Ascent Developer Solutions LLC
Privacy Policy and California Notice at Collection
Updated: November 1, 2026
Ascent Developer Solutions LLC, NMLS #2533498 (“Ascent,” “we,” “us,” or “our”) respects privacy and is committed to being transparent about how we collect, use, disclose, and protect personal information.
This Privacy Policy explains how we handle personal information when you visit ascentds.com, use online forms or pages that link to this Privacy Policy, communicate with us, submit an inquiry or application, interact with us as a borrower, guarantor, sponsor, principal, broker, business representative, investor contact, vendor contact, or other transaction participant that links to this Privacy Policy (collectively, the “Services”).
Ascent is a business-purpose private lender. Our Services are intended for business, commercial, investment, construction, development, and other non-consumer purposes. The Services are not intended for consumer-purpose loan activity or for loans obtained primarily for personal, family, or household purposes.
This Privacy Policy is intended to serve as our California Notice at Collection where required. It does not apply to job applicants, employees, contractors, or other personnel where Ascent provides a separate workforce privacy notice. It also does not replace any separate financial privacy notice, loan document, servicing notice, or transaction-specific disclosure that may apply to a particular product, service, or relationship.
We do not knowingly collect personal information from children under 16. The Services are intended for business and commercial users, not children.
1. Personal Information We Collect
The personal information we collect depends on your relationship with us and how you interact with the Services. The chart below summarizes the categories of personal information we may collect, examples, sources, purposes, and retention approach.
Based on our current practices, Ascent does not sell personal information and does not share personal information for cross-context behavioral advertising, as those terms are defined under California law. We have not sold or shared personal information in the preceding 12 months.
Category | Examples | Sources | Primary Uses / Retention |
|---|---|---|---|
Identifiers and Contact Information | Name, mailing address, property address, business address, email address, phone number, IP address, online identifiers, account username, signature, NMLS or license number, company affiliation. | You; your company; brokers; referral sources; transaction parties; public records; service providers; automatic collection through the Services. | Respond to inquiries; process applications; verify identity and authority; administer accounts; communicate; provide and service products; security; compliance. Retained as reasonably necessary for the purposes described in this Policy, including legal, regulatory, servicing, audit, recordkeeping, fraud-prevention, and dispute-resolution purposes. |
Customer Records and Financial Information | Social Security number, taxpayer identification number, driver’s license or passport information, bank account information, credit reports, credit scores, tax returns, financial statements, assets, liabilities, income, net worth, liquidity, payment history, loan history, default or foreclosure history. | You; guarantors; borrower entities; credit bureaus; banks; brokers; service providers; public records; transaction partners. | Evaluate loan requests; verify identity and authority; assess creditworthiness and financial capacity; underwrite, originate, service, modify, extend, or pay off loans; comply with legal obligations. Loan, financial, and compliance records may be retained for legally required or operationally necessary periods. |
Commercial, Loan, Property, and Transaction Information | Loan type, requested loan amount, loan status, draw requests, payoff requests, extension requests, collateral information, property address, budgets, plans, invoices, lien waivers, insurance, title/escrow information, appraisals, inspections, transaction communications. | You; borrower entities; guarantors; brokers; title/escrow; appraisers; inspectors; contractors; insurers; service providers; public records. | Process, evaluate, close, fund, service, monitor, sell, transfer, or enforce loans; manage collateral; process draws, payoffs, extensions, and loan-related requests. |
Business and Professional Information | Company name, title, role, business contact information, real estate or development experience, licenses, professional history, references, business relationships, authorized-user status. | You; your company; brokers; referral sources; public sources; service providers. | Manage business relationships; verify authority; conduct diligence; assess experience and qualifications; communicate with you and the business you represent. |
Internet or Other Electronic Network Activity | Device type, browser type, operating system, IP address, referring URL, pages viewed, links clicked, session information, date/time stamps, cookie identifiers, portal logs, form interactions. | Cookies, pixels, logs, analytics tools, similar technologies, and service providers. | Operate, secure, debug, analyze, and improve the Services; prevent fraud; understand website usage. Generally retained for a shorter operational period unless needed for security, fraud prevention, analytics, legal, or business records. |
Audio, Electronic, Visual, or Similar Information | Voicemails, call recordings where notice/consent is provided, chat transcripts, meeting recordings where notice is provided, email content, document images, uploaded files. | You; recorded communications; document uploads; customer support channels; service providers. | Communicate with you; provide support; document instructions; train personnel; improve service quality; maintain records; legal and compliance purposes. |
Protected Classification or Legally Required Demographic Information | Date of birth, marital status, citizenship or immigration status, race, ethnicity, sex, or other information if required or permitted for lending, compliance, fraud-prevention, or legal purposes. | You; borrower entities; service providers; public records; legally required forms. | Legal and regulatory compliance; fraud prevention; underwriting and servicing where permitted or required by law. |
Inferences and Derived Information | Preferences, portal usage patterns, document review flags, fraud or risk indicators, underwriting attributes, marketing or service-interest indicators. | Created from information we collect; service providers; analytics providers. | Improve Services; identify relevant products or communications; evaluate requests; assist with fraud prevention, diligence, underwriting, and servicing. |
Sensitive Personal Information | Government identifiers, financial account information, account credentials, precise geolocation if enabled, racial or ethnic origin, citizenship or immigration status, contents of communications where Ascent is not the intended recipient, and other information defined as sensitive under applicable law. | You; borrower entities; guarantors; service providers; public records; transaction partners. | Provide requested services; verify identity; evaluate and service loans; comply with law; prevent fraud; secure accounts; perform legally permitted purposes. Retained only as reasonably necessary for permitted purposes, legal obligations, risk management, servicing, audit, recordkeeping, fraud prevention, and dispute resolution. |
2. Sources of Personal Information
We may collect personal information from the following sources:
1. You directly, including when you submit a contact form, request information, submit an application, upload documents, send us an email, call us, text us, attend a meeting, or otherwise communicate with us.
2. Businesses or entities you represent, including borrower entities, affiliated entities, employers, brokers, guarantors, investors, vendors, or transaction parties.
3. Third parties involved in a transaction, such as brokers, referral sources, title companies, escrow companies, appraisers, inspectors, contractors, insurance providers, consultants, loan servicers, lenders, capital providers, investors, and other deal participants.
4. Service providers and vendors, including hosting providers, CRM providers, analytics providers, fraud-prevention providers, identity-verification providers, document-management providers, credit bureaus, background-check providers, communications vendors, IT vendors, and professional advisors.
5. Publicly available sources, including government records, property records, court records, licensing records, public websites, and other publicly available information.
6. Automatic collection technologies, including cookies, pixels, web beacons, server logs, analytics tools, and similar technologies.
3. How We Use Personal Information
We may use personal information for the following business and commercial purposes:
1. To operate, maintain, secure, and improve our website, systems, and Services.
2. To respond to inquiries, requests, applications, and communications.
3. To evaluate, underwrite, approve, decline, structure, originate, fund, service, modify, extend, transfer, sell, enforce, or otherwise manage business-purpose loans and related products.
4. To verify identity, authority, credentials, signatures, account access, and eligibility.
5. To assess creditworthiness, financial capacity, collateral, project feasibility, borrower experience, fraud risk, transaction risk, and compliance requirements.
6. To process document submissions, loan applications, letters of intent, construction draws, payoff requests, extension requests, servicing requests, and other transaction-related requests.
7. To communicate with you regarding products, services, transactions, applications, accounts, document status, deadlines, updates, and customer support.
8. To send marketing or informational communications where permitted by law, subject to applicable opt-out rights.
9. To personalize or improve your experience with our Services.
10. To conduct analytics, testing, research, troubleshooting, and performance measurement.
11. To detect, investigate, prevent, or respond to fraud, security incidents, misuse, unauthorized access, or unlawful activity.
12. To comply with legal, regulatory, licensing, audit, tax, accounting, reporting, recordkeeping, subpoena, litigation, and law-enforcement obligations.
13. To exercise, establish, defend, or enforce legal rights, contracts, loan documents, security interests, and remedies.
14. To conduct business transactions, including mergers, acquisitions, financing transactions, loan sales, servicing transfers, securitizations, asset sales, reorganizations, or similar transactions.
15. For any other purpose disclosed to you or permitted by law.
4. How We Disclose Personal Information
We may disclose personal information to the following categories of recipients for the purposes described in this Privacy Policy:
1. Affiliates and related companies.
2. Service providers and contractors, including website hosting providers, IT providers, cloud-storage providers, CRM providers, email and communications providers, customer-support vendors, document-management vendors, analytics providers, identity-verification providers, fraud-prevention providers, credit-reporting and background-check providers, payment processors, and other vendors that help us operate our business.
3. Transaction parties, including brokers, borrower entities, guarantors, title companies, escrow companies, appraisers, inspectors, contractors, insurance providers, consultants, capital providers, lenders, loan purchasers, investors, servicers, rating agencies, trustees, custodians, and other parties involved in evaluating, originating, funding, servicing, transferring, selling, or enforcing a loan or related transaction.
4. Businesses or entities you represent, where appropriate to administer our relationship with that business or entity.
5. Professional advisors, including attorneys, accountants, auditors, consultants, insurers, and compliance advisors.
6. Government authorities, regulators, courts, law enforcement, and other third parties, where required or permitted by law, subpoena, court order, legal process, regulatory request, or to protect rights, safety, property, or security.
7. Parties to business transactions, including potential or actual buyers, lenders, investors, successors, assignees, or other parties in connection with a merger, acquisition, financing, securitization, loan sale, servicing transfer, asset sale, bankruptcy, reorganization, or similar transaction.
8. Other parties with your consent or at your direction.
We do not disclose SMS opt-in consent or phone numbers collected for SMS purposes to third parties or affiliates for their own marketing purposes.
5. Sale or Sharing of Personal Information
Based on our current practices, Ascent does not sell personal information and does not share personal information for cross-context behavioral advertising, as those terms are defined under California law. We have not sold or shared personal information in the preceding 12 months.
We also do not knowingly sell or share personal information of consumers under 16 years of age.
If our practices change, we will update this Privacy Policy and provide any required “Do Not Sell or Share My Personal Information” link, opt-out mechanism, and Global Privacy Control processing information.
6. Cookies, Analytics, and Similar Technologies
We and our service providers may use cookies, pixels, web beacons, server logs, analytics tools, and similar technologies to operate and secure the Services, remember settings, understand usage, measure website and marketing performance, troubleshoot errors, prevent fraud and misuse, and improve our Services.
You can usually set your browser to remove or reject cookies. Some parts of the Services may not function properly if cookies are disabled.
Some browsers include “Do Not Track” or similar settings. Because there is not yet a uniform industry standard for these signals, our response may depend on the nature of the signal and applicable law. If we are required to treat an opt-out preference signal, such as Global Privacy Control, as a valid request to opt out of sale or sharing, we will do so in accordance with applicable law.
If we use session-replay, chat-monitoring, call-recording, meeting-recording, or similar technologies, we will provide notice and obtain consent where required by law.
7. Sensitive Personal Information
We may collect sensitive personal information where reasonably necessary to provide requested services, evaluate or service transactions, verify identity, maintain account security, prevent fraud, comply with law, or carry out other legally permitted purposes.
Based on our current practices, we do not use or disclose sensitive personal information for purposes that would require a right to limit under California law. If our practices change, we will provide any required notice and opportunity to limit.
8. Artificial Intelligence and Automated Tools
We may use automated tools, analytics, document-processing tools, fraud-prevention tools, or AI-supported systems to assist with business operations, document review, data extraction, customer support, security, fraud prevention, marketing analytics, underwriting support, servicing support, or improvement of our Services.
These tools may assist Ascent personnel, but they do not replace Ascent’s review, discretion, underwriting judgment, approval authority, or rights under any loan document or other transaction document. If we use automated decisionmaking technology in a manner that gives rise to additional rights under applicable law, we will provide any required pre-use notice, opt-out rights, access rights, or other required disclosures.
9. Communications, SMS, Calls, and Recordings
We may communicate with you by email, phone, text message, mail, or other lawful means.
If you consent to receive SMS/text messages from Ascent, you may receive messages related to inquiries, applications, accounts, transactions, customer care, reminders, and other informational or transactional purposes. Message and data rates may apply. Message frequency may vary. You may opt out of SMS messages by replying STOP and may request help by replying HELP, where supported.
If we record calls, meetings, chats, or similar communications, we will provide notice and obtain consent where required by law. If you do not wish to be recorded, you should not continue with the recorded communication and should contact us through another available method.
You may opt out of marketing emails by using the unsubscribe link in the email or by contacting us as described below. Even if you opt out of marketing communications, we may still send non-marketing communications, such as messages about your account, application, transaction, legal notices, servicing matters, or our ongoing business relationship.
10. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including to provide Services, process inquiries and applications, administer accounts, evaluate and service loans, maintain business records, comply with legal and regulatory obligations, prevent fraud, resolve disputes, enforce agreements, and protect rights and security.
The criteria used to determine retention periods include the nature and sensitivity of the information; the purposes for which it was collected; the length of our relationship with you, the business you represent, or the relevant transaction; applicable legal, regulatory, tax, accounting, audit, and recordkeeping requirements; applicable limitation periods and potential disputes; fraud-prevention, security, and risk-management needs; and whether the information is contained in loan, servicing, collateral, compliance, or transaction records.
11. Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction. However, no website, system, transmission, or storage method is completely secure. You are responsible for maintaining the confidentiality of your account credentials and for notifying us promptly if you believe your account or communications with us have been compromised.
12. Your California Privacy Rights
If you are a California resident and the CCPA applies to Ascent and to the personal information at issue, you may have the following rights, subject to applicable exceptions:
1. Right to Know / Access. You may request that we disclose the categories or specific pieces of personal information we collected about you, the categories of sources, the purposes for collection, selling, sharing, or disclosure, and the categories of third parties to whom we disclose personal information.
2. Right to Delete. You may request that we delete personal information we collected from you, subject to exceptions.
3. Right to Correct. You may request that we correct inaccurate personal information we maintain about you.
4. Right to Opt Out of Sale or Sharing. You may request that we stop selling or sharing your personal information. Based on our current practices, we do not sell personal information or share personal information for cross-context behavioral advertising.
5. Right to Limit Use and Disclosure of Sensitive Personal Information. You may have the right to limit certain uses and disclosures of sensitive personal information if we use or disclose it for purposes beyond those permitted by law. Based on our current practices, we do not use or disclose sensitive personal information in a manner that gives rise to this right.
6. Right to Non-Discrimination. We will not unlawfully discriminate against you for exercising your privacy rights.
7. Authorized Agent. You may authorize another person or a business entity registered with the California Secretary of State to submit a request on your behalf, subject to verification and proof of authorization.
13. How to Exercise Privacy Rights
California residents may submit privacy requests through the following methods:
Email: licensing@ascentds.com
Mail: Ascent Developer Solutions LLC, 15821 Ventura Boulevard, Suite 200, Encino, CA 91436
Toll-Free Number: 1-888-341-4503
We will verify your request by matching the information you provide with information we maintain. We may request additional information if needed to verify your identity, confirm your authority, or process your request. We will use information provided for verification only for that purpose, except as permitted by law.
We may deny a request where an exception applies, including where retaining information is necessary for legal, regulatory, security, fraud-prevention, transaction, servicing, recordkeeping, or dispute-resolution purposes.
An authorized agent may submit a request on your behalf. We may require the agent to provide proof of authorization and may require you to verify your identity directly with us or confirm that you authorized the agent to submit the request.
14. Financial Privacy and Credit Information
Certain financial, credit, or transaction-related information may be subject to separate federal or state financial privacy, credit reporting, lending, servicing, or recordkeeping laws. Where applicable, those laws and any related notices may supplement this Privacy Policy. Nothing in this Privacy Policy limits Ascent’s rights or obligations under applicable loan documents, servicing arrangements, legal obligations, or regulatory requirements.
15. Deidentified and Aggregated Information
We may create or use deidentified, aggregated, or anonymized information. We will maintain and use deidentified information in deidentified form and will not attempt to reidentify it except as permitted by law.
16. California “Shine the Light” Notice
California Civil Code Section 1798.83 may permit California residents who have an established business relationship with us for personal, family, or household purposes to request information regarding our disclosure of certain personal information to third parties for those third parties’ direct marketing purposes during the preceding calendar year.
To make such a request, contact us at licensing@ascentds.com or by mail at the address listed below and include “California Shine the Light Request” in your request.
Based on our current practices, we do not disclose personal information to third parties for their own direct marketing purposes unless you consent or unless otherwise permitted by law.
17. Third-Party Websites and Services
The Services may contain links to third-party websites, platforms, plug-ins, or services. This Privacy Policy does not apply to third-party websites or services that we do not control. We are not responsible for the privacy practices of third parties. You should review the privacy policies of any third-party websites or services you visit or use.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date above. If we make material changes, we will provide additional notice where required by law, such as by posting a notice on our website or providing another appropriate notice.
19. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Ascent Developer Solutions LLC
15821 Ventura Boulevard, Suite 200
Encino, CA 91436
Email: licensing@ascentds.com
Toll-Free Number: 1-888-341-4503
