PRIVACY POLICY AND LEGAL DISCLOSURES

G.W. Golden Financial is headquartered at 2463 W. 208th Street, Suite 202, Torrance, Ca. 90501. G.W. Golden Financial is a DBA under G.W. Golden Enterprises, Inc., a California Mortgage Broker with BRE License Number 01990448 and NMLS Endorsement ID #1425546. G.W. Golden Financial is also licensed through the Department of Business Oversight (DBO) California Finance Lender License Number 60DBO-48676. G.W. Golden Financial is an equal housing lender.

Reverse Mortgage Loan Disclosure

In order to qualify for a Reverse Mortgage Loan the homeowner must be 62 years of age or older and have sufficient equity in the home. Qualifications must be met based on a Financial Assessment created by HUD. You must live in the mortgaged home as your PRIMARY RESIDENCE.   All HECM Reverse Mortgage Loans require third party government-approved counseling prior to obtaining a Reverse Mortgage Loan.

G.W. Golden Financial is NOT A GOVERNMENT AGENCY and is not affiliated with HUD or the FHA. None of the materials included on this website or any marketing were provided or approved by the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).

If you choose a Reverse Mortgage Loan you will always be required to pay property taxes and homeowner’s insurance as well as to continue to maintain the upkeep of your home. Reverse Mortgage Loans are first and second mortgage loans. A Reverse Mortgage Loan can increase the principal mortgage loan amount and decrease home equity (It is a negative amortization loan program). G.W. Golden Financial may forward your contact information to other lenders for your consideration of reverse mortgage loan products that they offer.

Terms of Use/Service

By accessing or using gwgolden.com in any way you are agreeing to comply with these terms of use, including any documents, policies and guidelines indicated herein or incorporated by reference.

Privacy Policy

By visiting gwgolden.com, you are complying with the privacy policy and legal disclosures described herein. This website is owned and operated by G.W. Golden Enterprises, Inc. We are committed to respecting your privacy and value your trust. This privacy policy tells you what information we collect, how we use it and how we protect it. Information you provide about yourself and/or your property is used for the sole purpose of fulfilling your requests for information, which may include providing you with a personalized mortgage analysis.

Information We Collect

We collect information volunteered by the website visitor, such as website registrations and/or survey information, name, address, telephone number and property information. All information collected is stored in a secure database, accessible only by authorized members of G.W. Golden Financial.

Use of Information We Collect

We collect, retain and use only the personal information that is absolutely necessary to provide you with a personalized mortgage analysis. From time to time, a representative of G.W. Golden Financial may contact you to request feedback regarding your personal experience using the website to assist in making improvements.

Email Usage

G.W. Golden Financial does not send bulk email messages or “spam”. We only communicate with our current clients, current vendors, current business partners, insurance carriers or other parties that have an interest in becoming clients or business partners. We may, on occasion, send all of our client’s targeted group emails when special offers, price changes, software updates or when important issues are available and/or arise. If you believe you have received an email in error from us or have received a suspicious email that appears to be fraudulent, please contact us so that we can investigate the matter.

All email messages received from our clients and business partners are kept completely confidential and are never shared with parties beyond G.W. Golden Financial or their partners without your express permission unless required by law enforcement.

Disclosure of Information

We may disclose personal information we collect on this website to others that provide services to you. Disclosure of personal information to these service providers is done to better serve you.

We may disclose identifying information collected on this website, such as names, addresses, and phone numbers with the G.W. Golden Financial and G.W. Golden Enterprises, Inc. family of companies to fulfill your requests or offer other products and services we think may be of interest to you. We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance and other authorities if legally obligated to do so.

If you choose to complete an online form, such as the calculator, Contact Us or other Information Request page, one of our G.W. Golden Financial mortgage advisors may contact you or we may share your information with a third party mortgage originator whom we believe can provide you with the information you have requested regarding your mortgage needs. Once your information has been shared, the third party privacy policies, where applicable, will govern the use and disclosure of your information. If you do not want your information to be shared, please do not complete an online form on this website.

Changes in Terms

G.W. Golden Financial and G.W. Golden Enterprises, Inc. may change or modify the terms of use from time to time without notice other than posting the said amended terms on the website. The amended terms will automatically be effective when posted on our website. Your continued use of our website after any changes in these terms have taken effect shall constitute your consent to such changes. G.W. Golden Financial and G.W. Golden Enterprises, Inc. reserve the right to change, modify or discontinue, temporarily or permanently, the website (or any portion thereof), including any and all content contained on the website, at any time without notice. You agree that G.W. Golden Financial and G.W. Golden Enterprises, Inc. shall not be liable to you or to any third party for any modification, suspension or discontinuance of the website (or any portion thereof), including any and all content contained on the website, at any time without notice.

Intellectual Property

Trademarks (including, but not limited to, gwgolden.com) that are used or displayed on the websites are owned by G.W. Golden Financial and G.W. Golden Enterprises, Inc. or by third parties other than G.W. Golden Financial and G.W. Golden Enterprises, Inc. that offer and provide products and services on or through the website. The trademark(s) of G.W. Golden Financial and G.W. Golden Enterprises, Inc. may not be copied or used, in whole, partial or modified form, without the prior written permission of G.W. Golden Financial and G.W. Golden Enterprises, Inc. or, if applicable, their licensor(s). Other trademarks, service marks, registered trademarks, product, service and company names or logos that appear on the website are the property of their respective owners, who may or may not be affiliated with, connected to or sponsored by G.W. Golden Financial and G.W. Golden Enterprises, Inc.