Privacy Policy
This notice describes how StaQ Capital — a brand of Nationwide Loans Inc (DBA Nationwide Purchase Loans) — collects, uses, shares, and protects personal information about consumers and visitors to our website. It explains your rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), and identifies the separate Gramm-Leach-Bliley Act (GLBA) Privacy Notice that applies to financial-services interactions.
Quick links: GLBA Privacy Notice · Do Not Sell or Share My Personal Information · privacy@staqcapital.com
- Who we are
- Scope of this notice and the GLBA carve-out
- Categories of personal information we collect
- Sources of the information
- Business and commercial purposes
- Disclosures and sharing
- "Sale" or "sharing" under CCPA/CPRA
- Use of sensitive personal information
- Retention
- Your rights
- How to exercise your rights
- Minors
- Security
- Changes to this notice
- Contact
1. Who we are
"StaQ Capital" is the consumer-facing brand operated by Nationwide Loans Inc, a California corporation doing business as Nationwide Purchase Loans ("we", "us", "our"). Our mailing address is 701 Palomar Mountain Rd, Carlsbad, CA 92011. Mortgage origination is conducted under NMLS #1799965; California real estate activity is conducted under DRE #02085205. Our principal mortgage loan originator is Amin Nadimzadeh, NMLS #2637871 / DRE #02283479.
2. Scope of this notice and the GLBA carve-out
This Privacy Policy covers personal information collected through the StaQ Capital website (staqcapital.com), our marketing materials, the Mortgage Strategy Advisor, Real Estate Pro, Underwriting Pro, and Capital Advisory products, our contact and rate-request forms, and our admin / analytics tooling.
Important: Personal information that we collect, use, or share in connection with offering or providing a financial product or service to you (e.g., a mortgage application, pre-qualification, loan processing, servicing, or document collection) is governed primarily by the federal Gramm-Leach-Bliley Act (GLBA) and its implementing rules (Regulation P, 12 CFR Part 1016), and is exempt from most CCPA/CPRA obligations under Cal. Civ. Code § 1798.145(e). For that information, the separate GLBA Privacy Notice applies. The CCPA/CPRA disclosures below cover the personal information that is not subject to the GLBA exemption — for example, information you provide on the contact form or browsing data on the marketing site.
3. Categories of personal information we collect
In the past 12 months we may have collected the following categories of personal information (CCPA § 1798.140 categories shown):
| CCPA Category | Examples we collect | Collected? |
|---|---|---|
| A. Identifiers | Name, email, phone number, IP address, device ID, account/session ID | Yes |
| B. Customer-records info (Cal. Civ. § 1798.80(e)) | Phone number, address, financial information you submit on the rate-request form (estimated property value, loan amount, credit-score range) | Yes — but most is GLBA-exempt |
| C. Protected-class characteristics | Age (when you provide it), marital status (mortgage applications) | Only via mortgage application — GLBA-governed |
| D. Commercial information | Service-engagement history, transaction details | Yes |
| E. Biometric information | — | No |
| F. Internet/network activity | Pages visited, referrers, time on site, click events, browser + device info | Yes |
| G. Geolocation | City/region inferred from IP. We do not collect precise GPS location. | Yes (general, not precise) |
| H. Sensory data | — | No |
| I. Professional / employment | Employment status, employer name, income (mortgage application only) | GLBA-governed |
| J. Education | — | No |
| K. Inferences | Loan-program fit, intent signals derived from your interactions | Yes |
| L. Sensitive personal information (CPRA) | SSN, government ID, account login, financial-account numbers, precise geolocation, racial/ethnic origin, health, sex life, etc. | SSN/financial account numbers only when you submit a mortgage application — GLBA-governed |
4. Sources of the information
- Directly from you (forms, chat conversations, document uploads, scheduled consultations).
- Automatically through your device (cookies, local storage, server logs, analytics).
- From service providers acting on our behalf (e.g., Microsoft Bookings for scheduling, Resend for email delivery, Anthropic for AI processing of conversations you initiate).
- From credit reporting agencies and verification vendors — only with your consent and only in connection with a mortgage transaction (GLBA scope).
5. Business and commercial purposes
We use personal information for the following business or commercial purposes:
- Providing the requested service (responding to inquiries, scheduling consultations, processing mortgage applications).
- Verifying identity, preventing fraud, and complying with applicable law (including the SAFE Act, ECOA, FCRA, BSA, OFAC).
- Improving our website and tools, including AI assistants used for educational analysis.
- Communicating with you about our services, including transactional and (with your consent) marketing communications.
- Auditing, security, debugging, and quality control.
7. "Sale" or "sharing" under CCPA/CPRA
We do not sell personal information for monetary consideration. We do not "share" personal information for cross-context behavioral advertising as those terms are defined under CPRA. If we ever change those practices, we will update this notice and provide a clear opt-out mechanism in advance.
You can submit a Do-Not-Sell-or-Share request at any time at /do-not-sell. We honor Global Privacy Control (GPC) signals as a valid opt-out for browsers that emit them.
8. Use of sensitive personal information
Where we collect sensitive personal information (CPRA § 1798.140(ae)) — for example, SSN or financial-account numbers in connection with a mortgage application — we use it only for the purposes permitted by Cal. Civ. § 1798.121 and CPRA implementing regulations: to provide the service you requested, to prevent fraud, to ensure security and integrity, and to comply with the law. We do not use sensitive personal information to infer characteristics about you, and you may direct us to limit our use under Limit the Use of My Sensitive Personal Information.
9. Retention
We retain personal information for the periods listed below. Where multiple periods apply, we retain for the longest applicable period.
| Information type | Retention | Reason |
|---|---|---|
| Mortgage application files (GLBA) | ≥ 7 years post-action / closure | HMDA (12 CFR 1003.5), TILA/RESPA (12 CFR 1026.25), state regulator minimums |
| Adverse action notices and supporting records | 25–60 months | ECOA / Reg B § 1002.12 |
| Marketing-form submissions (contact, rate-request) | 3 years from last interaction | UDAAP record-keeping; CAN-SPAM evidence |
| Website logs, analytics, traffic data | ≤ 13 months | Security and quality control |
| Audit trail entries (hash-chained) | ≥ 7 years | Internal audit and regulator request |
10. Your rights
If you are a California consumer, you have the following rights:
- Right to know what personal information we have collected and the categories above.
- Right to delete personal information we have collected, subject to GLBA, fraud-prevention, and legal-record-keeping exceptions.
- Right to correct inaccurate personal information.
- Right to opt out of the sale or sharing of personal information.
- Right to limit use of sensitive personal information.
- Right to non-discrimination for exercising any of the above.
- Right to portability — receive your data in a structured, commonly used format.
You may also designate an authorized agent to make a request on your behalf, subject to verification.
11. How to exercise your rights
You can exercise any of the rights above by:
- Emailing privacy@staqcapital.com;
- Mailing a written request to Nationwide Loans Inc · Attn: Privacy Officer · 701 Palomar Mountain Rd · Carlsbad, CA 92011; or
- Submitting the Do-Not-Sell-or-Share form at /do-not-sell.
We will verify your identity using the personal information we have on file. We will respond within 45 days; we may extend an additional 45 days with notice. There is no fee for exercising your rights.
12. Minors
Our services are intended for adults 18+ in connection with real estate finance. We do not knowingly collect personal information from anyone under 16. If we learn we have inadvertently done so, we will delete it.
13. Security
We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. These include encryption in transit, encrypted-at-rest document storage, role-based access control, hash-chained audit logging, and regular vulnerability scanning. No security control is perfect; please notify us at privacy@staqcapital.com if you suspect unauthorized access to your information.
14. Changes to this notice
We may update this Privacy Policy. The "Last updated" date at the top reflects the most recent revision. Material changes will be communicated via the website and, where appropriate, by email. The version history is maintained internally and is available on request.
15. Contact
Privacy Officer
Nationwide Loans Inc (DBA Nationwide Purchase Loans)
701 Palomar Mountain Rd
Carlsbad, CA 92011
Email: privacy@staqcapital.com
NMLS #1799965 · CA DRE #02085205