Privacy Policy
Effective date: July 25, 2026
This Privacy Policy explains how TOK Realty Inc (also doing business as TOK Mortgage; NMLS: 2600017) collects, uses, discloses, and protects personal information through our website www.tok-mortgage.com and in connection with our mortgage brokerage and related services. By using our website or providing information to us, you agree to the terms of this Privacy Policy.
Who we are
TOK Realty Inc
19849 Nordhoff St.
Northridge, CA 91324
Phone: 818-600-1869
Privacy / Compliance email: hq@tok-realty.com
Information we collect
We collect information you provide to us and information we obtain automatically when you use our website or apply for mortgage services. Examples include:
- Identifying information: name, date of birth, driver’s license or government ID numbers.
- Contact information: mailing address, email address, phone number.
- Financial information: Social Security number, bank account numbers, income, employment information, assets, tax returns, pay stubs, and other documents needed to evaluate a mortgage application.
- Credit information: credit reports, credit scores, and related data.
- Transaction and loan information: loan application data, loan terms, property information, payment history.
- Documents and uploads: identity documents, pay stubs, tax records, and other documents you upload to our secure portal.
- Communications: records of your communications with us (email, phone calls, messages) and your preferences.
- Device and usage information: IP address, browser type, operating system, pages visited, referring URLs, device identifiers, and other analytics data.
- Cookies and tracking data: cookies, pixels, and similar technologies used for site functionality, analytics, and advertising.
How we use your information
We use personal information to:
- Evaluate, originate, underwrite, and close mortgage loans and related services.
- Communicate with you about your application, account, and requests.
- Verify your identity and perform required compliance checks (including background and credit checks).
- Share information with lenders, investors, title companies, settlement agents, and other parties necessary to process, close, sell, or service a loan.
- Provide, maintain, and improve our website, products, and services.
- Conduct analytics and measure advertising effectiveness.
- Send service-related communications, transactional messages, and, if you have not opted out, marketing messages (see Opt-out choices below).
- Comply with legal and regulatory obligations, respond to legal process, and protect rights and safety.
Legal bases for processing (where applicable)
For residents of states or jurisdictions where a legal basis is required, we rely on:
- Performance of a contract: to process loan applications and provide loan services you request.
- Legal obligation: to comply with laws and regulations.
- Legitimate interests: to maintain and improve our business, detect fraud, and protect against misuse.
- Consent: where required for certain communications or marketing activities.
Sharing and disclosure of personal information
We may share your personal information with:
- Lenders, investors, and warehouse banks as necessary to evaluate, fund, sell, or service loans.
- Title/settlement agents, escrow companies, appraisers, insurance providers, and other transaction partners to complete loan transactions.
- Service providers and vendors who perform services on our behalf (loan origination systems, document management, cloud hosting, credit reporting agencies, identity verification, email/marketing platforms, analytics providers).
- Credit bureaus and reporting agencies for credit checks and reporting.
- Government, regulatory, law enforcement, or judicial authorities when required by law or to respond to legal process.
- Parties involved in a merger, acquisition, sale of assets, or reorganization (we will notify affected individuals as required by law).
We require vendors and service providers to safeguard personal information and use it only for authorized purposes.
Third-party websites and links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of third parties. Review their policies before providing personal information.
Cookies & tracking
We use cookies, web beacons, pixels, and similar technologies to operate our website, remember your preferences, and understand how you use our site. Purposes include:
- Essential site functionality (required cookies).
- Analytics and performance (to improve site features and measure traffic).
- Advertising and marketing (to deliver relevant ads and measure campaign performance).
You can control cookies through your browser settings and opt out of targeted advertising via industry opt-out tools. Blocking cookies may limit some features of the website.
Marketing and opt-out choices
We may send you marketing emails and other promotional communications. You may opt out of marketing messages at any time by:
- Following the unsubscribe link in the marketing email, or
- Sending an email request to hq@tok-realty.com with “Unsubscribe” in the subject line.
Please note that even if you opt out of marketing, we will still send you service-related and transactional communications necessary to provide mortgage services.
Your rights and choices
Subject to applicable law, you may have the following rights regarding your personal information:
- Access: request a copy of personal information we hold about you.
- Correction: request correction of inaccurate or incomplete information.
- Deletion: request deletion of personal information, subject to legal and contractual exceptions (e.g., retention required for mortgage records).
- Restriction or objection: request restriction of certain processing or object to processing based on our legitimate interests.
- Data portability: where applicable, request a machine-readable copy of certain information.
To exercise your rights, contact us at hq@tok-realty.com. We will verify your identity before honoring requests. Note: We may deny requests where retention or disclosure is required by law or necessary to complete a loan transaction.
California residents — additional notice
Because we operate in California, California residents have certain rights under state law. To exercise these rights or for information about the categories of personal information we collect and disclose, please contact hq@tok-realty.com. We will respond to verifiable requests consistent with applicable law.
Security
We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption of stored data, multi-factor authentication for systems access, access controls, endpoint protection, regular employee training, audits, and incident response procedures. While we use commercially reasonable measures to protect information, no security system is fully secure. If we become aware of a breach affecting your personal information, we will follow applicable breach-notification laws and notify affected individuals and regulators as required.
Data retention
We retain personal information as necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce agreements. In general, we retain mortgage origination and closing records for at least three (3) years and longer where required by law or business needs (certain financial, tax, or employment records may be retained longer).
Children’s privacy
Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under applicable age limits, contact us and we will take steps to delete the information as required by law.
International transfers
We may transfer personal information to service providers and partners located outside your country where legal and operationally necessary. When transfers occur, we take steps to ensure adequate protections are in place.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The “Effective date” at the top will indicate the policy’s last revision. Material changes will be posted on our website and, where required by law, notified to you.
Contact us
For privacy questions, to exercise your rights, or to submit complaints, contact:
Privacy/Compliance
TOK Realty Inc
19849 Nordhoff St., Northridge, CA 91324
Email: hq@tok-realty.com
Phone: 818-600-1869
Copyright © 2024 TOK Realty inc- All Rights Reserved. Licensed by the California Department of Real Estate, 02282302 , NMLS # 2600017
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