Privacy Policy

Privacy Policy: Last Updated: March 14, 2026

Veltm Capital Realty (“Company,” “we,” “us,” or “our”) operates the website https://veltm.com and provides real estate services and mortgage loan origination services through our licensed team. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a contact form, apply for pre-approval, or use any of our services.

By using our website or services, you consent to the practices described in this policy. If you do not agree, please do not use our site or services.

1. Information We Collect

We collect two types of information:

Personal Information you provide:

Name, email address, phone number, mailing address
Date of birth, Social Security Number (SSN), driver’s license, and other government-issued ID (required for mortgage applications)
Employment information, income details, assets, liabilities, and credit information
Mortgage loan details and real estate transaction information

Information Collected Automatically:

IP address, browser type, device information, and operating system
Cookies, web beacons, and similar tracking technologies (see Section 5)
Pages visited, time spent on site, and referral sources

2. How We Use Your Information

We use your information for the following purposes:

To provide real estate services and mortgage loan origination (including pre-approvals, loan applications, and transaction support)
To communicate with you about your inquiries, applications, and closings
To comply with federal and state regulations (including the Gramm-Leach-Bliley Act, Truth in Lending Act, and Real Estate Settlement Procedures Act)
To improve our website and services
To send you marketing communications (you may opt out at any time)
To detect and prevent fraud

3. How We Share Your Information

We may share your information with:

Mortgage lenders, underwriters, appraisers, title companies, and escrow agents (only as necessary to process your loan or transaction)
Service providers who assist us (website hosting, email delivery, analytics)
Regulatory agencies when required by law (e.g., CFPB, California DRE, NMLS)
Business partners for joint marketing (only with your consent)

We do not sell your personal information to third parties.

4. California Privacy Rights (CCPA / CPRA)

As a California resident, you have the following rights:

Right to know what personal information we have collected and how it is used
Right to delete your personal information (subject to legal exceptions)
Right to opt out of the sale of personal information (we do not sell data)
Right to correct inaccurate personal information
Right to limit the use and disclosure of sensitive personal information

To exercise any of these rights, email us at timothy@veltm.com or call +1 714-451-5446. We will respond within 45 days (or as required by law). You may also designate an authorized agent.

5. Cookies and Tracking Technologies

We use cookies to:

Remember your preferences
Analyze website traffic (Google Analytics)
Deliver personalized content

You can manage cookie preferences through your browser settings. We also honor the Global Privacy Control (GPC) signal when detected.

6. Data Security

We use industry-standard encryption (SSL/TLS), secure servers, and access controls to protect your information. However, no system is 100% secure. Mortgage loan applications containing sensitive data are handled through encrypted portals.

7. Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect information from children.

8. Retention of Information

We retain your information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. Mortgage-related records are kept for the periods required by federal and state law.

9. Changes to This Privacy Policy

We may update this policy from time to time. The “Last Updated” date at the top will reflect any changes. We encourage you to review it periodically.

10. Contact Us

If you have questions about this Privacy Policy, please contact:

Timothy Velasco

‍Veltm Capital Realty

Email: timothy@veltm.com

‍Phone: +1 714-451-5446

DRE# 02337514 | NMLS# 2338202

Equal Housing Lender / Equal Housing Opportunity

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