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CALABRIA CAPITAL

General Privacy Policy

Last Updated: June 2026

This Privacy Policy explains how we collect, use, store, and protect your personal and financial information. It applies to all data gathered through our website forms, emails, phone calls, and loan applications to secure a commercial mortgage for your investment property.

1. Information We Collect

To evaluate your scenario and secure a commercial loan from our lending network, we collect several types of information:

    • Contact Information: Your name, phone number, email address, and mailing address.
    • Financial & Credit Data: Social Security Numbers (SSN), government-issued ID copies, credit scores, bank statements, asset and liability statements, tax returns, and entity documents (LLC or corporate filings).
    • Property & Transaction Data: Target property addresses, purchase contracts, leases, rent rolls, and property photos or appraisals.
    • Background Data: Real estate investment experience levels and background information required by commercial lenders.

2. How We Collect Your Information

We collect data through secure and transparent methods, including:

    • Online Forms: Information you type into our website scenario questionnaires or contact forms.
    • Direct Communication: Information you share via email, phone consultations, or text messages.
    • Document Uploads: Full loan application packages and supporting financial files you send to our desk.

3. Why We Use Your Information

We use your data strictly to operate our commercial mortgage brokerage and complete the task of securing a loan for you. This includes:

    • Building your secure investor profile in our systems.
    • Underwriting, deal sizing, and analyzing your real estate transaction.
    • Matching your scenario with specific risk tiers and loan programs.
    • Communicating updates, indicative rate matrices, and loan terms.

4. How We Share Your Information

We only share your data with parties directly necessary to secure your commercial financing.

    • With Commercial Lenders: We submit your project scenarios and financial packages to our network of commercial banks, credit unions, and private lenders to obtain loan offers.
    • With Deal Professionals: We may share relevant details with appraisers, title companies, or escrow agents to close your loan.
    • No Selling of Data: We strictly not sell, rent, trade, or distribute your personal data, email, or project parameters to external marketing companies or third-party list brokers.
    • Legal Disclosures: We will only disclose information to government or law enforcement agencies if required by federal or state laws.

5. Data Storage and Security

We take data protection seriously and follow strict security practices to safeguard your sensitive commercial loan files:

    • Secure Cloud Storage: All digital files, applications, and contact details are stored in an encrypted cloud database system with multi-factor authentication (MFA).
    • Restricted Access: Your data is accessible only by authorized underwriting personnel working directly on your loan file.
    • Physical Security: Any physical papers are kept in locked storage and destroyed using a high-security shredder when no longer needed.

6. Cookies and Tracking Tools

Our website may use cookies and basic analytical tools (like Google Analytics) to monitor website traffic, optimize performance, and improve user experience. These tools collect technical data like your IP address and browsing behavior, but do not collect your personal financial files. You can disable cookies at any time through your browser settings.

7. Data Retention and Your Right to Request Deletion

To better serve our repeat clients, we retain your contact information, loan applications, and scenario profiles by default. Many of our clients return years later for new property acquisitions or refinances, and keeping this data on file allows us to restart your loan process quickly and efficiently.

However, you retain ultimate control over your data. If you prefer that we do not keep your files long-term, you may request a deletion under the following terms:

    • How to Request Deletion: You must contact our desk directly by sending an email or using our official contact channels listed below to request that we delete your personal information.
    • What We Can Delete: Upon direct request, we will permanently purge your sensitive records—including SSNs, government ID copies, and application forms—from our active internal databases.
    • Compliance Exceptions: Please note that we cannot delete records that we are legally required to keep for federal, state, or regulatory financial auditing compliance. These specific files will be securely archived and automatically destroyed once the legal retention period ends.

8. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in privacy laws or our business practices. We will post the revised date at the top of this page.

9. Contact Us

If you have any questions about this Privacy Policy or wish to request the deletion of your data, please contact our desk directly:

    • Company Name: Calabria Capital LLC
    • Email Address: Compliance@calcapusa.com
    • Phone Number: (737) 282-7656
    • Mailing Address: 2186 Jackson Keller Rd. Box 635, San Antonio, TX 78213