Citizens Financial (“Citizens Financial,” “we,” “us,” or “our”), a California mortgage brokerage operating under NMLS #2503947 and doing business as The Badges Broker, Citizens Financial Home Services, and Adobe Mortgage, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and protect information about you when you visit our website at citizensfinancial.co, complete our quote or loan application forms, communicate with our loan officers, or receive text messages or other communications from us.
By using our website or services, you agree to the practices described in this Privacy Policy.
Information We Collect
We collect the following categories of personal information:
Information you provide directly to us:
- Contact information including your name, email address, mailing address, and mobile or landline phone number
- Financial information necessary to evaluate your mortgage eligibility, including income, employment status, assets, debts, and credit information
- Property information including the address, type, value, and intended use of any property you are purchasing or refinancing
- Military or first responder status (voluntarily disclosed) to determine eligibility for VA loans and similar programs
- Communications you send us, including emails, text messages, and voicemails
Information collected automatically when you visit our website:
- IP address, browser type, operating system, referring URL
- Pages viewed, time spent on pages, and similar standard web analytics data
- Cookies and similar tracking technologies (see Cookies section below)
Information from third parties:
- Credit reports and credit scores from consumer reporting agencies, with your authorization, as part of mortgage underwriting
- Property data from county records, MLS, and third-party real estate data providers
- Verification information from employers, banks, and other sources as part of the loan process
How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide mortgage products and services you have requested
- Evaluate your loan application and determine eligibility for various loan programs
- Communicate with you about your loan, including status updates, document requests, and appointment scheduling, via phone, email, and (if you have opted in) SMS text message
- Comply with applicable federal and state laws including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), the SAFE Act, and California Department of Real Estate and DFPI regulations
- Improve our website, services, and customer experience
- Prevent fraud and protect the rights, safety, and property of Citizens Financial, our clients, and others
SMS / Text Messaging Communications
If you provide your mobile phone number to Citizens Financial and consent to receive text messages — either by submitting your phone number through our quote form at citizensfinancial.co/quote, by direct request to a Citizens Financial loan officer during a phone or in-person consultation, or by texting START to (707) 203-0212 — you may receive SMS messages from us related to your mortgage inquiry, active loan file, document requests, appointment scheduling, rate information, and other matters relevant to your loan or pre-qualification.
No Third-Party Sharing of Mobile Information for Marketing: No mobile information or SMS opt-in consent data will be shared with third parties or affiliates for marketing or promotional purposes. Mobile information sharing is limited strictly to service providers we contract with to deliver SMS messages on our behalf (such as messaging platform vendors), and only to the extent necessary to provide the SMS service. These service providers are contractually obligated to protect your information and use it only for the purpose of supporting Citizens Financial’s SMS communications.
Message Frequency: SMS message frequency varies based on the status of your loan inquiry and active loan file. Most clients receive between 2 and 10 messages per month.
Opt-Out: You may opt out of SMS messages from Citizens Financial at any time by replying STOP to any text message you receive from us. Reply HELP for assistance, or contact us directly at (707) 800-6047 or info@citizensfinancial.co.
Message and Data Rates: Standard message and data rates may apply per your mobile carrier plan. Citizens Financial does not charge a fee for SMS messages.
SMS Consent Not Required: SMS consent is not a condition of obtaining mortgage services from Citizens Financial. You may decline SMS communications and still apply for and receive any of our loan products and services.
How We Share Your Information
Citizens Financial does not sell your personal information. We share information only as follows:
- Lenders and loan investors: As necessary to submit, process, underwrite, and fund your loan application
- Service providers: With companies that help us operate our business, including loan origination software platforms, electronic signature services, document storage providers, customer relationship management (CRM) systems, messaging platforms, and similar service providers, all of whom are contractually obligated to protect your information
- Credit bureaus and verification services: As part of standard mortgage underwriting and with your authorization
- Real estate agents and other professionals: When you have authorized us to communicate with them regarding your transaction
- Government agencies and regulators: When required by law, court order, or in response to lawful regulatory requests, including federal and state mortgage regulators
- In the event of a business transaction: Such as a merger, acquisition, or sale of assets, in which case we will provide notice before your information is transferred
Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with the following rights:
- Right to know: Request information about the categories and specific pieces of personal information we have collected about you, the sources, the purposes for collection, and the categories of third parties with whom we share it
- Right to delete: Request deletion of personal information we have collected from you, subject to legal exceptions including our obligation to retain mortgage records under federal and state law (typically 3-7 years after loan closing)
- Right to correct: Request correction of inaccurate personal information
- Right to opt out of sale or sharing: We do not sell personal information and do not share personal information for cross-context behavioral advertising
- Right to non-discrimination: We will not discriminate against you for exercising any of these rights
To exercise any of these rights, contact us at info@citizensfinancial.co or (707) 800-6047. We may need to verify your identity before processing your request.
Data Security
We implement commercially reasonable physical, electronic, administrative, and procedural safeguards to protect your information, including SSL encryption on our website, encrypted document portals for sensitive financial information, restricted employee access on a need-to-know basis, and ongoing security training for our staff. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
Cookies and Web Analytics
Our website uses cookies and similar technologies to improve your browsing experience, remember your preferences, and analyze how our site is used. You may set your browser to refuse cookies or to alert you when cookies are being sent; however, certain features of our website may not function properly without cookies enabled.
Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.
Third-Party Links
Our website may contain links to third-party websites, including lender portals, real estate sites, and social media platforms. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policies of any third-party site you visit.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, provide additional notice (such as a banner on our website or an email notification).
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Citizens Financial 406 Main Street, Suite G Vacaville, CA 95688 Phone: (707) 800-6047 Email: info@citizensfinancial.co
Additional Office: 711 Jefferson Street, Suite 102 Fairfield, CA 94533 Phone: (707) 246-5670
NMLS #2503947 DBA: The Badges Broker, Citizens Financial Home Services, Adobe Mortgage Equal Housing Opportunity
