Privacy Policy
Effective Date: 7/25/2025
Par Rate Mortgage, Inc. / ZenLoanz.com (“Company,” “we,” “us,” or “our”) values your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with the California Consumer Privacy Act (CCPA) and other applicable privacy laws. If you are a California resident, you are entitled to specific disclosures and rights under California law.
1. Who We Are
Par Rate Mortgage, Inc., operating online as ZenLoanz.com, is a California-licensed mortgage brokerage that connects borrowers with mortgage loan options through third-party lenders. We do not fund, service or underwrite loans.
2. Information We Collect
We may collect the following categories of personal information when you visit our website or submit a loan inquiry:
- Personal Identifiers
- Name
- Email address
- Phone number
- Mailing address
- Financial & Employment Data (voluntarily submitted)
- Employment status
- Income details
- Estimated credit score range
- Loan amount or property value
- Uploaded documents (e.g., pay stubs, bank statements, ID)
- Internet & Technical Data
- IP address
- Browser type and version
- Pages visited and time spent
- Device information
- Cookies and similar technologies
3. How We Collect Information
We collect information through:
- Online forms you complete
- Communication with us via phone, email, or chat
- Automated tracking tools (cookies, analytics)
4. How We Use Your Information
We use your personal information to:
- Evaluate and respond to your mortgage inquiry
- Match you with loan options or refer your request to licensed lenders
- Communicate with you via email, text, or phone (if you opt in)
- Maintain internal records and fulfill legal requirements
- Analyze website performance and user trends
- Prevent fraud and maintain website security
5. How We Share Your Information
We do not sell or rent your personal information. We may share your data with:
Licensed lenders or mortgage professionals only when you consent to be referred
- Third-party service providers (e.g., email systems, web hosting, analytics tools) under confidentiality agreements
- Legal authorities when required to comply with applicable law, subpoena, or regulatory obligations
- We do not share your information with marketing agencies or data brokers.
6. Your Rights Under the California Consumer Privacy Act (CCPA)
If you are a California resident, you have the following rights:
- Right to Know
You have the right to request what personal information we have collected about you, including:
- Categories of personal info collected
- Sources of that information
- Business purpose for collecting
- Categories of third parties with whom it is shared
Right to Delete
- You may request we delete your personal information, subject to exceptions (e.g., required for legal obligations or loan processing).
Right to Opt-Out of Sale
- We do not sell your information. However, we are still required to disclose this and honor the opt-out rights.
Right to Non-Discrimination
- We will not discriminate against you for exercising your rights under the CCPA.
Exercising Your CCPA Rights
To make a request related to your personal data:
- Email: customerservice@parratemortgage.com
- Call: (415) 828-1128
- Mail:
- Par Rate Mortgage, Inc. / ZenLoanz.com
- 820 Stanton Rd. #4372
- Burlingame, CA 94011
We will verify your identity before fulfilling your request and respond within the timeframes required by California law.
Third-Party Sites
Our website may contain links to third-party websites (e.g., lender portals). We are not responsible for the privacy practices or content of those external websites.
Security Practices
We implement reasonable administrative, physical, and technical safeguards to protect your information. These include secure data transmission (SSL), firewalls, access restrictions, and employee confidentiality agreements.
While no online system can be 100% secure, we take your privacy seriously and continually monitor our systems to minimize risk.
Cookies and Tracking Tools
We use cookies, tracking pixels, and analytics tools (like Google Analytics) to:
- Analyze site usage
- Personalize content
- Improve user experience
You can disable cookies in your browser settings, but doing so may affect website functionality.
Children’s Privacy
Our website is intended for individuals over the age of 18. We do not knowingly collect personal data from children under 13.
GLBA Disclaimer
We act as a mortgage broker and do not service and underwrite loans. Therefore, GLBA privacy notices and opt-out forms will be provided directly by the lender with whom you proceed. We do not share your information outside of facilitating your request.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any updates will be posted on this page with the “Effective Date” at the top. We encourage you to check this policy periodically.
Contact Us
If you have any questions about this Privacy Policy or how your data is handled, you can contact us: