Effective 11/1/2025

Power Banc Lending, a division of PowerBridge Capital, Inc., ("we," "us," "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, share, and safeguard data obtained through our websites, online forms, phone calls, SMS/text messages, interactions with our AI systems (such as Retell AI), and any mortgage loan application process.

1. Information We Collect

We collect information that you voluntarily provide or that is automatically collected to service your inquiry and process your loan application. This may include:

• Contact Information: Name, phone number(s), email address, and mailing address.
• Loan and Financial Information: Property details, financial status, income, employment history, assets, liabilities, and other data necessary for loan pre-qualification and processing.
• Voluntarily Submitted Documents: Copies of government-issued ID, mortgage statements, tax returns, and other documents required for verification and loan processing.
• Interaction Data: Call recordings, transcripts of conversations (including those processed by AI systems like Retell AI), website form submissions, and SMS/text message content and metadata.
• Technical Data: IP address, browser type, and device information collected during website visits and form submissions.

2. How We Use Your Information

We use the collected information for the following legitimate business purposes, primarily in connection with your interest in a mortgage or reverse mortgage product:

• Communication & Service: To contact you regarding your inquiry, verify your identity, pre-qualify you for products, schedule appointments or counseling, and respond to your requests.
• Loan Processing: To process, manage, and update your loan application, including compliance with all applicable lending and regulatory requirements.
• Compliance & Operations: To improve communication, service delivery, and internal operations, and for legal and regulatory compliance, including maintaining accurate records.
• SMS Consent: The phone number you provide may be used to send you informational and marketing text messages related to your loan inquiry. By providing your phone number, you explicitly consent to receiving SMS messages from us and our service providers.

3. Information Sharing and Disclosure

We are committed to the principle that we do not sell your personal information to non-affiliated third parties. We may share your information with the following parties only as necessary to provide our services, process your application, or comply with legal obligations:

• Authorized Lenders and Partners: We share necessary loan-related data with authorized lenders (e.g., Longbridge Financial) and business partners to obtain financing on your behalf.
• Service Providers: Third-party companies who provide critical support services, such as technology hosting, marketing, data processing, compliance auditing, and communication services (including SMS platform providers). These service providers are contractually required to maintain the confidentiality of your information.
• Counseling Agencies: Agencies selected by you, as required by law for specific loan programs.
• Legal and Regulatory Authorities: Government or legal authorities when required by subpoena, court order, or to comply with applicable laws, regulations, and industry standards (e.g., the CFPB, state regulators).

4. SMS Compliance and Disclosure (Mortgage & Texting Compliance)

By submitting your phone number, you confirm your consent to receive text messages (SMS/MMS) from PowerBanc Lending and our service providers at the mobile number provided, even if your number is on a do-not-call list.

• Message Frequency: Varies based on your account activity and status.
• Message and Data Rates: May apply from your mobile carrier.
• STOP: To stop receiving text messages, reply STOP to any message. You will receive one final text message confirming your opt-out.
• HELP: For assistance, reply HELP to any message or call us at 1-888-900-2142.

5. Your Consent

By calling, texting, submitting online forms, or interacting with our AI systems (including Retell AI), you acknowledge and consent to our collection, use, and sharing of your information consistent with this policy and all applicable laws, including the Fair Credit Reporting Act (FCRA) and relevant SMS regulations.

6. Your Rights

You have the right to request access to, updates, corrections, or deletion of your personal information, subject to our legal and regulatory requirements to retain certain records (e.g., records required under Regulation Z or ECOA).

To exercise these rights or for questions regarding this Privacy Policy, please contact us:

Email: info@powerbanclending.com
Phone: 1-888-900-2142
Mailing Address: 556 S Fair Oaks, #608 Pasadena CA 91105