Privacy Policy

1. Scope

This Privacy Policy applies to information collected by Pimlico Capital ("Pimlico," "we," "us," or "our") through pimlicogroup.com, our loan application portals, our broker portal, our investor portal, email and phone communications with our team, and any related Pimlico-branded services (collectively, the "Services").

By using the Services, you agree to the data practices described in this policy. If you do not agree, please do not use the Services.

2. Information We Collect

We collect information that you provide directly, information collected automatically when you use the Services, and information from third parties.

Information you provide

• Contact details — name, email, phone number, mailing address.
• Loan application information — Social Security number, date of birth, government-issued ID, entity (LLC) details, citizenship status, real estate experience, and information about the subject property.
• Financial information — bank statements, asset and liability details, credit authorization, tax returns, and supporting documentation requested by underwriting.
• Broker and partner information — NMLS number, licensing details, W-9, payment information, and details about deals you submit.
• Communications — emails, recorded phone calls (where permitted by law), text messages, and chat transcripts.

Information collected automatically

• Device and usage data — IP address, browser type, operating system, referring URL, pages viewed, time spent, and interactions with our forms and tools.
• Cookies and similar technologies — see Section 5.

Information from third parties

• Credit bureaus — credit reports and scores when you authorize a credit pull.
• Public records — property records, title information, and entity filings.
• Service providers — appraisers, title companies, insurance agents, and verification services.
• Marketing partners — referral sources, lead providers, and advertising platforms.

3. How We Use Information

We use personal information to:

• Evaluate, underwrite, originate, fund, and service loans.
• Verify identity and prevent fraud, money laundering, and other unlawful activity.
• Communicate with you about your application, loan, draws, payoffs, and account.
• Provide and improve our broker, borrower, and investor portals.
• Send you marketing communications about loan products, events, and resources you may find useful — you can opt out at any time.
• Comply with applicable laws, regulations, court orders, and lawful requests from regulators.
• Operate, maintain, and secure our website and internal systems.

4. How We Share Information

We do not sell personal information. We share information only as needed to deliver the Services or as required by law:

• Service providers — title companies, appraisers, insurance agents, credit bureaus, payment processors, cloud hosting providers, e-signature platforms, and CRM/email vendors that act on our behalf under contract.
• Capital and investor partners — institutional capital partners, note buyers, and securitization participants in connection with funding or selling loans.
• Legal and regulatory — regulators, law enforcement, courts, and other parties when required by law or to protect our rights.
• Corporate transactions — in connection with a merger, acquisition, financing, or sale of all or part of our business.
• With your consent — when you direct us to share information with a third party, such as a co-borrower or accountant.

5. Cookies & Tracking

We and our partners use cookies, pixels, and similar technologies to remember your preferences, measure site performance, and (where lawful) deliver relevant advertising. Categories include:

• Strictly necessary — required for the site and portals to function.
• Analytics — help us understand which pages and features are useful (e.g., Google Analytics).
• Advertising — used to measure campaigns and serve relevant ads on other sites.

You can control cookies through your browser settings. Most browsers also support a "Do Not Track" signal — we currently treat any clear opt-out signal we recognize as a request to disable advertising cookies.

6. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, and ongoing monitoring. No system is perfectly secure; if we ever experience a security incident affecting your information, we will notify you and the appropriate authorities as required by law.

7. Data Retention

We keep personal information for as long as needed to provide the Services and meet our legal, accounting, and regulatory obligations. Loan files and related records are typically retained for the life of the loan plus the period required by federal and state lending and tax laws (generally 5–7 years after payoff, though longer in some jurisdictions).

8. Your Rights & Choices

Depending on where you live, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of personal information, subject to legal record-keeping requirements that apply to lenders.
• Opt out of marketing emails by clicking "unsubscribe" or contacting us.
• Opt out of the sale or sharing of personal information for cross-context behavioral advertising (we do not sell personal information).
• Designate an authorized agent to act on your behalf.

To exercise any of these rights, email info@pimlicogroup.com. We may need to verify your identity before responding. We will not discriminate against you for exercising your privacy rights.

9. Children's Privacy

The Services are intended for adults (18+) using our products in a business or investment capacity. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it.

10. Changes to This Policy

We may update this policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be communicated by email or a prominent notice on the website before they take effect.

11. Contact Us

Questions, requests, or complaints about this policy or our privacy practices? We're happy to help.

This page is a general privacy notice and does not constitute legal advice. Specific contractual disclosures provided at loan application or closing govern the loan relationship.