Privacy Policy

Ops Perfection Corp. DBA The Funding Lab

Introduction

Ops Perfection Corp., doing business as The Funding Lab, a Mortgage Broker and Processor (“we,” “us,” or “our”), is committed to maintaining the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (the “Site”), utilize our services, or otherwise interact with us online or offline. By accessing or using our Site and services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

This policy describes our online privacy practices. For a description of our privacy practices regarding non-public personal financial information collected in connection with a mortgage application, please also refer to our Gramm-Leach-Bliley Act Privacy Notice, which is provided to all customers at the start of a loan application.

We may utilize various domain extensions (e.g., .info, .net) to facilitate specific user actions, such as directing you to our secure loan application portal. When you interact with these redirects, we collect the same categories of information described in this Policy. Your data remains protected under the security protocols of Ops Perfection Corp., regardless of which official “getfundinglab” domain extension you use to access our Services.

Information We Collect

We collect several types of information to provide and improve our mortgage lending and processing services. The categories of information we may collect include:

Personal Information

  • Name
  • Mailing address
  • Email address
  • Phone numbers
  • Date of Birth
  • Social Security number or other government identification numbers
  • Financial information, such as bank account numbers, income, credit history, and debt details
  • Employment information
  • Property information and mortgage details
  • Any other information you choose to provide to us in connection with your mortgage application or inquiry

Non-Personal Information

  • Browser type and version
  • Operating system
  • Device type
  • IP address
  • Pages viewed on our site
  • Time and date of visit
  • Referring website address
  • Other technical information regarding your use of our site

Cookie and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your interactions with our website, to improve your experience, and to analyze usage patterns. You can control the use of cookies at the individual browser level.

Opt-Out Preference Signals: Our Site recognizes and honors Global Privacy Control (GPC) signals. If your browser sends a GPC signal, we will treat it as a valid request to opt out of the sale or sharing of your personal information for that browser.

How We Use Your Information

We use the information we collect for various legitimate business purposes, including to:

  • Process mortgage applications and related documents
  • Respond to your inquiries and requests
  • Verify your identity and prevent fraud
  • Communicate with you regarding your application, account, or our services
  • Comply with legal and regulatory requirements
  • Improve our Site, services, and customer experience
  • Send administrative information such as updates, confirmations, and technical notices
  • Conduct data analytics and research
  • Enforce our terms, policies, and agreements
  • Protect the security and integrity of our Site and business

How We Share Your Information

We may share your information as outlined below:

  • Service Providers: We may share your information with third-party vendors and service providers who assist us in delivering our services e.g., credit bureaus, financial institutions, IT support).
  • Legal Compliance and Protection: We may disclose your information as required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of our company, our clients, or others.
  • Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.
  • With Your Consent: We may share your information with other parties as directed or authorized by you.

Your Choices and Rights

You have choices and rights regarding the personal information we collect about you:

  • Access and Correction: You may request access to or correction of your personal information by contacting us as detailed below.
  • Opt-Out: You may opt out of receiving marketing communications from us by following the unsubscribe instructions in those communications. Please note that you may still receive transactional or administrative messages regarding your account or services.
  • Cookie Preferences: Most web browsers allow you to control cookies through their settings. Disabling cookies may affect your experience on our Site.
  • Do Not Track: Our Site does not currently respond to “Do Not Track” signals from browsers.

Security

We take the security of your information seriously and implement reasonable physical, administrative, and technical safeguards to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. Despite our efforts, no method of transmission over the internet or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

Retention of Information

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with our legal or regulatory obligations, resolve disputes, and enforce our agreements. The exact period may vary depending on the type of data and the requirements of applicable law.

Children’s Privacy

Our Site and services are not intended for use by children under the age of 18. We do not knowingly collect or solicit personal information from anyone under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

External Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or the content of such third parties. We encourage you to review the privacy policies of any external websites you visit.

Automated Decision-Making Technology (ADMT)

We may use automated technology to assist in evaluating your eligibility for certain mortgage products. You have the right to opt out of our use of automated decision-making technology and the right to request information about the logic involved in such decisions.

SMS and Mobile Messaging

If you elect to receive SMS messages from us, we will use your mobile number only to provide updates regarding your mortgage application and services you have requested. We do not share, sell, or rent your mobile phone number or SMS consent data with third parties or affiliates for their own marketing purposes. You may opt out at any time by replying “STOP” to any message.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our Site and indicate the effective date. Your continued use of our Site and services after any changes constitutes your acceptance of the revised Privacy Policy.

Contact Us

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

  • Email: info@getfundinglab.com
  • Mailing address: Ops Perfection Corp DBA The Funding Lab
    2208 Plaza Drive Unit 110 Rocklin, CA 95765
  • Phone: (916) 281-0545

California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (“CCPA”) and other laws, including the right to request information about the personal data we collect, use, and disclose, and the right to request deletion of your personal information. To exercise your rights, please contact us as indicated above.

Right to Limit the Use of Sensitive Personal Information: You have the right to direct us to limit the use of your sensitive personal information to only that which is necessary to perform the services you have requested (e.g., processing your mortgage application). To exercise your right to limit the use of your sensitive personal information, please email us at info@getfundinglab.com with the subject line “Limit My Sensitive Information.” or mail a written request to Ops Perfection Corp DBA The Funding Lab, 2208 Plaza Drive Unit 110, Rocklin, CA 95765.

We do not require you to create an account to make this request. We will process your request within 15 business days.

Notice to Residents Outside the United States of America

Our Site and services are operated in the United States and intended for users located in the U.S. If you are accessing our Site from outside the United States, please be aware that your information will be transferred to, processed, and stored in the United States, where data protection laws may differ from those in your country. By using our Site or providing us with any information, you consent to this transfer.

Acceptance of This Policy

By using our Site and services, you signify your acceptance of this Privacy Policy. If you do not agree to this policy, please do not use our Site or services.

Effective Date: January 1, 2026