What North Coast Financial collects through residentialbridgeloanlenders.com, how we use it, who we share it with, and the choices you have. Effective date: November 10, 2026.
This Privacy Policy explains what information North Coast Financial, Inc. ("North Coast Financial," "we," "us") collects through residentialbridgeloanlenders.com, how we use it, who we share it with, and the choices and rights you have. North Coast Financial is a California licensed real estate broker (DRE Broker #01870870, NMLS ID 323044) that has made private money loans secured by California real estate since 1981. This website is for California residential bridge loans.
Information you give us. This site has three forms. The "Request a call back" form collects your full name, phone number and email address, what you want to do (for example, buy before you sell or make a non-contingent offer) and, if you choose, the property's city or ZIP code. The form on our Contact page collects your first and last name, email address, phone number if you give it, a subject and your message. The "Get Your Rate" form on our homepage collects your first and last name, email address, phone number if you give it, the loan purpose, the property's location and any notes you add, such as the property value, loan amount or timeline. If you call or email us, we collect what you tell us.
Live chat. The chat window on this site is provided by JivoChat. If you use it, we receive the messages you type and any name, email address or phone number you give in the chat, along with the page you were on. JivoChat also collects technical information about your visit, such as your IP address, browser type and approximate location, to run the chat service.
Information collected when you send a form. Along with your request, the form sends the page you were on, the first page you visited on this site during that visit, the website that referred you, any campaign tags in the link you followed (such as utm_source or a Google click ID), and your Google Analytics browser identifier. It also sends how long the page was open before you pressed send; we use that only to screen out automated spam and do not store it.
Your IP address. To stop repeated automated submissions, our server keeps a scrambled (hashed) version of the IP address that sent a form for up to one hour. Like most websites, our host and our security software also record the IP address, browser type, date and time, and pages requested for each visit, which we use to keep the site running and to detect and block attacks.
Analytics. We use Google Analytics 4 to understand how visitors use the site. Google Analytics uses cookies and similar technology to collect information such as the pages you view, how you arrived at the site, your device and browser type, your approximate location, and actions you take on the site, such as tapping a phone number or email link, starting a chat or sending a form. Google signals (Google's cross-device and advertising features) is turned off for this site.
Information stored in your browser. For the length of your visit, the site keeps a note in your browser's session storage of the page you first landed on and how you arrived, so a form can include it. Session storage is cleared when you close the browser tab.
Fonts. Our pages load fonts from Google Fonts, so Google's servers receive your IP address and basic browser information when a page loads.
We use the information we collect to respond to your request and call you back; to discuss, evaluate and quote a bridge loan; to communicate with you about your inquiry; to understand which pages and sources lead people to contact us, so we can improve the site; to prevent spam, fraud and misuse; and to meet our legal, licensing and recordkeeping obligations.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising. This site runs no advertising or remarketing tags, and Google signals is turned off in our Google Analytics account.
We share information only as follows:
You can block or delete cookies in your browser settings, and you can opt out of Google Analytics with Google's browser add-on at https://tools.google.com/dlpage/gaoptout. Blocking cookies does not stop the site or the forms from working. Browsers' "Do Not Track" signals are not standardized, and this site does not change its behavior in response to them. Because we do not sell or share personal information, a Global Privacy Control signal does not change what we do; if that ever changes, we will honor it as an opt-out request.
We keep form requests, chat conversations and the related emails for as long as we need them to respond to you and to meet the recordkeeping requirements that apply to California real estate brokers.
Our Google Analytics account is set to keep detailed event data and data tied to a browser identifier for up to 14 months. Our standard Google Analytics reports show only aggregated totals, such as visits per page. The scrambled IP address used to stop repeat form submissions is deleted after one hour.
If you are a California resident, you may ask us to:
You also have the right to opt out of the sale or sharing of your personal information (we do not sell or share it) and to limit the use of sensitive personal information (we do not use it for any purpose that would require that choice). We will not discriminate against you for exercising any of these rights.
To make a request, call (760) 722-2991 or email contact@northcoastfinancialinc.com. We will verify your request by matching the information you give us with what we have, and we will respond within 45 days. You may use an authorized agent; we may ask for proof that the agent is authorized and confirm your identity directly.
California's "Shine the Light" law (Civil Code section 1798.83) lets California residents ask which personal information a business shared with third parties for their own direct marketing. We do not share personal information with third parties for their direct marketing.
To review or ask us to change the information you sent through this site, contact us using the details below.
We use reasonable safeguards to protect the information we collect, including encrypted (HTTPS) connections to this site, a website firewall, and restricted access to lead records. No website or email system is perfectly secure, so please do not send account numbers, Social Security numbers or other sensitive financial details through a form, the chat or by email.
This site is not directed to children, and we do not knowingly collect personal information from anyone under 16.
This site may link to other websites, such as our main site, northcoastfinancialinc.com. We are not responsible for the privacy practices of websites we do not operate.
We may update this policy. When we do, we will post the new version here and change the effective date at the top.
North Coast Financial, Inc.
2424 Vista Way #202
Oceanside, CA 92054
Phone: (760) 722-2991
Email: contact@northcoastfinancialinc.com
DRE Broker #01870870. NMLS ID 323044
Talk to a bridge lender
Tell us about your move. We will call you back.
A North Coast Financial loan officer reads every request and calls you back, usually the same business day. There is no cost or obligation to ask.
Prefer to talk now? Call (760) 722-2991