Privacy Policy

Effective Date: April 5, 2026

This Privacy Policy describes how Tim Popp, Branch Manager at West Capital Lending (“we,” “us,” or “our”), collects, uses, shares, and protects personal information gathered through timpopploans.com (the “Site”). By using this Site, you agree to the terms of this Privacy Policy.

1. Who We Are

Tim Popp is a licensed Mortgage Loan Originator operating as a Branch Manager at West Capital Lending.

• Tim Popp — NMLS #2039627 | CA DRE #02426959
• West Capital Lending — NMLS #1566096 | CA DRE #02022356
• Address: 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084
• Email: tpopp@westcapitallending.com
• Phone: 949-379-1191

We are licensed to originate mortgage loans in 36 states and Washington, D.C. Licensing details are available at the NMLS Consumer Access website.

2. Information We Collect

We collect personal information when you voluntarily submit it through our Site, as well as automatically through standard web technologies.

2a. Information You Provide Directly

• Contact Forms: Name, email address, phone number, loan type of interest, estimated loan amount, and any goals or messages you include.
• Mortgage IQ Quiz: Name, email address, phone number, and your responses to quiz questions regarding your financial and loan situation.

2b. Information Collected Automatically

• Google Analytics 4 (GA4): We use Google Analytics to understand how visitors use our Site. GA4 collects data such as pages visited, time on site, referral source, device type, and general geographic location. This data is aggregated and does not personally identify you unless linked to other information you provide. Google’s data practices are governed by Google’s Privacy Policy.
• Cookies and Session Data: Our Site uses cookies to manage your session and improve user experience. See Section 7 (Cookie Policy) for details.
• Log Data: Our web server may automatically record information such as your IP address, browser type, operating system, and pages viewed.

3. How We Use Your Information

We use the personal information you provide for the following purposes:

• To contact you regarding your mortgage inquiry, including by phone, email, or SMS.
• To process and evaluate your loan inquiry and connect you with appropriate loan products.
• To provide educational content and mortgage resources relevant to your stated goals.
• To send marketing communications about mortgage products, rates, or services that may be of interest to you (you may opt out at any time).
• To improve our Site by analyzing usage patterns through analytics data.
• To comply with legal obligations applicable to mortgage loan originators and financial institutions.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

We may share your information in the following limited circumstances:

• West Capital Lending: As your Branch Manager’s employing lender, West Capital Lending (NMLS #1566096) may receive your information to process your loan inquiry, underwrite, and originate your mortgage loan.
• Loan Processing Partners: We may share information with title companies, appraisers, credit bureaus, and other service providers as required to process a loan transaction you initiate.
• Technology Service Providers: We use third-party platforms (such as form processing and CRM tools) that may process your data on our behalf, subject to data processing agreements.
• Legal Compliance: We may disclose information if required by law, regulation, court order, or government authority, or to protect the rights and safety of our business and users.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. GLBA Notice — Gramm-Leach-Bliley Act

As a mortgage loan originator, we are subject to the Gramm-Leach-Bliley Act (GLBA), which governs how financial institutions handle nonpublic personal information (NPI).

• We collect NPI only as necessary to provide financial services you request.
• We do not share NPI with nonaffiliated third parties for their independent marketing without your consent, except as permitted by law (e.g., for loan processing, legal compliance, or fraud prevention).
• You have the right to opt out of certain information sharing with nonaffiliated third parties. To exercise this right, contact us at the information in Section 11.
• We maintain physical, electronic, and procedural safeguards that comply with GLBA requirements to protect NPI.

6. California Residents — CCPA Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) regarding your personal information.

Your CCPA Rights Include:

• Right to Know: You may request a disclosure of the categories and specific pieces of personal information we have collected about you, the sources, the purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions (such as completing a transaction or complying with legal obligations).
• Right to Opt-Out of Sale: We do not sell personal information. However, you may contact us to confirm this and to request any applicable opt-out.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

How to Submit a CCPA Request

To exercise your CCPA rights, contact us at:

• Email: tpopp@westcapitallending.com
• Phone: 949-379-1191

We will respond to verifiable consumer requests within 45 days as required by law.

7. Cookie Policy

Cookies are small text files placed on your device when you visit our Site. We use the following types of cookies:

• Session Cookies: Temporary cookies that expire when you close your browser. Used to maintain your session as you navigate the Site.
• Analytics Cookies (GA4): Google Analytics 4 uses cookies to collect aggregate usage data. These cookies help us understand how visitors interact with our content. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-On.

Most web browsers allow you to control cookies through browser settings. Disabling cookies may affect the functionality of some features on our Site.

8. Data Security

We implement industry-standard security measures to protect your personal information, including:

• SSL/TLS encryption for data transmitted through the Site.
• Restricted access to personal information on a need-to-know basis.
• Use of reputable, security-vetted third-party service providers.
• Regular review of our data collection and storage practices.

No method of electronic transmission or storage is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of your information.

9. Children’s Privacy

This Site is intended for adults seeking mortgage financing. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has submitted personal information through our Site, please contact us immediately and we will take steps to remove such information.

10. Your Rights to Update or Delete Your Information

You have the right to request access to, correction of, or deletion of the personal information we hold about you. To make such a request, contact us using the information in Section 11. We will respond within a reasonable timeframe and in accordance with applicable law.

Please note that certain information may be retained as required by law or for legitimate business purposes (such as mortgage record-keeping requirements).

11. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal information, please contact:

• Tim Popp, Branch Manager — West Capital Lending
• Address: 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084
• Email: tpopp@westcapitallending.com
• Phone: 949-379-1191

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised effective date. We encourage you to review this page periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

Last updated: April 5, 2026