Privacy Policy
Hoa Phat (“Hoa Phat”) understands the importance of protecting your privacy. Hoa Phat values your trust and is committed to protecting and safeguarding confidential non-public information in accordance with the industry’s best practices and applicable state, federal, and international laws. Below is a description of the types of information obtained, how it is used, and how it is protected.
Collection and Use of Information
Hoa Phat collects confidential non-public information in order to conduct business for which non-public information is otherwise necessary to execute, administer, or enforce transactions. Additionally, such information assists Hoa Phat in providing you with a higher quality of products and services and prompt response to your financial services’ needs and inquiries. Hoa Phat collects non-public personal information from a variety of sources, which may include:
- Transaction applications, questionnaires, and other forms; and
- Consumer and information reporting agencies, as appropriate.
We collect the following types of Personal Data:
Identifiers and Contact Information
- Email address
- First name and last name
- Phone number
- Physical address, City, State, Province, ZIP/Postal code
Location and Device Information
- Geographic location (GPS) (collected with your explicit consent)
- Device ID and Usage Data
Purpose for Using Personal Data
Hoa Phat may use Personal Data for the following purposes:
- To provide and maintain the Service: Including monitoring the usage of our Service.
- To manage your account: To manage your registration as a user of the Service.
- To contact you: To contact you by phone or other equivalent electronic communication forms regarding contracted functions, products, or services.
- To manage your requests: To manage and process your request to us.
- For data analysis: To analyze trends, operate, and evaluate the performance of the Service, using tools such as Google Analytics/Firebase.
Disclosure of Personal Data
We may share your personal information in the following situations:
- With Service Providers: We may share your information with Service Providers to monitor and analyze the use of our Service, such as Google Analytics/Firebase.
- For Legal Compliance: We may disclose your Personal Data in the good faith belief that such action is necessary to comply with a legal obligation or to respond to valid requests by public authorities (e.g., a court order or government agency).
Sharing Information with Third Parties
Hoa Phat discloses only non-public personal information to related companies and non-affiliated third parties when the same is necessary to execute, administer, or enforce transactions in connection with the operating and processing of a financial product or service authorized or requested by you. Hoa Phat does not disclose information about you or your transaction history, nor about former consumers or former agents to non-affiliated third parties for their independent use unless:
- The consumer or agent has authorized disclosure;
- The information is provided as a part of a transaction initiated by consumer or agent; or
- The disclosure otherwise is lawfully permitted or required.
Right to Financial Privacy Act
The Right to Financial Privacy Act (RFPA) imposes limitations on the authority of government agencies to acquire records of an individual’s financial transactions. No government authority may obtain copies of or have information containing the financial records of any customer from a financial institution unless provided for under the exceptions of RFPA, 1978, 12 USC § 3410 et seq.
Security of Information
The security of your non-public information is a top priority for Hoa Phat. Confidential Non-Public Information is protected by maintaining physical, electronic, and procedural safeguards that meet or exceed the requirements of applicable law. Confidential Non-Public Information is restricted to those employees who need to have access to the information in order to provide you with products or services or when required to respond to a legal request.
Employees are trained in the proper handling of Confidential Non-Public Information and must adhere to Hoa Phat’s privacy policies. Employees who violate these policies are subject to disciplinary action, up to and including termination. Third-party vendors or contractors that are engaged in order to effect transactions are subject to contractual requirements to ensure that sensitive personal Confidential Non-Public Information is safeguarded.
The security of your Personal Data is important to us, but no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Reasons we can share your personal information
| Reason | Does Hoa Phat share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes such as to process your transactions, maintain your account(s), or respond to court orders and legal investigations | Yes | No |
| For our marketing purposes to offer our products and services to you | Yes | Yes |
| For joint marketing with other financial companies | Yes | Yes |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |
| For non-affiliates to market to you | Yes | Yes |
To limit our sharing
Opt-out right (except for California consumers)
If you prefer that we limit sharing with affiliates or non-affiliated third parties as described above, you may opt out of those disclosures as follows:
Call 1 (866) 531-6363 or visit us online at www.scpihoaphat.com and modify your user settings, or mail the form below to:
Hoa Phat
14361 Beach Blvd, #103
Westminster, CA 92683
California Privacy Notice
This section applies to California residents pursuant to the CCPA/CPRA and CalOPPA.
A. California Privacy Rights
If you are a California resident, you have the following rights:
- Right to Know: The right to request that we disclose the categories of personal information we collect, the sources of the collection, the business purposes for its use, and the categories of third parties with whom we share it.
- Right to Request Deletion: The right to request the deletion of your personal information that we have collected, subject to certain exceptions.
- Right to Opt-Out of Sale or Sharing: We do not sell or share your personal information for cross-context behavioral advertising purposes.
To exercise these rights, please contact us using the contact information below.
B. CalOPPA
Pursuant to CalOPPA, we agree as follows:
- Users can visit our site without revealing Personal Information.
- We will post a link to this Privacy Policy on our home page or on the first significant page after entering the website.
- Our link contains the word “Privacy.”
- We will notify users of any Privacy Policy changes on our Privacy Policy page.
- Users are able to change their Personal Information by logging into their account.
- We do not honor Do Not Track (DNT) signals.
California Customers
Hoa Phat will disclose information about consumers with a California mailing address only with your consent, unless otherwise permitted or required by law. California consumers should contact us for instructions on how to deliver their consent.
Note: Disclosures not subject to an opt-out choice include: disclosures necessary to effect, administer, or enforce a transaction you request; disclosures to our authorized service providers; and disclosures permitted or required by law to prevent fraud or other illegal activities.
Contact Us / Questions
If you have any questions about this Privacy Policy, you can contact us:
- By visiting this page on our website: https://www.scpihoaphat.com/
- Call 1 (866) 531-6363 or visit us online: www.scpihoaphat.com
- Mail to:
Hoa Phat
14361 Beach Blvd #103
Westminster, CA 92683