Privacy Policy
Last updated: August 26, 2026
1. Who We Are
City Center Financial (“we,” “us,” or “our”) is a California mortgage brokerage. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit gocitycenter.com, submit forms, or inquire about mortgage products and services in California.
Samuel S. Heng, NMLS #353383 · DRE #01837543
Company NMLS #312494
3626 Fair Oaks Blvd, Suite 100, Sacramento, CA 95864
Phone: (916) 500-0177
2. Information We Collect
Depending on how you interact with us, we may collect:
- Identifiers: name, email, phone, postal address, IP address
- Financial & application data: income, employment, assets, liabilities, loan amount, property information, credit-related information (as authorized)
- Sensitive personal information (as defined under California law): Social Security number, driver’s license number, account numbers, precise financial details — collected only as needed for mortgage processing and with appropriate authorization
- Internet / device data: browser type, device info, pages visited, referral source, and cookie/analytics data
- Communications: messages, call notes, and form submissions
3. How We Collect Information
- Directly from you — forms, pre-approval applications, phone, text, or email
- Automatically — cookies, pixels, and similar technologies on our website
- From third parties — credit reporting agencies, appraisers, title companies, wholesale lenders, and other service providers, with your authorization where required
4. How We Use Your Information
- Process mortgage inquiries, pre-approvals, and loan applications
- Match you with wholesale lenders and facilitate underwriting
- Communicate about rates, programs, status updates, and service
- Improve our website and services
- Comply with federal and California mortgage laws, audits, and recordkeeping rules
- Detect fraud and protect security
You may opt out of marketing communications at any time. Transactional messages about your application or loan may still be sent as required.
5. How We Share Information
We may disclose personal information to:
- Wholesale lenders and investors involved in your transaction
- Service providers (credit bureaus, appraisers, title/escrow, technology vendors, CRM)
- Regulators and law enforcement when required by law
- Professional advisors (legal, compliance, accounting) under confidentiality
We do not sell personal information for money. Under CCPA/CPRA, certain analytics or advertising cookies may be treated as “sharing.” See Section 7 and our Do Not Sell or Share page for opt-out options.
6. Cookies & Tracking Technologies
We use cookies and similar technologies for essential site function, analytics, and (where applicable) marketing measurement. You can control cookies through your browser settings and through the cookie notice on our site. Disabling certain cookies may affect site performance.
7. Your California Privacy Rights (CCPA/CPRA)
If you are a California resident, you may have the right to:
- Know what personal information we collect, use, and disclose
- Delete personal information, subject to legal and regulatory retention exceptions (including mortgage recordkeeping)
- Correct inaccurate personal information
- Opt out of the sale or sharing of personal information
- Limit the use of sensitive personal information (where applicable)
- Non-discrimination for exercising these rights
To exercise these rights, contact us at (916) 500-0177, visit our Do Not Sell or Share page, or use the options on our Contact page. We may need to verify your identity before responding. Authorized agents may submit requests with proper documentation.
8. Do Not Sell or Share
To opt out of any sale or sharing of personal information as defined under California law, submit a request at gocitycenter.com/donotsale or call (916) 500-0177. We will process verifiable requests in accordance with applicable law. We also honor Global Privacy Control (GPC) signals where technically feasible.
9. Retention
We retain personal information as long as needed for the purposes described above, and as required by federal and California mortgage recordkeeping, tax, audit, and legal obligations. When no longer required, we delete or de-identify information in accordance with our retention practices.
10. Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.
11. Children’s Privacy
Our services are directed to adults seeking mortgage products. We do not knowingly collect personal information from children under 16 for marketing purposes.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top will change when we do. Continued use of the site after updates constitutes acceptance of the revised policy where permitted by law.
13. Contact Us
City Center Financial
Attn: Privacy Requests
3626 Fair Oaks Blvd, Suite 100
Sacramento, CA 95864
Phone: (916) 500-0177
Samuel S. Heng, NMLS #353383 · Company NMLS #312494