S.O.S. LOANS, INC. – CALIFORNIA NOTICE AT COLLECTION
Effective Date: August 24, 2026
Lender: S.O.S. Loans, Inc. (NMLS ID: 2222125 | DFPI CFL License No. 603F428)
S.O.S. Loans, Inc. collects personal and sensitive personal information from you during this online loan application. This Notice at Collection is provided pursuant to the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).
1. Categories of Personal Information Collected & Purpose of Use
Category | Examples Collected | Purpose of Use |
Identifiers | Full legal name, physical street address, email address, phone number, Social Security Number (SSN), Driver’s License / State ID number. | Identity verification (CIP/PATRIOT Act), fraud detection, communication, loan processing, and credit evaluation. |
Financial & Employment Information (Cal. Civ. Code § 1798.80) | Bank account details (account/routing numbers), paystubs, employer name, income records, monthly housing expenses, tax returns. | Underwriting personal loan eligibility, ability-to-repay determination, and loan funding/servicing. |
Protected Classifications | Date of birth, marital status (as required for credit evaluation/compliance), military/veteran status. | Legal age compliance, underwriting eligibility, and statutory reporting. |
Credit & Transactional Data | Credit reports, FICO scores, open credit balances, payment histories, existing liabilities. | Determining creditworthiness, interest rates, and loan amount limits via credit reporting agencies. |
Internet / Network Activity | IP address, browser type, device identifiers, session timestamps, and portal interactions. | Portal security, preventing fraudulent loan submissions, and maintaining system integrity. |
Sensitive Personal Information (SPI) | Social Security Number, Driver's License number, financial account credentials. | Used strictly for direct lending qualification, legal compliance, and servicing—never used to infer characteristics or for cross-context behavioral advertising. |
2. Data Selling and Sharing Status
S.O.S. Loans, Inc. DOES NOT SELL your personal information or sensitive personal information.
S.O.S. Loans, Inc. DOES NOT SHARE your personal information for cross-context behavioral advertising.
3. Data Retention Periods
We retain personal and financial information collected during loan origination for a minimum of three (3) years following loan closing or denial to comply with California Financing Law (CFC § 22156), DFPI regulatory audit standards, and federal record-retention statutes.