S.O.S. LOANS, INC. – CALIFORNIA CONSUMER PRIVACY ACT (CCPA) POLICY
Effective Date: August 24, 2026
Last Updated: August 24, 2026
This California Privacy Policy supplements the general S.O.S. Loans, Inc. Privacy Policy and applies exclusively to California residents ("consumers" or "you") in accordance with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act of 2020 (CPRA).
1. Statutory Financial Services Exemptions (GLBA & CalFIPA)
Please note that personal information collected, processed, or disclosed by S.O.S. Loans, Inc. pursuant to the federal Gramm-Leach-Bliley Act (GLBA) (15 U.S.C. § 6801 et seq.), the Fair Credit Reporting Act (FCRA), or the California Financial Information Privacy Act (CalFIPA) (Cal. Fin. Code § 4050 et seq.) is exempt from certain CCPA/CPRA consumer rights provisions (including the right to request deletion of financial account records). This policy governs all non-exempt personal data and sets forth your statutory rights.
2. Categories of Sources of Personal Information
We collect personal information directly from you (via online application forms and uploaded documents), credit bureaus (Experian, TransUnion, Equifax), government databases, employer/income verification providers, and automated website analytics.
3. Disclosures for Business Purposes
In the preceding 12 months, S.O.S. Loans, Inc. has disclosed the categories of personal information listed in our Notice at Collection strictly to:
Service Providers: Core loan origination software, cloud storage providers, and electronic signature platforms.
Credit Reporting Agencies: To evaluate creditworthiness under the FCRA.
Regulatory & Law Enforcement Authorities: To comply with California DFPI audits, subpoenas, or legal mandates.
4. Your California Privacy Rights
Subject to statutory exceptions under GLBA and California lending retention laws, California residents have the following rights:
Right to Know / Access: The right to request the specific pieces and categories of personal information we have collected about you over the past 12 months, the sources, and the business purpose for collection.
Right to Delete: The right to request deletion of personal information collected from you (subject to California Financial Code record retention mandates, under which we must preserve loan file records).
Right to Correct: The right to request correction of inaccurate personal information maintained in our active systems.
Right to Opt-Out of Sale / Sharing: S.O.S. Loans, Inc. does not sell or share personal data; therefore, no opt-out mechanism is required.
Right to Limit Use of Sensitive Personal Information: We limit use of SPI strictly to performing direct lending services and identity verification.
Right to Non-Discrimination: S.O.S. Loans, Inc. will not deny credit, charge different interest rates, or alter service terms because you exercised any CCPA privacy right.
5. How to Submit a Verifiable Consumer Request
To exercise your CCPA/CPRA rights, submit a verifiable consumer request by contacting us:
Toll-Free Phone: 1-800-503-6648
Email: [email protected]
Mailing Address:
S.O.S. Loans, Inc.
Attn: Compliance Department – Privacy Request
3655 Torrance Blvd, Suite 460
Torrance, CA 90503
Verification Process: To protect your identity, we will verify your request by matching at least two or three data points provided (e.g., name, phone number, email, last 4 digits of SSN) with information already in our secure records.