Privacy Policy

We may collect the following categories of personal information when you visit our website, submit an inquiry, or apply for a loan:

• Identifiers: Name, email address, phone number, mailing address, IP address, and device identifiers.
• Financial Information: Income, employment status, credit history, and other information relevant to evaluating a loan application.
• Usage Data: Pages visited, time spent on pages, links clicked, browser type, and referring URLs.
• Communications: Records of inquiries, messages, and correspondence submitted through our website or contact forms.
• Cookies and Tracking Technologies: Data collected through cookies, web beacons, and similar technologies as described below.

We collect this information directly from you, automatically through your use of our website, and from third-party sources such as credit bureaus and referral partners.

We use the information we collect for the following purposes:

• To process and evaluate loan applications and provide our services.
• To communicate with you about your inquiry, application, or account.
• To improve our website, services, and customer experience.
• To comply with applicable laws and regulations, including state licensing requirements in California and Colorado.
• To detect and prevent fraud, unauthorized access, and other illegal activities.
• To send you marketing communications about our products and services, where permitted by law and consistent with your preferences.
• To analyze website traffic and usage patterns using analytics tools.

We may share your personal information with the following categories of third parties:

• Service Providers: Companies that assist us in operating our website, processing applications, and delivering services (e.g., technology vendors, credit reporting agencies).
• Lending Partners: Wholesale lenders and investors to whom we may submit loan applications on your behalf.
• Regulatory Authorities: Government agencies and regulators as required by law, including the California Department of Financial Protection and Innovation and the Colorado Division of Real Estate.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not sell personal information. When advertising or analytics technologies are enabled, however, identifiers and internet or other electronic network activity may be shared with service providers or advertising partners for cross-context behavioral advertising as defined by applicable privacy laws. You may exercise applicable opt-out rights through our Do Not Sell or Share My Personal Information page.

Mobile numbers and SMS opt-in data are not sold or shared with third parties for those parties' marketing purposes.

You have the right to access, correct, or request deletion of your personal information. To exercise these rights, please contact us at:

• Phone: (844) 999-8876
• Email: privacy@turntimes.com
• Mail: 333 City Blvd W, 17th Floor, Orange, CA 92868

We will respond to verified requests within the timeframes required by applicable law. We may need to verify your identity before processing your request.

You may authorize an agent to submit a request on your behalf. We may ask the agent for written authorization and may ask you to verify your identity directly, as permitted by applicable law.

We will not discriminate against you for exercising applicable privacy rights. You will not be denied services or receive a different level of service solely because you made a privacy request.

Our website uses cookies, web beacons, pixel tags, and similar tracking technologies to enhance your browsing experience, analyze site traffic, and deliver relevant content.

• Essential Cookies: Required for the website to function properly. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website so we can improve performance and content.
• Marketing Cookies: Used to deliver advertisements relevant to your interests on our site and third-party platforms.

You can control cookie settings through your browser preferences. Please note that disabling certain cookies may affect the functionality of our website.

We use cookies and similar technologies from Google (Analytics and Ads), Meta, and TikTok to measure our website and show you Turn Times ads on other sites. These technologies load only if you allow the applicable marketing or analytics cookies.

Sharing for cross-context behavioral advertising may be a "sale" or "sharing" under California and Colorado law. You can opt out at any time through Do Not Sell or Share My Personal Information, Cookie preferences, or a Global Privacy Control signal, which we honor.

We do not sell personal information. When analytics or advertising technologies are enabled, online identifiers and internet or other electronic network activity may be considered "sharing" for cross-context behavioral advertising under applicable state privacy laws. Visit our Do Not Sell or Share My Personal Information page to submit an opt-out request or manage cookie preferences.

We may use Google Analytics, Google Ads, Meta, TikTok, and Umami to understand site usage and measure advertising when the applicable analytics or marketing category is enabled. These tools may process cookie or device identifiers and internet activity, including pages viewed.

Analytics and marketing tools are not loaded on a new visit unless the applicable preference is enabled. When you withdraw consent, we update available Google consent controls and reload the page so previously loaded nonessential scripts are not retained in the active page session. A Global Privacy Control signal keeps those categories off. If you choose to chat with a human, we load Tawk.to only to provide that support interaction.

You may manage preferences through our Do Not Sell or Share My Personal Information page, use a supported Global Privacy Control signal, or install the Google Analytics Opt-out Browser Add-on if a Google Analytics tag is deployed through our tag manager.

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the type of information and the purpose for which it was collected.

Loan application data is retained in accordance with applicable federal and state recordkeeping requirements, including those imposed by California and Colorado lending regulations.

Some browsers include a "Do Not Track" (DNT) setting. DNT is different from the Global Privacy Control described below, and our site does not respond to DNT signals.

Global Privacy Control (GPC) is a browser-based opt-out preference signal. When a browser transmits a GPC signal, Turn Times records analytics and marketing cookie preferences as off for that browser and device and treats the signal as an opt-out request for applicable online advertising-related sharing. Essential cookies required to provide requested services remain active. You may also use the Do Not Sell or Share My Personal Information page or contact us directly.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

When marketing technologies are enabled, third-party advertising providers configured through our tag manager may use cookies or similar technologies to measure advertising performance or deliver relevant advertisements. We treat applicable advertising-related cookie activity as potential "sharing" for cross-context behavioral advertising under California law.

You may opt out of applicable advertising-related sharing with our Do Not Sell or Share My Personal Information control or a supported GPC signal. You may also visit the Digital Advertising Alliance opt-out page.

Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at privacy@turntimes.com and we will take appropriate steps to address the request.

For California residents under age 16, we do not knowingly sell or share personal information without affirmative authorization. If we have actual knowledge that a consumer is under 13, any required authorization must come from a parent or guardian; for consumers age 13 through 15, authorization may come from the consumer, as applicable law permits.

This online privacy policy is not intended to replace a financial privacy notice that may be required for a particular consumer relationship under the Gramm-Leach-Bliley Act (GLBA) or Regulation P. Our borrower portal follows the Regulation P model-form framework and is clearly marked for legal and compliance approval before it becomes a final notice.

To request available financial privacy notices or ask a question about our financial-information practices, contact privacy@turntimes.com or call (844) 999-8876.

We implement industry-standard technical, administrative, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure Sockets Layer (SSL) encryption for data transmitted through our website.
• Access controls limiting employee access to personal information on a need-to-know basis.
• Regular security assessments and monitoring of our systems.

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Just Homes Inc. dba Turn Times respects your communication preferences. If you have registered your phone number on the National Do Not Call Registry or a state do-not-call list, we will honor those preferences unless you have provided express written consent to receive calls from us.

To opt out of marketing calls, please contact us at (844) 999-8876 or email privacy@turntimes.com.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Effective Date" at the bottom of this page. We encourage you to review this policy periodically.

Your continued use of our website after any changes constitutes your acceptance of the updated Privacy Policy.

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Phone: (844) 999-8876
• Email: privacy@turntimes.com
• Mail: 333 City Blvd W, 17th Floor, Orange, CA 92868