Privacy Policy

Effective Date: October 2026

Home Equity Select (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This website is powered by West Capital Lending, Inc. (NMLS #1566096, DRE #02022356). This Privacy Policy discloses our information gathering and dissemination practices for this website in compliance with applicable federal and state laws, including the California Consumer Privacy Act (CCPA) and Google Advertising Policies.

1. Information We Collect

When you use our home equity request tool, we collect information that you voluntarily provide to us, including:

• Contact Information: Your full name, telephone number, email address, and preferred contact time.
• Inquiry Details: Your goal for the funds, property state and ZIP code, how the property is used, estimated home value and mortgage balance ranges, and the approximate amount you would like to access.
• Technical & Attribution Data: IP address, browser type, device information, and Google Ads click identifiers (e.g., gclid, gbraid, wbraid) used strictly for advertising attribution and fraud prevention.

This website does not request your Social Security number, income, or credit information, and submitting a request does not authorize a credit check.

2. How We Use Your Information

We use the collected information exclusively to:

• Review your request and identify home equity options that may fit your situation.
• Allow Shane Backer (NMLS #46384) and West Capital Lending, Inc. (NMLS #1566096) to contact you regarding your inquiry.
• Provide customer support and verify service quality.
• Measure the performance of our advertising. When we report a completed request to Google Ads, your email address and phone number are sent only in hashed (encoded) form.
• Comply with federal, state, and legal reporting obligations (including NMLS recordkeeping).

3. Strict No-Sale & Sharing Policy

We do not sell, rent, or lease your personal information to third-party data aggregators, mailing list brokers, or unrelated telemarketers. Your information is only shared with designated licensed mortgage loan originators who assist in reviewing loan eligibility and delivering mortgage options.

4. TCPA & Electronic Communications Consent

By submitting your phone number and checking the consent box, you authorize Home Equity Select, Shane Backer (NMLS #46384), and West Capital Lending, Inc. (NMLS #1566096) to contact you via telephone calls, SMS/MMS text messages, and prerecorded messages, including via automated telephone dialing systems. Consent is not a condition of purchasing any property, goods, or services. Standard message and data rates may apply. You may opt out at any time by replying STOP or contacting us directly.

5. Data Security & Storage

We employ administrative, technical, and physical security measures, including 256-bit SSL/TLS encryption, to safeguard personal data against unauthorized access, loss, or alteration.

6. Your Rights & Opt-Out Requests

Depending on your state of residence, you may have the right to request access to, correction of, or permanent deletion of your personal data. To exercise these rights, please contact our privacy compliance team:

Company: West Capital Lending, Inc. (NMLS #1566096 / DRE #02022356)
Loan Originator: Shane Backer (NMLS #46384)
Email: sbacker@westcapitallending.com
Direct Phone: (949) 818-7622
Fax: (949) 749-2066
Corporate Office: 17911 Von Karman Ave Suite 400, Irvine, CA 92614