Privacy Policy

Who we are

Long Hall Financial arranges funding for real estate investors. Tyler Hall is the person you deal with, from your first question to payoff. This policy explains what we collect when you use this site, call or text Tyler, run an estimate or apply, what we do with it and what you can ask us to do.

Questions about this policy go to Tyler: call 408-459-8133 or write to tyler.hall@longhallfinancial.com.

What we collect

Contact details. Your name, email address and phone number when you fill in a form, call or text.
Entity and guarantor information. The legal name and tax identification number of your business entity, each owner's name, email address and ownership percentage, and who will sign as guarantor.
Citizenship and home address. We collect citizenship and home address at launch, from the applicant, because they decide which programs apply and are needed for underwriting.
Property and deal details. The address, price, rehab budget, value, rent and the other numbers you give us about a property.
Documents you upload. Contracts, statements, entity documents and similar files.
Estimator inputs. The numbers you type into a calculator. Deal figures travel in the page address; credit and experience figures stay in your browser and are not sent to us unless you choose to send them.
Technical and usage information. Your IP address and browser type, the pages you visit and how you reached the site, as described under Cookies.

Social Security numbers and dates of birth are collected only at the credit-authorization step, once that step is available online; until then they are collected by phone with your authorization.

We do not ask for bank account numbers or card numbers on this site.

Your account and applications

When you save an application or sign in, you have an account on this site. This is what it holds and what you can do with it.

Your account. The email address you sign in with and, if you add them in settings, your name and phone number.
Each application. The property, the deal and your business entity's details; each owner's name, email address and ownership share; your citizenship, home address and estimated credit score; for a rental loan, how many rental properties you own and whether you have had a bankruptcy, foreclosure, deed-in-lieu or short sale; and your experience with past projects.
Documents and photos. The files you upload with an application or send with a request, including photos of the work for a draw, are kept in private storage. Tyler opens them through links that expire after 10 minutes.
Your business tax ID. It is encrypted when we store it, and the site shows it back to you only as its last four digits. Each time staff view the full number, we record who viewed it and when.
Your signed authorization. When you sign the authorization in the application, we keep the words you were shown, the name you typed, the time, your IP address and your browser type.
What you send Tyler. Notes and documents you send him from your account once your application is in review, and draw, payoff and extension requests after your loan funds. A draw request also holds the name and phone number of the person who can take photos of the work or let the inspector in.
Emails from your account. A sign-in email with a link and a code when you ask for one, a confirmation when you submit an application, an email each time the status of an application changes or Tyler submits one of your requests for processing, and one reminder if a draft goes 7 days without activity, including an application Tyler has reopened for changes. We do not send marketing emails.
Drafts you never submit. A draft you never submit is deleted, with its documents, after 180 days without activity.
Changing your details. You can change your name, phone number and sign-in email in settings. A new sign-in email takes effect only once both the old and the new address confirm it, each by the button in its email or by typing that email's code into settings.
Deleting and withdrawing. The "Delete draft" button removes a draft you have not submitted, and its documents, straight away. While Tyler is reviewing an application you submitted, "Withdraw application" withdraws it; he is told, and the application goes no further. A withdrawn application is kept as described under "How long we keep it".
Asking us to delete your data. The "Ask us to delete my data" button in settings sends Tyler your request. He confirms with you before anything is deleted, and we keep only what the law or an active loan requires.

Guarantors and identity details

When an application names another owner as a guarantor, that person signs the credit authorization and gives their own details through a private link. This is how that works and what we keep.

Your private link and its code. When the applicant (or Tyler) asks, we email you a private link; replies go to our contact address. When you open it, we email you a code. Until you enter that code, the page shows only your first name, the applicant's name, the loan program and the city and state of the property; nothing else about the application or about you is shown.
The details you enter yourself. You enter your own phone number, citizenship, home address, estimated credit score, experience with past projects and whether you hold a license, and, for a rental loan, how many rental properties you own and whether you have had a bankruptcy, foreclosure, deed-in-lieu or short sale. They go to Tyler, and with the application to underwriting as described under "Who we share it with", but the applicant never sees them.
Your signed authorization. When you sign, we keep a record of the words you were shown, the name you typed, the time, your IP address and your browser type.
Your date of birth. You enter it only on a private screen after you have entered the code. It is encrypted when we store it. Tyler sees it only when he asks to, and we record each view, with who viewed it and when. It is used only to order your credit report. It is deleted one day after it reaches underwriting, and in any case 30 days after it is entered.
If you are also the applicant. If you are the applicant and also a guarantor, you enter your date of birth on a private screen in your own application, not through an emailed code.
Social Security numbers. We ask for a Social Security number online only if underwriting requires one, and on the same terms as a date of birth: entered only on the private screen, encrypted when stored, shown to Tyler only on request with each view recorded, used only to order the credit report and deleted on the same schedule.

How we use it

To answer your questions and tell you which program fits your deal.
To size your deal, prepare your application and submit it for underwriting.
To order the credit and background reports you authorize.
To keep your application, documents and loan status in one place for you.
To send the messages you ask for, and notices about your loan.
To keep the site secure, prevent abuse and understand which pages are useful.
To meet legal and regulatory obligations.

We do not sell your personal information.

When we review your request, what you submitted goes to our underwriting, closing and servicing providers and their appraisal, insurance and credit vendors. Each guarantor's credit and background report is requested only once that guarantor has signed the credit authorization.

We also use service providers that host this site, send our email and measure how it is used. They may handle your information only to do that work for us.

We may disclose information when the law requires it, to protect our rights or the safety of others, or in a sale or reorganization of our business, with notice to you where the law requires it.

Cookies

Session cookie. If you sign in to your account, we set a first-party cookie that keeps you signed in. It is needed for the account to work and ends when you sign out or the session expires.
First-touch cookie, lhf_ft. The first time you arrive, we set a first-party cookie that lasts 90 days. It holds the marketing details of the link you arrived on (source, medium, campaign and similar tags, and an advertising click identifier if the link carried one), the page you landed on, the site you came from without its query, and the time. We use it only to learn which of our channels brought a borrower to us, and we attach it to a form you send. It is never shared with an advertiser. You can delete it in your browser settings; the site works without it.
Analytics. Our analytics are cookieless: they count visits and page views without setting a cookie or tracking you across sites, and they carry no personal information.
No third-party advertising cookies. We do not place advertising or retargeting cookies, and we do not share your visits with advertising networks.

Phone and text contact

When a form has a phone field, an optional box beside it reads: You may text me at this number about my inquiry. Message and data rates may apply. Reply STOP to stop.

What "OK to text me" means. If you check the box, Tyler may text you about your inquiry at that number. If you leave it unchecked, he will call only. The form works either way, and agreeing to texts is never a condition of getting a loan.
Who texts you. Tyler texts from his own phone. We do not send automated or bulk texts, and we do not use a texting system.
Stopping texts. Reply STOP to any text and Tyler will honour it personally; you can also call 408-459-8133. Message and data rates may apply.
Records. We keep a record of the box you checked, the wording shown, the date and time, your IP address and browser type.

How long we keep it

These periods are placeholders for the attorney to confirm before this page goes live.

Application drafts you have not submitted: deleted after 180 days without activity.
Submitted applications and their documents: kept for 7 years after funding, and 2 years if the application is declined or withdrawn.
Leads and inquiries: 2 years.
Assistant chat transcripts, with personal details masked: 90 days.
Audit records of who did what in our systems: 7 years.
Dates of birth, and Social Security numbers if they are ever collected online: deleted one day after they reach underwriting, and in any case 30 days after they are entered.

If you ask us to delete your information, we will do so except for records the law or an active loan requires us to keep.

California residents

If you are a California resident, including a California-resident guarantor on a business entity's loan, you may ask us what personal information we have collected about you, ask us to correct or delete it, and ask us not to sell or share it. We do not sell or share personal information for advertising. We will not treat you differently for making a request. To make a request, call 408-459-8133 or write to tyler.hall@longhallfinancial.com; we may need to confirm who you are first.

Security

We use encryption in transit, encrypt sensitive fields such as tax identification numbers where we store them, limit staff access to what the work needs, and keep a record of who views sensitive information. No system is perfectly secure, so please do not send us anything sensitive by ordinary email or text.

Children

This site is for businesses and the investors who run them. It is not meant for anyone under 18, and we do not knowingly collect information from children.

Changes

If we change this policy, we will post the new version here with a new date. If a change is material, we will tell you in the account area or by email.

Contact

Tyler Hall, Managing Member, Long Hall Financial. Phone 408-459-8133. Email tyler.hall@longhallfinancial.com.