Using this website
These terms apply to your use of pacificbayfinancial.com and to our text messaging program. By using the website or opting in to text messages, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the website or the messaging program.
Who we are
Pacific Bay Financial Corporation (“Pacific Bay Financial,” “we,” “us”) is a mortgage broker and financial consultant located at 355 Gellert Blvd #110, Daly City, CA 94015, NMLS # 196454. You can verify our license at NMLS Consumer Access. As a broker, we work with third-party lenders. The lender makes the final decision on loan approval, rates, and terms.
No offer or commitment to lend
Information on this website is general and for informational purposes only. It is not an offer to lend, a commitment to lend, or a guarantee of approval, rates, or terms. Loan programs, rates, and terms are subject to change without notice and to borrower and property qualification. Nothing on this website is legal, tax, or accounting advice. Please consult your own attorney or tax advisor for that advice.
Text messaging terms
| Program | Pacific Bay Financial Corporation text messages |
|---|---|
| Messages | Updates about your inquiry or loan, such as appointment reminders, document requests, application status, and replies to your questions |
| Frequency | Message frequency varies |
| Cost | Message and data rates may apply |
| Opt out | Reply STOP at any time |
| Help | Reply HELP, or call (415) 242-0730 |
Opting in
You may agree to receive text messages from us when you give us your mobile number and consent, for example on a form, in your loan application, by telling us directly, or by texting us first. If you separately agree, we may also send occasional messages about loan programs that may interest you. Consent to receive text messages is not a condition of applying for a loan or of any purchase.
Opting out and help
You can cancel at any time by replying STOP to any message. You will receive one message confirming that you have been unsubscribed, and no further messages after that. To rejoin, reply START. For help, reply HELP or call us at (415) 242-0730.
Other terms
- Message and data rates may apply according to your wireless plan. Message frequency varies.
- Wireless carriers are not liable for delayed or undelivered messages.
- You must be at least 18 years old and the account holder, or have the account holder’s permission, to enroll a mobile number.
- If you change or give up your mobile number, please tell us so that messages meant for you do not go to someone else.
- For your security, do not send Social Security numbers, account numbers, or other sensitive financial information by text message. Use our secure application portal instead.
We do not share mobile numbers or text messaging opt-in data and consent with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details.
Third-party services and links
Our online loan application runs on a secure portal operated by a third party (Floify). The website also links to other sites, including Yelp, Google Maps, and NMLS Consumer Access. Those services are governed by their own terms and privacy policies, and we are not responsible for their content or practices.
Our content
The Pacific Bay Financial name and logo, and the text and design of this website, belong to Pacific Bay Financial Corporation or are used with permission. You may view and print pages for your personal use. Please do not copy, modify, or republish them for any other purpose without our written permission.
Disclaimers
We work to keep this website accurate and available, but it is provided “as is” and “as available.” To the fullest extent permitted by law, we make no warranties, express or implied, about the website, its content, or its availability.
Limitation of liability
To the fullest extent permitted by law, Pacific Bay Financial Corporation is not liable for any indirect, incidental, special, or consequential damages arising from your use of this website or the text messaging program. Nothing in these terms limits any rights you have that cannot be limited by law.
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. Any dispute relating to these terms will be heard in the state or federal courts located in San Mateo County, California.
Changes to these terms
We may update these terms from time to time. When we do, we will post the new version on this page and change the effective date above. Continuing to use the website or the messaging program after an update means you accept the updated terms.
Contact us
Questions about these terms or our text messages? Contact us:
Pacific Bay Financial Corporation355 Gellert Blvd #110
Daly City, CA 94015
(415) 242-0730