Privacy Policy

Last updated: September 6, 2026

Introduction

Welcome to the official website of Optima Financing (https://optimafinancing.com). We value your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and how we safeguard it. By using our website or services, you agree to the practices described below.

Information we collect

We may collect the following types of personal information from clients, prospective borrowers, and website visitors:

• Contact information: name, email address, phone number, and mailing address.
• Loan inquiry information: property state, loan purpose, approximate loan amount, income type, and details you provide about your financing scenario.
• Financial information: if you proceed with a loan application, income, asset, credit, and employment information required for mortgage origination.
• Interaction data: information about how you use our website, including pages visited and forms submitted.
• Communications: messages you send us by web form, email, phone, or text message.

How we collect information

• Website forms: when you submit our contact or scenario forms.
• Document uploads: when you choose to attach documents to your financing request. Uploaded files are stored in a non-public area of our server, shared only with Sam Razavi, and retained only as long as needed for your inquiry or as required of licensed loan originators.
• Direct communications: when you contact us by phone, email, or text message.
• Cookies and analytics: to understand website usage and improve our content (see Analytics and security tools below). You can manage cookie preferences in your browser settings; disabling cookies may affect site functionality.

How we use your information

• Responding to inquiries: to answer your questions and discuss your financing scenario.
• Loan origination: to evaluate loan options and, with your authorization, submit your application to a wholesale lender for underwriting and funding.
• Service communications: to send updates about your inquiry or loan file.
• Website improvement: to analyze site usage and improve our content and services.
• Legal compliance: to meet recordkeeping and regulatory obligations that apply to licensed mortgage loan originators.

SMS/text messaging and consent

If you provide your phone number and check the SMS consent box on one of our forms, or you text us first, you consent to receive conversational and informational SMS text messages from Optima Financing related to your inquiry or loan file.

• Consent to receive text messages is optional and is not a condition of receiving any service.
• Reply STOP at any time to opt out of text messages. Reply HELP for support.
• Message and data rates may apply. Messaging frequency may vary.
• See our SMS Terms for full text messaging terms.

Analytics, session replay, and security tools

We use a small number of third-party tools on this website. Session recording is opt-in only and never runs unless you allow it. Each may set cookies or collect technical information such as your IP address, browser and device type, pages viewed, and how you interact with pages.

• Google Analytics 4 (Google LLC) — aggregate usage statistics such as page views, traffic sources, and approximate location. We use it for aggregate statistics, not for advertising or cross-site tracking. You can opt out with the Google Analytics opt-out browser add-on.
• Microsoft Clarity (Microsoft Corporation) — session replay and heatmaps that record how visitors move, click and scroll through pages. Clarity does not load unless you click “Allow recording” on the notice shown on your first visit. If you decline, nothing is recorded. Typed text in form fields is masked. You can change your choice at any time via the “Recording preferences” link in the site footer. Microsoft’s handling of this data is described in the Microsoft Privacy Statement.
• Google reCAPTCHA (Google LLC) — protects our forms from automated abuse. It collects hardware and software information and sends it to Google for analysis, subject to the Google Privacy Policy and Terms of Service.

These providers act as our service providers and do not use this information to identify you personally on our behalf. You can block or delete cookies in your browser at any time; doing so may affect some site features.

Information sharing

We do not sell your personal information, and we do not share it with third parties for their marketing purposes. We may share information only:

• With your authorization, with the wholesale lender(s) and settlement service providers (such as escrow, title, and appraisal) involved in originating and closing your loan;
• With service providers that help us operate our website and business (such as hosting and analytics providers), who are required to keep your information confidential and secure;
• When required by law, such as in response to a subpoena, regulatory examination, or other legal obligation.

For the avoidance of doubt: no mobile opt-in or text message consent will be shared with third parties or affiliates under any circumstances.

Your rights

You may request the following regarding your personal information:

• Access: a copy of the personal information we hold about you.
• Correction: an update to inaccurate information.
• Deletion: deletion of your personal information, subject to legal and regulatory retention requirements that apply to mortgage records.
• Portability: your personal data in a structured, commonly used format.

California residents may have additional rights under the California Consumer Privacy Act (CCPA/CPRA). To exercise any of these rights, contact us using the details below.

Data security

Optima Financing uses reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure.

Data retention

We retain personal information only as long as necessary for the purposes described above, including the recordkeeping periods required of licensed mortgage loan originators and their sponsoring companies under applicable state and federal law.

Data breach notification

In the event of a data breach affecting your personal information, we will notify affected individuals within a reasonable timeframe, in compliance with applicable laws.

Links to third-party websites

Our website may contain links to third-party websites (for example, NMLS Consumer Access). We are not responsible for the privacy practices of those websites and encourage you to review their policies.

Changes to this Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted at https://optimafinancing.com/privacy-policy. Please review this page regularly.

Contact information

Optima Financing
Phone: (657) 577-9108 ext. 101
Email: sam.razavi@optimafinancing.com
Seyed (Sam) Razavi · NMLS #985351 · CA DRE #01933447 · FL OFR #LO105146
Optima Financing · CA DRE Corp License #02074306
C2 Financial Corporation · NMLS #135622 · FL OFR #MBR3519 · TX SML #135622