Jubilee Home Loans, Inc.

Privacy Policy

How Jubilee Home Loans, Inc. collects, uses, and protects your personal information.

Effective Date: May 7, 2026

Jubilee Home Loans, Inc. (“Jubilee Home Loans,” “we,” “us,” or “our”) provides this Privacy Policy (“Policy” or “Privacy Policy”) to describe the information we collect, how we use it, and when and with whom we share it. This Policy applies to this website (https://www.jubileehomeloans.com), other websites and online services we provide, and to personal information collected offline through communications with us (collectively, the “Services”).

When you click an external link from this Website, such as our online application portal, you may be subject to the privacy policies of those third-party sites. This Policy does not govern your interactions with those services.

By accessing or using the Services, you agree to this Policy. If you do not agree to this Policy, please do not access or use the Services.

1. The Information We Collect

We collect information about you through providing our Services. The types of information we collect depends on the Services and the features you use. Please note that we need certain types of information to provide the Services to you. If you do not provide us with such information, you may not be able to access or use certain Services.

a. Information You Provide Directly to Us

You may share information with us when you:

  • Inquire about our services via email, telephone, or in-person communications;
  • Subscribe to newsletters, where available;
  • Request information or technical assistance;
  • Communicate with us in any other way.

The information you provide may include, but is not limited to:

  • Contact Information: name, email address, and phone number you provide when you reach out to us about our services.
  • Content of Your Communications: the messages, questions, or other content you voluntarily submit when you contact us.

You are not required to provide us with this information, but certain features of the Services may not be accessible without it.

Mortgage application information — including Social Security number, government-issued identification, employment history, income, asset and credit information — is not collected through this Website. Loan applications are processed through our third-party loan origination platform, which is governed by its own privacy policy.

b. Information from Affiliates and Non-Affiliated Third Parties

To the extent permitted by law, we may, in our sole discretion, ask for and collect supplemental information from third parties, such as information to verify your identity or information for fraud or safety protection purposes. We may also communicate with you on platforms operated by third parties and collect feedback.

If you contact us through a third-party platform such as Google or LinkedIn (each a “Third-Party Service”), you may allow us to access certain information from the Third-Party Service. Third-Party Services have their own policies for handling your information, and we encourage you to consult their privacy policies before contacting us through them.

We may combine information that we collect from you through the Services with information that we obtain from third parties and information derived from other products or services we provide.

c. Information We Collect Automatically

Device and Usage Information. When you visit this Website, our hosting infrastructure may automatically collect technical information about the computer or device (including mobile device) you use to access the Services. Information collected may include (a) browser type; (b) ISP or operating system; (c) domain name; (d) access time; (e) referring or exit pages; (f) page views; (g) IP address; (h) unique device identifiers; and (i) the type of device that you use. We use this information for analytics, security, troubleshooting, and to evaluate use of the Services.

Cookies and Other Electronic Technologies. Today, this Website does not load first-party trackers or third-party marketing scripts. If we add such technologies in the future, we will gate them on your consent through the cookie banner described in Section 4 below. Most web browsers automatically accept cookies, but your browser may allow you to modify settings to decline cookies if you prefer. If you disable cookies, you may be prevented from taking full advantage of the Services.

Location Information. When you use the Services, we may collect general location information (such as general location inferred from an IP address).

2. How We Use the Information We Collect

We use your information for business and commercial purposes, such as:

  • To provide you with the Services and respond to your inquiries;
  • To communicate with you about your inquiries, our company, and related news, including, where permitted, promotional emails and newsletters;
  • To analyze and improve the Services or any other products and services we provide;
  • To verify your identity;
  • To comply with our legal obligations or as permitted by law;
  • To protect the safety and integrity of our users, employees, third parties, members of the public, and our Services;
  • To prevent fraud and enforce our legal terms; and
  • To administer and troubleshoot the Services.

We may aggregate and de-identify information collected through the Services. We may use de-identified or aggregated data for any purpose, including for research and marketing purposes, and may share such data with any third parties.

3. With Whom & Why We Share Your Information

We may share or disclose your personal information for the following reasons:

  • Affiliates: We may share your information with Jubilee Home Loans affiliates.
  • Consent / At Your Direction: We may disclose your information to non-affiliated third parties based on your consent. Such consent includes the disclosure of your information (a) in order to facilitate a mortgage application referred from this Website; (b) when we have your permission; or (c) as described in this Privacy Policy, the Terms of Use, or any other legal terms governing your use of the Services.
  • Service Providers: We may provide access to or share your information with select third parties who perform services on our behalf, including data storage, analytics, marketing, customer service, security, fraud prevention, and legal services.
  • Protection of Jubilee Home Loans and Others: We may share or disclose certain information if we believe in good faith that doing so is necessary or appropriate to (i) protect or defend the rights, safety, or property of Jubilee Home Loans, its agents and affiliates, employees, users and the public, including to defend or enforce our Privacy Policy, our Terms of Use, or any other contractual arrangement, or (ii) respond to your requests for customer service.
  • Legal Requirements: We may share or disclose certain information if we believe in good faith that doing so is necessary or appropriate to comply with any law enforcement, legal, or regulatory process, such as to respond to a warrant, subpoena, court order, or other applicable laws and regulations.
  • Business Transfer: We may share or disclose certain information in connection with or during negotiations of any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
  • Aggregate / Anonymous Information: From time to time, we may share aggregate or anonymous information about use of the Services. The sharing of such data is unrestricted.

4. Online Analytics, Tailored Advertising & Cookies

a. Analytics

This Website does not currently use third-party web analytics services. If we add analytics services in the future, we will update this Policy to identify the providers and provide opt-out instructions.

b. Tailored Advertising

This Website does not currently serve tailored advertising and does not load third-party ad networks. If we add such technologies in the future, this section will be updated to describe them and provide opt-out information.

For general information about tailored browser advertising and how you can control cookies that deliver tailored marketing across the broader web, you may visit the Network Advertising Initiative’s (“NAI”) Consumer Opt-Out resources or the Digital Advertising Alliance’s (“DAA”) Consumer Opt-Out resources. We do not control these resources and are not responsible for any choices you make using them or the continued availability or accuracy of those mechanisms.

c. Cookies on This Website

This Website uses a cookie consent banner that lets you accept or reject cookies. Your choice is stored locally in your browser. To change your preference at any time, click “Cookie Preferences” in the footer of any page on this site.

If your browser is configured to reject cookies, or you erase your cookies, use a different computer, or change web browsers, your preference may not persist.

5. Security of Your Information

We implement security measures to protect your information. It is important that you protect and maintain the security of any account credentials you may have with us, and you need to immediately notify us of any unauthorized use. Please understand that no data transmission over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us.

6. Children’s Privacy

Our Services are not intended for minors and children under the age of 18, and we do not knowingly collect any personal information from such minors and children. If we discover that an individual under 18 has provided us with personal information, we will delete the personal information to the extent required by the Children’s Online Privacy Protection Act.

7. Third-Party Websites

Our Services may link to third-party websites from companies other than Jubilee Home Loans, such as our online application portal, our partners’ websites, and other relevant online resources. We are not responsible for the privacy practices or content of such other websites. If you have any questions about how these other websites use your information, you should review their policies and contact them directly. We are not responsible for the actions of third parties.

8. Your Choices

You have certain rights and choices with respect to your information, such as:

  • Marketing emails: To opt out of marketing email communications, you may click the “unsubscribe” link in the marketing emails.
  • Cookies and analytics: You can opt out of certain cookie-related processing by following the instructions in this Privacy Policy and through the cookie preferences banner on this site.
  • California residents: Please review our Supplemental Privacy Notice for California Residents below.
  • Texas residents: Please review our Supplemental Privacy Notice for Texas Residents below.

Please note that certain information may be exempt from such requests in some circumstances, which may include needing to continue processing your information to comply with a legal obligation. We may request that you provide us with information necessary to confirm your identity before responding to your request.

9. Changes to Our Privacy Policy

We may update this Policy from time to time. If we make material changes to our Policy, we will notify you and other users as required by law. By continuing to use our Services, you are agreeing to be bound by any changes or revisions made to this Privacy Policy.

10. Contacting Us

If you have any questions, comments, or concerns regarding our Privacy Policy or practices, please contact us at:

Jubilee Home Loans, Inc.
235 Pine Street, 7th Floor, Office 2
San Francisco, CA 94104
[email protected]
415-480-1786

11. Supplemental Privacy Notice for California Residents

This Supplemental Privacy Notice supplements the information in our Privacy Policy above and, except as provided herein, applies solely to California residents. It applies to personal information we collect on or through the Services and through other means (such as information collected offline, in person, and over the telephone). It does not apply to personal information we collect from our employees and job applicants in their capacity as employees and job applicants. It also does not apply to personal information we collect from employees, owners, directors, officers, or contractors of businesses in the course of our provision or receipt of business-related services.

California law requires us to disclose information regarding the categories of personal information we have collected about California consumers, the categories of sources from which the information was collected, the business or commercial purposes for which the information was collected, and the categories of parties with whom we share personal information.

In the preceding twelve months, we or our service providers may have collected the below categories of personal information for business or commercial purposes:

  • Identifiers: name, email address, phone number, IP address, and similar identifiers you provide or that are collected automatically.
  • Internet or Other Network or Device Activity: IP address, unique device identifiers, browser type, pages viewed, referring URLs, and other usage data.
  • Location Information: general location inferred from an IP address.
  • Other Information that Identifies or Can Be Reasonably Associated With You: the content of any communications you send to us.

We collect the categories of personal information identified above from the following sources: (1) directly from you; (2) through your use of the Services; and (3) third parties such as identity verification services and other users.

We collect the categories of personal information for the following business and commercial purposes:

  • Provide the Services (e.g., responding to inquiries, customer service, and communication about the Services);
  • Operational purposes (e.g., to enable and troubleshoot our Services);
  • Auditing consumer interactions on our site;
  • Detecting, protecting against, and prosecuting security incidents and fraudulent or illegal activity;
  • Bug detection, error reporting, and activities to maintain the quality or safety of our Services;
  • Improving our existing Services and developing new services;
  • Other uses about which we notify you.

Your California Rights

If you are a California resident, you may have the right to request that we:

  • Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information.
  • Provide access to and/or a copy of certain information we hold about you.
  • Delete certain information we have about you.

You have the right to not be discriminated against (as provided for in applicable law) for exercising any of these rights. Certain information may be exempt from such requests under applicable law. If you ask us to delete information, you may no longer be able to access or use the Services.

If you would like to exercise any of these rights, please contact us at [email protected]. You will be required to verify your identity before we fulfill your request. You can also designate an authorized agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.

Do Not Sell or Share My Personal Information

Jubilee Home Loans, Inc. does not sell your personal information for monetary compensation, and does not engage in cross-context behavioral advertising on this Website.

To exercise your right to opt out of any sale or sharing as those terms are defined under California law, please contact us at [email protected] with the subject line “Do Not Sell or Share — California Resident.” We will note your preference and confirm receipt.

California Do-Not-Track Disclosure

Jubilee Home Loans is committed to providing you with meaningful choices about the information collected on our Services for third-party purposes. Jubilee Home Loans does not currently recognize or respond to browser-initiated Do-Not-Track signals, as the Internet industry is currently still working on Do-Not-Track standards, implementations, and solutions.

12. Supplemental Privacy Notice for Texas Residents

This Supplemental Privacy Notice supplements the information in our Privacy Policy above and applies to Texas residents. Texas law may provide you with rights regarding the personal information we collect about you, including the right to access, correct, or delete that information, and to opt out of certain processing.

To exercise any rights you may have under Texas law, please contact us at [email protected]. We will verify your identity before we fulfill your request.