Do We Use “Cookies”?

Yes. Cookies are small files that a site or its service providers transfer to your device through your web browser (if you allow) that enable recognition of your browser and the capture of certain information. We use cookies to:

• Understand your preferences based on previous or current site activity to improve services.
• Compile aggregate data about site traffic and interactions to offer better experiences and tools.
• Help service providers measure and improve site performance (under contracts that restrict their use of data).

You can choose to receive a warning each time a cookie is being sent, or turn off all cookies via your browser settings. If you turn cookies off, some features may not function properly.

Privacy Notice for California Residents (CCPA/CPRA)

This section applies solely to California residents and supplements the information above. We provide this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act (collectively, “CCPA”). Terms defined in the CCPA have the same meaning here.

Note: Certain information may be exempt from the CCPA/CPRA, such as data subject to the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), Fair Credit Reporting Act (FCRA), HIPAA/CMIA, and other sector-specific laws.

Information We Collect (Past 12 Months)

The website www.newdaycommercial.com (and related sites) may collect information that identifies, relates to, describes, references, or could reasonably be linked with a particular consumer or device (“personal information”).

Personal Information does not include:

• Publicly available information from government records.
• Deidentified or aggregated information.
• Information excluded from CCPA scope (e.g., GLBA/FIPA, FCRA, HIPAA/CMIA, DPPA).

Sources of Personal Information

• Directly from you (e.g., documentation you provide during loan-related inquiries or approvals).
• Indirectly from you (e.g., loan applications submitted by brokers/bankers on your behalf; site analytics).

Sharing Personal Information

We may disclose personal information to third parties for a business purpose. When we disclose personal information for a business purpose, we execute contracts requiring recipients to keep the information confidential and use it only to perform services for us.

Categories of recipients:

• Subsidiaries and affiliates
• Contractors and service providers (including IT, analytics, hosting, communications)
• Data aggregators (in deidentified/aggregated form)
• Loan-process partners (e.g., appraisers, brokers, title/escrow, closing agents, servicers)

Disclosures for a Business Purpose (Past 12 Months)

We have disclosed the following categories of personal information for a business purpose to the parties identified above:

• Category A: Identifiers
• Category B: Customer Records (Cal. Civ. Code §1798.80(e))
• Category C: Protected Classifications
• Category D: Commercial Information
• Category F: Internet/Network Activity

Sale/Share of Personal Information & Opt-Out

We do not sell personal information for monetary consideration. We may share personal information with non-affiliate third parties (e.g., mortgage brokers, appraisers, loan servicers) to process loan requests, which can be considered a “sale” or “sharing for cross-context behavioral advertising” under California law in certain contexts.

If you are a California resident and wish to opt out of sale/share, please email: inquiries@newdaycommercial.com with the subject line “CCPA Opt-Out Request.” We will take reasonable steps to verify your identity and process your request. Opting out may impact our ability to complete appraisals or process loan-related services requiring third-party providers.

Your Rights & Choices (California)

Subject to exceptions, California residents have the right to:

• Know/Access categories and specific pieces of personal information collected; categories of sources; business/commercial purposes; categories of third parties.
• Data Portability of certain information.
• Delete personal information collected (subject to legal/operational exceptions).
• Correct inaccurate personal information.
• Opt Out of sale/share of personal information (see above).
• Limit Use/Disclosure of Sensitive Personal Information (if applicable; not used in a way requiring a limit notice under CPRA).
• Non-Discrimination for exercising CCPA rights.

Deletion exceptions include, for example: completing transactions; detecting security incidents; debugging; exercising free speech; complying with legal obligations; and internal uses aligned with consumer expectations.

How to Submit a Request

You (or an authorized agent registered with the California Secretary of State) may submit requests by contacting us at:

You may make a verifiable consumer request for access or data portability no more than twice within a 12-month period. Your request must provide sufficient information to allow us to reasonably verify you (or your agent) and describe your request with sufficient detail for us to understand and respond.

Response Timing & Format

We endeavor to respond within 45 days of receipt. If we require more time (up to 90 days), we will notify you of the reason and extension period in writing. If you have an account with us, we may deliver our response to that account; otherwise, responses will be delivered by mail or electronically, at your option.

Any disclosures will cover the 12-month period preceding your request. If we cannot comply, we will explain why. For data portability, we will provide information in a readily useable format that allows transmission to another entity.

We do not charge a fee to process or respond to a request unless it is excessive, repetitive, or manifestly unfounded. If a fee applies, we will provide a cost estimate before completing your request.

Accessibility Design Guidelines

• Legible standard fonts and live text wherever possible.
• Pages designed to avoid horizontal scrolling at common resolutions.
• No information is conveyed exclusively by color.
• Images and hyperlinks include alternative text where appropriate.

Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. We may offer financial incentives permitted by law that relate reasonably to the value of your data, with separate opt-in consent you can revoke at any time.

Children Under the Age of 16

Our website is not intended for children under 16, and we do not knowingly collect personal information from children under 16. If we learn we have collected such information without parental consent, we will delete it. If you believe we may have such information, contact us at inquiries@newdaycommercial.com.

Changes to This Privacy Policy

We may update this Privacy Policy at any time. When we do, we will post the updated notice on this site and update the “Last Reviewed” date above. Your continued use of our site following the posting of changes constitutes your acceptance of such changes.

Other California Privacy Rights (“Shine the Light”)

California Civil Code §1798.83 permits users of our site that are California residents to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write or email us at the contacts below.

California Do-Not-Track (DNT) Disclosure

We are committed to providing meaningful choices about information collected on our site by third parties (e.g., via platform opt-outs). However, we do not currently recognize or respond to browser-initiated DNT signals, as industry standards are still evolving.

Nevada Privacy Notice

Nevada residents may opt out of the sale of “personally identifiable information” for monetary consideration under Nevada law. If you are a Nevada resident who has obtained services from us and wish to opt out of future sales under Nevada law, please email inquiries@newdaycommercial.com. We will take reasonable steps to verify your identity and record your preference. For assistance, you may also contact the Nevada Attorney General’s Office at 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 702-486-3132; aginfo@ag.nv.gov.