Privacy Policy

This Privacy Policy explains how Golden Bay Mortgage Group collects, uses, maintains, protects, and discloses information collected from users of https://www.nickslending.com and related services, including website forms, mortgage inquiry forms, email communication, phone calls, and SMS/text messaging programs.

Golden Bay Mortgage Group is licensed to do business in the State of California. NMLS #1403489 | DRE 01989440 | CA DBO 60DBO-160366.

Information We Collect

We may collect personal identification information from users in several ways, including when users visit our website, complete a form, apply online, request information, subscribe to updates, communicate with us, or otherwise interact with our services.

Information we may collect includes:

• Name
• Email address
• Phone number
• Mailing address
• Property information
• Mortgage inquiry details
• Loan purpose
• Communication preferences
• Information voluntarily submitted through forms or applications

Users may visit our website anonymously. We collect personal information only when users voluntarily provide it or when collection is necessary to provide requested services.

Non-Personal Information

We may collect non-personal information when users interact with our website. This may include browser type, device type, operating system, internet service provider, referring pages, pages viewed, time spent on the site, and other technical information.

Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve user experience, analyze website traffic, remember preferences, and support website functionality. Users may set their browser to refuse cookies or alert them when cookies are being sent. Some parts of the website may not function properly if cookies are disabled.

How We Use Information

Golden Bay Mortgage Group may use collected information to:

• Respond to inquiries and service requests
• Provide mortgage-related information requested by users
• Process applications or connect users with loan-related resources
• Improve customer service
• Personalize user experience
• Improve our website, products, and services
• Send requested updates, reminders, or service-related communications
• Send email or SMS communications when users have opted in
• Comply with legal, licensing, regulatory, and business obligations
• Protect against fraud, unauthorized activity, or misuse of our services

Email Communications

If a user opts in to receive email communication, we may send emails that include company updates, mortgage information, market updates, service information, or other related content. Users may unsubscribe from future email communications by following the unsubscribe instructions included in the email or by contacting us.

SMS/Text Messaging Privacy

Golden Bay Mortgage Group may offer SMS/text messaging programs for users who opt in to receive text messages. Messages may include mortgage market updates, rate movement summaries, appointment-related messages, service updates, and professional communication related to mortgage advisory services.

SMS consent is not a condition of purchasing any goods or services.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be sold, rented, shared, or disclosed to third parties or affiliates for their own marketing or promotional purposes.

We may share SMS-related information with service providers, carriers, messaging aggregators, and technology vendors only as necessary to deliver text messages, operate the messaging program, maintain records, comply with law, or protect the security and integrity of our services.

Users may opt out of SMS messages at any time by replying STOP. Users may reply HELP for assistance. Message and data rates may apply. Message frequency may vary.

How We Protect Information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction.

However, no method of transmission over the internet, email, mobile networks, or electronic storage is completely secure. Users should not send sensitive personal information, Social Security numbers, account numbers, passwords, income documents, or private loan documents by SMS text message.

Sharing Personal Information

We do not sell personal information.

We may share information only as reasonably necessary with:

• Mortgage lenders, investors, settlement service providers, and related parties when needed to provide requested mortgage services
• Technology providers, website providers, CRM providers, communication providers, and other vendors who help operate our business
• Regulatory, legal, or governmental authorities when required by law
• Professional advisors, compliance consultants, or service providers assisting our business operations
• Other parties with the user’s consent or at the user’s direction

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not share mobile opt-in data or SMS consent with third parties or affiliates for marketing or promotional purposes.

Third-Party Websites

Users may find links on our website to third-party websites or services. We do not control the content, privacy policies, or practices of third-party websites. Browsing and interaction on any third-party website is subject to that website’s own terms and policies.

Online Applications and Third-Party Tools

Our website may include links to online application platforms, mortgage tools, calculators, or third-party service providers. Information submitted through those platforms may be governed by the privacy policies and terms of the applicable provider in addition to this Privacy Policy.

Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect or maintain personal information from children under 13. If we become aware that information from a child under 13 has been collected, we will take reasonable steps to delete it.

California Privacy Notice

California residents may have certain rights regarding personal information under applicable California privacy laws. Depending on the nature of the information and applicable legal exceptions, these rights may include the right to request access to personal information, request correction, request deletion, and request information about how personal information is used or disclosed.

To submit a privacy request, contact us at:

We may need to verify your identity before processing a request.

Changes to This Privacy Policy

Golden Bay Mortgage Group may update this Privacy Policy at any time. When we do, we will revise the “Last updated” date at the top of this page. We encourage users to review this page periodically to stay informed about how we protect the information we collect.

Your Acceptance of This Policy

By using this website or submitting information to Golden Bay Mortgage Group, you signify your acceptance of this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the website or submit information through it.

Contact Us

If you have questions about this Privacy Policy, the practices of this website, or your dealings with Golden Bay Mortgage Group, please contact us at: