Effective date: October 19, 2026
Wymac Capital, Inc. (“Wymac,” “we,” “us”) is a California mortgage broker (NMLS 18766, CA DRE 01121628). This policy explains what personal information we collect through www.wymac.com and in the course of helping you with a mortgage, how we use and share it, and the choices and rights you have.
Information We Collect
We collect information you give us directly, including:
- Contact Us form: your name, email address, phone number (optional), your message, and whether you consent to calls and text messages.
- Request an Appointment form: your name, contact information, preferred times, and the topic you’d like to discuss.
- Quick Application: your contact information, property details, loan goal, and approximate income. The Quick Application does not ask for your Social Security number, date of birth, or account numbers.
- Full loan applications: if you go ahead with a loan, we collect the additional information lenders require, such as your Social Security number, employment, income, assets, debts, and credit history. We collect this through secure channels, never through the public website forms.
We also collect limited technical information automatically, such as your IP address, browser type, and pages visited, through our web hosting provider’s standard server logs and through cookies used to operate the site.
How We Use Your Information
- To respond to your questions and appointment requests.
- To review your loan goals, find loan options from the lenders we work with, and arrange and process your loan.
- To meet legal, regulatory, and recordkeeping obligations.
- To protect our website and our clients, for example to filter spam and prevent fraud.
- To send you information you asked for. You can opt out of marketing at any time.
How We Share Your Information
As a mortgage broker, we have to share your information with others to arrange your loan. We share it only as needed:
- With lenders, so they can review and fund your loan when you choose to proceed.
- With service providers who help us process loans, such as loan processors, appraisers, credit reporting agencies, title and escrow companies, and providers of our website, hosting, form, and email services. They may use your information only to provide services to us or to complete your loan.
- When required by law, for example in response to a subpoena, a regulatory examination, or to prevent fraud.
- With your consent, or at your direction.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We do not share your information with unaffiliated companies for their own marketing.
Once you apply for a loan, your nonpublic personal information is also protected under the federal Gramm-Leach-Bliley Act (GLBA). The lender for your loan will give you its own privacy notice.
Calls and Text Messages (SMS)
If you check the call/text consent box on our forms, you agree that Wymac may call or text you at the number you provided about your inquiry or loan, including with automated technology. Consent is optional and is not a condition of getting any loan or service. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts, or HELP for help. You can also call or text 925-885-1919 or email info@wymac.com to opt out. We do not share your mobile number or your text-messaging consent with third parties or affiliates for their marketing.
Cookies, Analytics, and Do Not Track
Our website uses cookies that are needed to run the site and its forms. We do not currently use Google Analytics, advertising pixels, or similar third-party tracking tools. You can set your browser to refuse or delete cookies, though some site features may not work. Some browsers send a “Do Not Track” signal. Because there is no common standard for these signals, our site does not respond to them. We do not allow third parties to collect information about your online activities across other websites through our site. We honor the Global Privacy Control (GPC) signal as an opt-out of sale or sharing, although we do not sell or share personal information.
Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act, as amended by the CPRA, gives you rights over your personal information. Information collected under the GLBA as part of a loan application or loan is exempt from these CCPA rights but stays protected under federal law and this policy. For other personal information, such as website inquiries, you have the right to:
- Know what personal information we have collected about you, where we got it, why we use it, and whom we share it with.
- Delete personal information we collected from you, subject to legal exceptions such as our required recordkeeping.
- Correct inaccurate personal information.
- Opt out of the sale or sharing of personal information. We do not sell or share it.
- Limit our use of sensitive personal information. We use it only to provide the services you request.
To make a request, email info@wymac.com or call or text 925-885-1919. We will verify your identity before acting on your request. You may use an authorized agent. We will not discriminate against you for exercising your rights. Under California’s “Shine the Light” law, you may also ask whether we have shared your information with third parties for their direct marketing. We do not.
Security
We use reasonable administrative, technical, and physical safeguards to protect your information. These include encrypted (HTTPS) website connections, limited access, and secure handling of loan documents. No system is completely secure, so please do not send Social Security numbers or account numbers by regular email. Ask us for a secure way to send documents.
How Long We Keep Information
We keep loan-related records for as long as federal and California law require, generally several years after a loan closes or an application ends. We keep website inquiries only as long as needed to respond and follow up, and generally delete inquiries that do not become loans within two years.
Children
Our services are for adults. We do not knowingly collect personal information from children under 13, and we do not sell or share information about consumers under 16. If you believe a child has given us information, contact us and we will delete it.
Links to Other Sites
Our website may link to other sites, such as YouTube videos or lender and government resources. We are not responsible for the privacy practices of those sites. Please review their policies.
Changes to This Policy
We may update this policy from time to time. We will post the revised policy here with a new effective date. We review this policy at least once a year.
Contact Us
Wymac Capital, Inc.
346 Rheem Blvd #107, Moraga, CA 94556 (by appointment only)
Email: info@wymac.com
Call or text: 925-885-1919
Main office: 925-937-4300
NMLS 18766 | CA DRE 01121628