Privacy Policy

1. Who We Are

This Privacy Policy describes how Michael Daniel Investments, Inc. (“MDI,” “we,” “us,” or “our”) collects, uses, discloses, and protects information about you.

Contact:
417 Arden Ave, Suite 121A
Glendale, CA 91203
Phone: (818) 937-9987
Email: info@michaeldanielinvestments.com

2. Information We Collect

Information you provide directly

When you submit a form, call us, or otherwise contact us, we may collect:

• Name
• Phone number
• Email address
• Property address
• Estimated property value and equity position
• Description of your financing need or situation
• Loan amount requested and intended use of proceeds
• Any other information you choose to include in your message

Information collected automatically

When you visit our website, we and our service providers may automatically collect:

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URL
• Advertising identifiers and click identifiers (for example, Google Click ID) when you arrive from an advertisement

We use cookies and similar technologies for site functionality, analytics, and advertising measurement. You can control cookies through your browser settings.

Information collected during underwriting

If you proceed with a loan application, we will collect additional information necessary to underwrite the loan. This may include credit history, property documentation, title information, business entity documentation, and financial statements. We will describe this collection to you at the time it occurs.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiry and communicate with you about financing options
• Evaluate whether a loan may be available for your situation
• Underwrite, document, fund, and service loans
• Verify identity and comply with applicable law, including anti-money-laundering requirements
• Operate, maintain, and improve our website
• Measure the effectiveness of our advertising
• Detect and prevent fraud
• Comply with legal obligations and enforce our agreements

4. How We Share Your Information

We do not sell your personal information. We may share information in the following circumstances:

• Service providers. Vendors who help us operate our business, including hosting providers, form and email platforms, customer relationship management systems, analytics providers, and advertising platforms. These providers are permitted to use the information only to perform services for us.
• Transaction participants. If you proceed with a loan, we may share information with title companies, escrow agents, appraisers, insurers, attorneys, and other parties necessary to complete the transaction.
• Capital partners. Where a loan is funded or participated by a third-party capital source, we may share information necessary to evaluate and fund the loan.
• Legal and safety. When required by law, subpoena, or court order, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets.

5. Communications and Text Messaging

By submitting a form on this site or otherwise providing your phone number, you agree that MDI may contact you by phone, text message, or email regarding your inquiry.

6. Advertising

We advertise on third-party platforms, including Google. These platforms may set cookies or use identifiers to measure ad performance and to show you ads on other sites. You can manage Google’s ad personalization at adssettings.google.com and opt out of many interest-based ads at optout.aboutads.info.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to comply with our legal, tax, accounting, and regulatory obligations, to resolve disputes, and to enforce our agreements. Loan file records are retained for the periods required by applicable state and federal law.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your California Privacy Rights

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”), gives you the following rights:

• Right to know. Request the categories and specific pieces of personal information we have collected about you, the sources, the business purpose, 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 loan records.
• Right to correct. Request correction of inaccurate personal information.
• Right to opt out of sale or sharing. We do not sell personal information. To the extent that sharing personal information for cross-context behavioral advertising is considered “sharing” under the CCPA, you may opt out by contacting us using the details below or by using browser-based opt-out signals such as Global Privacy Control, which we honor.
• Right to limit use of sensitive personal information. We do not use sensitive personal information for purposes beyond those permitted without a limitation right.
• Right to non-discrimination. We will not discriminate against you for exercising any of these rights.

To exercise these rights, call (818) 937-9987 or email info@michaeldanielinvestments.com with the subject line “California Privacy Request.” We will verify your identity before responding and will respond within the timeframes required by law. You may designate an authorized agent to submit a request on your behalf.

Categories of information collected in the last 12 months

• Identifiers: name, postal address, email address, phone number, IP address
• Personal records: property address, financial information provided during inquiry or underwriting
• Commercial information: financing products considered or obtained
• Internet activity: browsing and interaction data on our website
• Geolocation data: approximate location derived from IP address
• Inferences: preferences derived from the above

10. Financial Privacy Notice

Where MDI collects nonpublic personal financial information in connection with a loan, we handle that information consistent with applicable financial privacy laws. We do not sell nonpublic personal financial information. Where a separate privacy notice is required in connection with a specific loan transaction, it will be provided to you at that time and will govern that transaction.

11. Third-Party Links

Our website contains links to third-party sites, including our scheduling tool. This policy does not apply to those sites. We encourage you to review the privacy policies of any third-party site you visit.

12. Children’s Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the most recent revision. Material changes will be posted on this page.

14. Contact Us

Questions about this Privacy Policy or our privacy practices:

Michael Daniel Investments, Inc.
417 Arden Ave, Suite 121A
Glendale, CA 91203
Phone: (818) 937-9987
Email: info@michaeldanielinvestments.com