Effective Date: July 18, 2026
Last Updated: July 18, 2026
Synergy Financial Partners respects your privacy and is committed to handling personal information responsibly.
This Privacy Policy explains how Synergy Financial Partners, referred to as “Synergy,” “we,” “us,” or “our,” collects, uses, retains, discloses, and protects personal information when you:
- Visit synergylenders.com
- Submit an inquiry
- Request information about financing
- Begin or complete an application
- Upload documents
- Communicate with a loan officer or representative
- Request an investment consultation
- Access an online portal
- Otherwise interact with Synergy’s website or services
This Policy applies to information collected through the website and related online interactions.
Additional federal or state financial privacy notices may apply when you apply for or obtain a financial product or service. Where a separate privacy notice, application disclosure, loan document, investment document, or contractual privacy provision applies, that document may supplement or control over this Policy for the applicable information or relationship.
1. Information We Collect
The information Synergy collects depends on how you interact with the website and the services you request.
A. Identification and Contact Information
We may collect:
- Full name
- Previous name
- Date of birth
- Mailing address
- Residential address
- Property address
- Email address
- Telephone number
- Preferred communication method
- Government-issued identification information
- Signature
- Business contact information
B. Application and Transaction Information
We may collect information relating to a proposed or existing financing transaction, including:
- Requested loan amount
- Loan purpose
- Property type
- Property value
- Purchase price
- Existing liens
- Mortgage balances
- Down payment
- Loan-to-value information
- Loan-to-cost information
- Construction costs
- Development budgets
- Project timelines
- Property income and expenses
- Rent rolls
- Purchase agreements
- Leases
- Appraisals
- Title information
- Escrow information
- Insurance information
- Environmental reports
- Engineering reports
- Inspection reports
- Transaction history
- Closing information
C. Financial Information
Where necessary to evaluate or process a transaction, we may collect:
- Income information
- Employment information
- Business revenue
- Assets
- Liabilities
- Bank-account information
- Bank statements
- Tax returns
- Financial statements
- Profit-and-loss statements
- Balance sheets
- Debt schedules
- Liquidity information
- Source-of-funds information
- Credit history
- Credit scores
- Payment history
- Bankruptcy, foreclosure, or short-sale information
- Other financial information
D. Business and Ownership Information
For business or entity applicants, we may collect:
- Legal business name
- Trade names
- Business address
- Employer identification number
- Formation documents
- Ownership structure
- Beneficial-owner information
- Officer and manager information
- Operating agreements
- Corporate resolutions
- Partnership agreements
- Trust documents
- Licenses
- Business experience
- Project experience
E. Construction and Development Information
For construction or development transactions, we may collect:
- Construction plans
- Permits
- Budgets
- Draw schedules
- Contractor information
- Subcontractor information
- Project photographs
- Project reports
- Cost estimates
- Completion schedules
- Inspection results
- Lien releases
- Change orders
- Construction experience
- Other project information
F. Investment-Related Information
Where you request information about an investment opportunity, we may collect:
- Investment interests
- Investment objectives
- Investment experience
- Accreditation information
- Income or net-worth information
- Entity information
- Beneficial ownership
- Tax forms
- Subscription documents
- Funding information
- Investor questionnaires
- Compliance and identity-verification information
Investment eligibility and accreditation may be verified through Synergy or an authorized third party.
G. Communications
We may collect and retain:
- Emails
- Text messages
- Telephone-call information
- Voicemails
- Website-form submissions
- Meeting notes
- Customer-service records
- Application-status communications
- Document requests
- Complaints
- Marketing preferences
- Other communications with Synergy
Telephone calls may be monitored or recorded where permitted by law and after any required notice or consent.
H. Information Collected Automatically
When you visit the website, Synergy and its technology providers may automatically collect:
- Internet Protocol address
- Browser type
- Device type
- Operating system
- Device identifiers
- Approximate location derived from an IP address
- Referring website
- Pages visited
- Links selected
- Files downloaded
- Forms started or completed
- Dates and times of visits
- Time spent on pages
- Cookie identifiers
- Website interaction information
- Error information
- Security events
- Network information
- Fraud-prevention information
I. Information from Other Sources
We may obtain information from:
- Applicants
- Co-borrowers
- Guarantors
- Business partners
- Property owners
- Brokers
- Contractors
- Accountants
- Attorneys
- Lenders
- Investors
- Banks
- Credit-reporting agencies
- Identity-verification providers
- Fraud-prevention providers
- Public records
- Government agencies
- Title and escrow companies
- Appraisers
- Inspectors
- Insurance providers
- Marketing and referral sources
- Affiliates
- Other transaction participants
2. How We Use Personal Information
Synergy may use personal information to:
- Respond to inquiries
- Identify potentially suitable financing programs
- Process applications
- Evaluate borrower or guarantor eligibility
- Verify identity
- Verify income, employment, assets, ownership, and liabilities
- Obtain or review credit information where authorized
- Conduct fraud, sanctions, and compliance screening
- Evaluate property and project information
- Package and present transactions
- Submit transactions to lenders or investors
- Perform underwriting
- Coordinate appraisals, inspections, title, escrow, and closing
- Prepare term sheets, proposals, disclosures, and transaction documents
- Facilitate loan funding
- Administer or service transactions
- Communicate application status
- Request missing documents
- Provide customer support
- Process payments and fees
- Maintain records
- Manage online accounts and portals
- Evaluate accredited-investor eligibility
- Provide investment-related information
- Protect Synergy, applicants, lenders, investors, and other parties
- Detect and prevent fraud, identity theft, misuse, and security incidents
- Comply with federal and state laws
- Respond to subpoenas, court orders, audits, and regulatory requests
- Establish, exercise, or defend legal claims
- Improve the website, products, and services
- Analyze website traffic and performance
- Send service-related communications
- Send marketing communications where permitted
- Evaluate or complete a merger, acquisition, financing, restructuring, or transfer of assets
We may use information for other purposes disclosed at the time of collection or with your consent.
3. Nonpublic Personal Information and Financial Privacy
Information collected in connection with an application for or provision of a financial product or service may constitute nonpublic personal information under federal or state financial privacy laws.
Where applicable, Synergy will provide a separate financial privacy notice describing:
- The categories of nonpublic personal information collected
- The categories of affiliated and nonaffiliated parties with which information may be shared
- The purposes of the sharing
- Available opt-out rights
- How to exercise those rights
- Synergy’s information-security practices
The rights and disclosures in a separate financial privacy notice may differ from this general website Privacy Policy.
4. How We Disclose Personal Information
Synergy may disclose personal information to the following categories of recipients.
A. Lenders, Banks, Funds, and Investors
We may provide application and transaction information to prospective or participating:
- Banks
- Credit unions
- Private lenders
- Institutional lenders
- Mortgage funds
- Investors
- Loan purchasers
- Servicers
- Financing companies
This disclosure may be necessary to identify financing options, obtain preliminary interest, conduct underwriting, approve a transaction, fund a loan, or administer a financial product.
B. Transaction and Professional Service Providers
We may disclose information to:
- Loan processors
- Underwriters
- Appraisers
- Title companies
- Escrow companies
- Attorneys
- Accountants
- Insurance companies
- Inspectors
- Engineers
- Environmental consultants
- Construction-control providers
- Document-preparation providers
- Notaries
- Closing agents
- Payment processors
- Other transaction professionals
C. Verification and Compliance Providers
We may disclose information to providers that assist with:
- Credit reports
- Identity verification
- Employment verification
- Income verification
- Asset verification
- Fraud prevention
- Anti-money-laundering review
- Sanctions screening
- Background checks
- Public-record searches
- Electronic signatures
- Document authentication
- Cybersecurity
D. Technology and Operational Providers
We may disclose information to companies that provide:
- Website hosting
- Cloud storage
- Customer relationship management systems
- Loan origination systems
- Email services
- Telephone services
- Text-messaging services
- Document-management systems
- Electronic-signature platforms
- Analytics
- Data backup
- Cybersecurity
- Technical support
- Marketing support
- Appointment scheduling
E. Affiliates
We may disclose information to affiliated businesses that provide financing, investment, energy, construction, administrative, marketing, consulting, or operational services.
Information shared with affiliates remains subject to applicable privacy laws and any applicable financial privacy notice.
F. Legal and Government Recipients
We may disclose information where reasonably necessary to:
- Comply with law
- Respond to a subpoena or court order
- Respond to a government or regulatory request
- Investigate fraud
- Enforce an agreement
- Protect legal rights
- Protect the safety of a person
- Prevent financial crime
- Address a cybersecurity incident
- Comply with record-retention requirements
G. Business Transaction Recipients
We may disclose information in connection with a proposed or completed:
- Merger
- Acquisition
- Investment
- Financing
- Restructuring
- Bankruptcy
- Sale of assets
- Transfer of servicing rights
- Transfer or sale of a loan or investment portfolio
H. Parties You Authorize
We may disclose information to another person or organization when you request, direct, or authorize us to do so.
5. Credit Reports and Consumer Reports
Synergy will obtain a consumer credit report or other consumer report only where legally permitted and after obtaining any required authorization.
Credit reports and consumer reports may be used to:
- Evaluate an application
- Confirm identity
- Assess creditworthiness
- Verify information
- Prevent fraud
- Service or review an account
- Comply with legal requirements
Credit-reporting agencies are independent organizations and maintain their own privacy practices.
6. Sensitive Personal Information
Depending on the requested service, Synergy may collect sensitive personal information such as:
- Social Security number
- Driver’s license or identification number
- Passport information
- Financial-account information
- Login credentials for authorized verification services
- Precise financial information
- Tax information
- Beneficial-owner information
- Information concerning citizenship or immigration status where relevant to a lawful financing program
Synergy uses sensitive personal information only for purposes reasonably necessary to provide requested financial services, verify identity, prevent fraud, comply with law, process transactions, maintain security, or perform other legally permitted functions.
Synergy does not use sensitive personal information to infer personal characteristics for unrelated advertising purposes.
Do not send sensitive documents through ordinary email unless instructed to do so through an approved secure process.
7. Cookies and Similar Technologies
The website may use cookies, pixels, scripts, local storage, tags, and similar technologies.
These technologies may be used for:
- Website operation
- Security
- Fraud detection
- Session management
- Form functionality
- Remembering preferences
- Traffic measurement
- Website analytics
- Performance monitoring
- Marketing measurement
Cookies may include:
Essential Cookies
Necessary for website operation, security, forms, and account access.
Preference Cookies
Used to remember choices and settings.
Analytics Cookies
Used to understand website traffic, page views, downloads, and visitor interactions.
Marketing Cookies
Used, where enabled and legally permitted, to measure campaigns or provide more relevant advertising.
You may manage cookies through your browser settings and any cookie-management tool made available on the website.
Blocking cookies may affect website features or functionality.
8. Sale, Sharing, and Targeted Advertising
Synergy does not sell personal information in exchange for money.
Synergy may use analytics, marketing, or advertising technologies that disclose online identifiers or website activity to third parties.
Certain state privacy laws may define some of these disclosures as “selling,” “sharing,” or processing for targeted advertising even where no money is exchanged.
Where applicable, you may request to opt out of such activity by:
- Using any cookie-preference or “Do Not Sell or Share My Personal Information” control provided on the website
- Enabling a legally recognized universal opt-out preference signal
- Contacting Synergy using the information at the end of this Policy
Synergy does not knowingly sell or share the personal information of individuals under 16 years of age.
9. Global Privacy Control and Do Not Track
Where required by applicable law, Synergy will process legally recognized universal opt-out preference signals, such as Global Privacy Control, as requests to opt out of covered sales, sharing, or targeted advertising.
Ordinary browser “Do Not Track” signals are not governed by a consistent industry standard. The website may not respond to ordinary Do Not Track signals unless legally required.
10. Marketing Communications
Synergy may send marketing communications concerning:
- Financing programs
- Loan products
- Investment opportunities
- Energy financing
- Equipment financing
- Company news
- Events
- Industry information
- Related services
You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting Synergy.
Unsubscribing from marketing does not prevent Synergy from sending nonmarketing communications relating to:
- An inquiry
- An application
- A document request
- A transaction
- An account
- A legal notice
- A security matter
- An existing business relationship
Marketing text messages or automated marketing calls will be sent only where permitted by law and after obtaining any required consent.
Consent to marketing is not a condition of obtaining financing.
11. Data Retention
Synergy retains personal information for as long as reasonably necessary to:
- Respond to inquiries
- Evaluate and process applications
- Complete or service transactions
- Maintain loan, investment, and business records
- Comply with financial-services regulations
- Satisfy tax, accounting, audit, and reporting requirements
- Maintain evidence of authorizations and disclosures
- Prevent fraud
- Resolve disputes
- Enforce agreements
- Protect legal rights
- Meet contractual obligations
Retention periods vary depending on the nature of the information, the transaction, the customer relationship, and applicable legal requirements.
Information may be retained after an application is withdrawn, denied, canceled, or completed where required or permitted by law.
When information is no longer reasonably required, Synergy may delete, destroy, anonymize, or aggregate it.
12. Information Security
Synergy uses reasonable administrative, technical, and physical safeguards designed to protect personal information.
Safeguards may include:
- Access controls
- Authentication procedures
- Secure portals
- Encryption where appropriate
- Vendor-management procedures
- Staff training
- Security monitoring
- Data backups
- Incident-response procedures
- Physical security
- Record-disposal procedures
No website, email system, data transmission, or storage platform can be guaranteed to be completely secure.
You should protect account credentials, use secure devices, and promptly notify Synergy if you suspect unauthorized access or identity theft.
13. Your Privacy Rights
Depending on your state of residence and applicable law, you may have the right to:
- Know whether Synergy processes your personal information
- Request access to personal information
- Request categories of information collected
- Request categories of sources
- Request purposes for collection or use
- Request categories of recipients
- Request correction of inaccurate information
- Request deletion of certain information
- Obtain a portable copy of certain information
- Opt out of sales, sharing, or targeted advertising
- Limit certain uses of sensitive personal information
- Withdraw consent where processing relies on consent
- Appeal a denied request
- Receive equal service and pricing when exercising privacy rights
These rights are subject to legal limitations and exceptions.
Certain rights may not apply to information regulated by federal financial privacy laws, information maintained to comply with legal obligations, or information necessary to complete or administer a transaction.
14. California Privacy Rights
This section applies to California residents to the extent the California Consumer Privacy Act, as amended, applies to Synergy or the applicable information.
Right to Know
You may request information concerning:
- Categories of personal information collected
- Categories of sources
- Business or commercial purposes
- Categories of third parties receiving information
- Specific pieces of personal information maintained about you
Right to Delete
You may request deletion of personal information, subject to legal exceptions.
Synergy may retain information necessary to:
- Complete a transaction
- Provide a requested service
- Detect or prevent fraud
- Maintain security
- Comply with financial-services laws
- Maintain required records
- Enforce agreements
- Establish or defend legal claims
- Perform other activities permitted by law
Right to Correct
You may request correction of inaccurate personal information.
Right to Opt Out
You may request to opt out of activities legally classified as the sale or sharing of personal information.
Right to Limit Sensitive Personal Information
Where applicable, you may request limits on certain uses or disclosures of sensitive personal information.
This right may not apply where sensitive information is used only for legally permitted financial, security, transaction, verification, or compliance purposes.
Right to Nondiscrimination
Synergy will not unlawfully discriminate against you for exercising a privacy right.
Authorized Agents
You may designate an authorized agent to submit a request.
Synergy may require:
- Proof of the agent’s authority
- Verification of your identity
- Direct confirmation that you authorized the request
Financial Information Exemptions
Certain information collected, processed, sold, or disclosed pursuant to the Gramm-Leach-Bliley Act or other financial privacy laws may be exempt from some California Consumer Privacy Act requirements.
Other information maintained by Synergy may remain subject to California privacy law.
15. Other State Privacy Rights
Residents of states with applicable comprehensive privacy laws may have rights similar to those described above.
Where required, Synergy will provide a process to appeal the denial of a privacy request.
You may contact Synergy to determine which rights apply to you.
16. California Shine the Light
California residents may request certain information regarding disclosures of personal information to third parties for their own direct-marketing purposes.
Requests should be submitted using the contact information below with “California Shine the Light Request” in the subject line.
17. Verification of Privacy Requests
Synergy must reasonably verify that a privacy request is submitted by the person to whom the information relates or by an authorized agent.
Verification may require information such as:
- Name
- Email address
- Telephone number
- Mailing address
- Application or transaction information
- Other information reasonably connected to your relationship with Synergy
Synergy will use verification information only to process and protect the request.
Synergy may deny a request where identity or authority cannot be reasonably verified.
18. Children’s Privacy
The website is intended for adults and business users.
Synergy does not knowingly collect personal information online from children under 13 years of age.
If Synergy learns that a child under 13 submitted personal information, Synergy will take reasonable steps to delete it.
A parent or guardian may contact Synergy regarding information submitted by a child.
19. Third-Party Websites and Services
The website may link to third-party:
- Application portals
- Lender websites
- Investor platforms
- Document-upload services
- Electronic-signature services
- Credit or verification providers
- Social media platforms
- Government websites
- Affiliate websites
- Other online services
This Policy does not govern information collected directly by those third parties.
You should review each third party’s privacy policy before submitting information.
20. International Users
Synergy is based in the United States.
Information submitted through the website may be processed and stored in the United States or another location where Synergy’s service providers operate.
Privacy laws in those locations may differ from the laws in your country.
21. Changes to This Privacy Policy
Synergy may update this Privacy Policy to reflect changes in:
- Legal requirements
- Website technology
- Financing programs
- Service providers
- Business operations
- Data practices
- Security procedures
The revised Policy will be posted with an updated “Last Updated” date.
Additional notice will be provided where required by law.
22. Contact Information and Privacy Requests
Questions, complaints, opt-out requests, and privacy-rights requests may be submitted to:
Synergy Financial Partners
Attn: Privacy
4500 Park Granada Blvd, Suite 202
Calabasas, California 91302
Telephone: (323) 615-2062
Email: info@synergybanc.com
When submitting a request, please state the privacy right you wish to exercise and provide enough information for Synergy to locate the relevant records and verify the request.