be based on the information you enter. Estimates are not a commitment to lend, an approval, or a guarantee of any particular interest rate, payment, loan program, or loan terms. Final loan terms are subject to application, verification, underwriting, eligibility requirements, and other applicable conditions.
How We Share Information
We may share information with service providers and technology partners that help us operate our website, communicate with users, process inquiries, provide mortgage-related services, maintain security, or perform other business functions on our behalf. We may also disclose information when required by law, regulation, legal process, or governmental request, or when reasonably necessary to protect our rights, users, systems, or the public.
We do not sell personal information in exchange for monetary payment.
Cookies and Analytics
Our website may use cookies, analytics services, and similar technologies to understand website usage, remember preferences, diagnose technical issues, and improve site performance. Your browser may allow you to block or delete cookies, although doing so may affect certain website features.
Data Security
We use reasonable administrative, technical, and organizational measures intended to protect personal information. However, no website, network, transmission, or storage system can be guaranteed to be completely secure.
Data Retention
We may retain personal information for as long as reasonably necessary for the purposes described in this policy, to provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal or regulatory obligations.
Third-Party Websites and Services
Our website may link to or use services operated by third parties. Their privacy practices are governed by their own policies, and we are not responsible for the privacy practices or content of third-party websites or services.
Children's Privacy
This website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through this website.
Your Privacy Choices
Depending on where you live, applicable law may provide rights concerning your personal information. You may contact us to ask questions about information you have provided through this website or to make a privacy-related request. We may need to verify your identity before fulfilling certain requests.
California Privacy Rights
If you are a California resident, you may have rights regarding your personal information under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other applicable California privacy laws. Depending on the circumstances and applicable law, these rights may include the right to know about and access personal information collected about you, request deletion of certain personal information, request correction of inaccurate personal information, opt out of the sale or sharing of personal information, limit certain uses and disclosures of sensitive personal information, and exercise applicable privacy rights without unlawful discrimination.
Not all rights or requirements apply in every circumstance, and certain information may be subject to exceptions or governed by separate federal or state financial privacy laws. To submit a privacy-related request or ask a question about your personal information, please contact us through our Contact Us page. We may need to verify your identity before processing certain requests.
Financial Privacy Notices
This website privacy policy describes general website privacy practices. It does not replace any financial privacy notice, consumer disclosure, or other notice that may be provided separately in connection with a mortgage application, loan transaction, or other financial service as required by applicable law.
Mortgage Applications and the Gramm-Leach-Bliley Act (GLBA)
Personal information you provide when you apply for or obtain a mortgage loan (for example, through our borrower portal) is nonpublic personal information protected under the federal Gramm-Leach-Bliley Act (GLBA) and the California Financial Information Privacy Act. How we collect, share, and protect that information, and your right to limit certain sharing, is described in our separate consumer financial Privacy Notice, which we provide when you apply and annually as required. [Link to GLBA Privacy Notice to be added.] Information covered by the GLBA is generally exempt from the CCPA/CPRA, but this website policy and the CCPA/CPRA continue to apply to other information we collect through this website.
Notice at Collection for California Residents
This notice describes the categories of personal information we collect through this website, the purposes for which we use them, and how long we keep them.
- Identifiers and contact information (name, email address, phone number, IP address): to respond to your inquiry, provide rate estimates, communicate with you, and prevent fraud.
- Financial and property information you enter (loan purpose, occupancy, property value, loan amount, down payment, credit score range): to provide estimates and mortgage information you request.
- Internet and device activity (pages visited, browser and device data, referring site): to operate, secure, and improve the website.
- Inferences drawn from the above: to determine which mortgage products may fit your request.
Sensitive personal information: we do not use or disclose sensitive personal information for purposes other than those permitted by the CPRA. Sale and sharing: we do not sell your personal information and do not share it for cross-context behavioral advertising. [Confirm with Fastrack before publishing.] We do not knowingly sell or share personal information of consumers under 16. Retention: we keep each category for as long as reasonably necessary for the purpose collected, generally up to [X] years for inquiries that do not result in a loan, or longer when required by mortgage record-keeping laws.
Your California Privacy Rights and How to Exercise Them
California residents may request to know, access, correct, or delete personal information, opt out of sale or sharing, and limit the use of sensitive personal information, and will not be discriminated against for exercising these rights. To submit a request, email copleyfinance@gmail.com with the subject “California Privacy Request,” call 657-200-1201, or write to us at the address below. We will verify your identity by matching information you provide with information we hold, and we will respond within the time required by law (generally 45 days). You may use an authorized agent, who must provide proof of your signed permission. We honor Global Privacy Control (GPC) browser signals as an opt-out of sale/sharing where applicable.
Phone Calls and Text Messages (TCPA)
If you give us your express written consent (for example, by checking the consent box on our contact form), Copley Finance dba Fastrack Rate and its loan officers may contact you at the phone number you provide, including by calls and text messages made using an automatic telephone dialing system or an artificial or prerecorded voice, about your inquiry and our mortgage products and services. Consent is not a condition of any purchase, loan, or service. Message and data rates may apply, and message frequency varies.
You may revoke consent at any time by any reasonable means, including replying STOP to any text message, telling us on a call, or emailing copleyfinance@gmail.com. Reply HELP for help. We keep a record of your consent and opt-out. We do not sell or share your phone number or SMS consent with third parties or affiliates for their own marketing purposes. Our online loan application and borrower portal are provided by our technology vendor, Calyx Software (Zip), which processes the information you enter on our behalf.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, services, or legal requirements. The effective date shown above indicates when this policy was last updated.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us through the Contact Us page on this website or at:
Copley Finance dba Fastrack Rate
7755 Center Ave., 11th Floor, Huntington Beach, CA 92647
Email: copleyfinance@gmail.com
Phone: 657-200-1201
NMLS 2272780 | DRE 02136245