Privacy Policy

1. Scope and Who We Are

Grand Funding LLC ("Grand Funding,""we,""us," or"our") is a direct private lender headquartered in Arizona, licensed to originate real estate loans in Arizona and California. This Privacy Policy applies to information collected through grandfundingllc.com, our online loan application, our phone intake, email, and any other channel where we interact with you.

Our operating legal entity is Grand Funding LLC, NMLS ID 2466872, Arizona MLO License 1048901. Licensing can be verified at NMLS Consumer Access.

2. Information We Collect

Information You Provide Directly

When you apply for a loan, request pre-approval, or contact us, you may provide:

• Identifying information: full name, phone number, email address, mailing address
• Property information: subject property address, estimated value, purchase price, renovation budget, after-repair value, photos
• Deal information: loan amount requested, loan purpose, preferred loan type, closing timeline, exit strategy
• Entity information: if borrowing through an LLC or corporation, entity name, formation state, ownership breakdown
• Experience information: prior real estate investments, project history, references
• Financial context: equity positions, liquidity, other real estate holdings (provided voluntarily)

We do not require W-2s, tax returns, or pay stubs. Grand Funding underwrites on asset-based criteria — property value and deal quality — rather than personal income verification.

Information Collected Automatically

When you visit our website we automatically collect:

• Device and browser data: IP address, browser type and version, operating system, screen size, language
• Usage data: pages viewed, referring page, time on page, links clicked, approximate geolocation (city/region level)
• Marketing attribution: UTM parameters (utm_source, utm_medium, utm_campaign, utm_term, utm_content), Google Click Identifier (gclid)

Information from Third Parties

To underwrite your loan we may obtain:

• Property valuation data from appraisal providers, AVM services, and public records
• Title reports and lien history from title insurance providers
• Background and entity verification from commercially available databases
• Credit reports, only when you authorize a credit pull in writing (not performed for initial pre-approval)

3. How We Use Information

We use the information we collect for the following purposes:

• Processing your loan request: evaluating deal quality, issuing term sheets, underwriting, closing, and servicing loans
• Communication: responding to inquiries, sending term sheets, coordinating closings, follow-ups on pending deals
• Compliance: meeting NMLS, Arizona Department of Insurance and Financial Institutions, and California Department of Financial Protection and Innovation recordkeeping requirements, anti-money-laundering screening, fraud prevention
• Service improvement: analyzing aggregated site usage to improve our services, measure marketing effectiveness, and diagnose technical issues
• Marketing (with consent): retargeting and measuring performance of paid search campaigns

4. When We Share Information

We share information only with parties necessary to evaluate, close, fund, and service your loan, or as required by law:

• Title and escrow companies to facilitate closings
• Appraisal management companies to obtain property valuations
• Legal counsel for loan document preparation and dispute resolution
• Loan servicers if servicing is transferred after closing
• Regulators including NMLS, state regulators, and federal agencies when required
• Law enforcement in response to lawful requests (subpoenas, court orders)
• Service providers who operate under contractual confidentiality: Netlify (website hosting), Google (analytics and ads measurement), email delivery providers

We do not sell your personal information. We do not rent, trade, or exchange borrower lists with third-party marketers.

5. Cookies, Analytics, and Advertising

We use first-party and third-party cookies and similar technologies for the purposes below. On your first visit you will see a consent banner asking you to accept or decline optional cookies.

• Essential cookies (always active): consent preferences, form state, security tokens
• Analytics cookies (Google Analytics 4, measurement ID G-K825ENLYS6): aggregated site usage metrics
• Advertising cookies (Google Ads): attribution and remarketing for our paid search campaigns; only active after you accept

We implement Google Consent Mode v2. Until you consent, Google tags run in a privacy-preserving mode that does not set advertising or analytics identifiers.

You can manage preferences at any time by clearing your cookies and reloading any page. Most browsers also provide tools to block or delete cookies; instructions for major browsers are available from their respective help pages.

6. Data Retention

We retain borrower records per regulatory requirements:

• Funded loan files: for the life of the loan plus seven (7) years after payoff, per NMLS and state recordkeeping rules
• Declined or withdrawn applications: twenty-five (25) months minimum per ECOA / Regulation B
• Website analytics: up to fourteen (14) months in Google Analytics 4
• Marketing attribution data: thirty (30) days to ninety (90) days depending on source

Retention periods may be extended where required for regulatory audit or legal proceedings.

7. Security

Grand Funding maintains physical, electronic, and procedural safeguards designed to protect non-public personal information. These include TLS encryption for data in transit, access controls on internal systems, and employee confidentiality agreements. No transmission over the internet can be guaranteed 100% secure; you provide information at your own risk.

If you believe your information has been compromised, contact us immediately at info@grandfundingllc.com or (602) 935-0371.

8. California Privacy Rights (CCPA / CPRA)

You have the right to:

• Know what personal information we collect, use, disclose, and for what purpose
• Access a copy of the personal information we hold about you
• Correct inaccurate personal information
• Delete personal information we hold about you (subject to regulatory retention exceptions for funded loans)
• Limit the use of sensitive personal information to purposes necessary for the services you requested
• Opt out of"sale" or"sharing" of personal information for cross-context behavioral advertising
• Non-discrimination for exercising these rights

Do Not Sell or Share My Personal Information. Grand Funding does not sell personal information in the traditional sense. We use third-party advertising cookies (Google Ads) for measurement and remarketing, which under CPRA may constitute"sharing." To opt out, decline advertising cookies in our consent banner, or email info@grandfundingllc.com with subject line"CCPA Opt-Out."

To exercise any California privacy right, contact us using the Contact section below. We will verify your identity before responding and will respond within forty-five (45) days. You may designate an authorized agent to make requests on your behalf; agents must provide written authorization and proof of identity.

Shine the Light (California Civil Code § 1798.83). California residents may request information about third parties to whom we disclosed personal information for direct marketing in the preceding calendar year. Grand Funding does not disclose personal information for third-party direct marketing purposes.

9. Arizona Residents

Arizona does not currently have a comprehensive consumer privacy law comparable to the CCPA, but Grand Funding extends the access, correction, and deletion rights described above to Arizona residents as a matter of policy. To exercise these rights, contact us at the information below.

Arizona Department of Insurance and Financial Institutions supervises mortgage lending in the state. If you have unresolved concerns, you may contact AZDIFI at difi.az.gov or (602) 771-2800.

10. Children

Our services are directed to adults age eighteen (18) or older. We do not knowingly collect personal information from children under thirteen (13). If we learn that we have inadvertently collected information from a child under thirteen, we will delete it.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or applicable law. Material changes will be announced on this page with an updated"Last updated" date. Continued use of our services after changes take effect constitutes acceptance of the revised Policy.

12. Contact