Privacy Policy

Effective Date: September 15, 2025

CaliRefi (“we,” “our,” “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, share, and safeguard information you provide when you visit or submit information through CaliRefi.com, a marketing website owned and operated by Kohen Financial Group (NMLS #491908).

1. Information We Collect

Personal Information: Name, address, email, phone number, property value, loan balance, and related details you enter on our site.
Device & Analytics Data: IP address, browser type, operating system, referring URLs, and pages viewed, collected automatically for analytics and security.
Cookies & Pixels: We use tracking technologies to measure campaign performance and improve site functionality.

2. How We Use Information

To connect you with licensed lenders and mortgage professionals for potential refinance or home equity loan options.
To communicate with you regarding your inquiry or related financial services.
To comply with applicable laws and maintain records for compliance and auditing purposes.
To analyze traffic, measure advertising performance, and improve user experience.

3. How We Share Information

With Partners and Lenders: We may share your information with licensed lenders, mortgage brokers, or marketing partners to fulfill your request.
With Service Providers: Third-party vendors assisting with hosting, analytics, advertising, or customer support.
As Required by Law: To comply with subpoenas, court orders, or legal processes.

4. Data Security

We use SSL encryption, firewalls, and access controls to protect your information. However, no system is entirely secure, and we cannot guarantee absolute protection.

5. Retention and Deletion

We retain personal data as long as necessary to fulfill the purposes outlined above or to comply with legal obligations. You may request deletion of your information by contacting us at support@calirefi.com.

6. Your Rights Under CCPA

California residents have the right to:

Request access to the personal information we collect.
Request deletion of your personal data (subject to legal exceptions).
Opt out of the sale or sharing of your personal information with third parties.

To exercise these rights, contact us at support@calirefi.com with the subject line “CCPA Request.” CaliRefi does not knowingly sell personal information of minors under 16 years of age.

7. TCPA Consent

By submitting your information, you consent to be contacted by CaliRefi, Kohen Financial Group, and their marketing or lending partners by telephone, text, or email (including automated and pre-recorded messages) at the number or email you provided. Consent is not required to make a purchase. To opt out, email support@calirefi.com.

8. Changes to This Policy

We may update this Privacy Policy periodically. The “Effective Date” above indicates the latest revision.

9. Contact Us

For questions about this policy, contact:
Email: support@calirefi.com
Mailing Address:
CaliRefi / Kohen Financial Group
12100 Wilshire Blvd #800
Los Angeles, CA 90025

9. Do Not Sell or Share My Personal Information

California residents have the right to opt out of the sale or sharing of their personal information. Although CaliRefi does not sell personal data in exchange for money, we may share information with our marketing or lender partners to connect you with relevant financial offers — which may be considered a “sale” or “sharing” under California law.

To exercise your right to opt out, you can email support@calirefi.com with the subject line “Do Not Sell or Share My Personal Information,” or write to us at:

CaliRefi / Kohen Financial Group
12100 Wilshire Blvd #800
Los Angeles, CA 90025

We will honor your request in accordance with applicable law and confirm once your data has been removed or restricted from further sharing.

10. Contact Us

For questions about this policy, contact:
Email: support@calirefi.com
Mailing Address:
CaliRefi / Kohen Financial Group
12100 Wilshire Blvd #800
Los Angeles, CA 90025

Terms of Use & Disclosures

Effective Date: September 15, 2025

1. Agreement to Terms

By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please discontinue use of the site.

2. Nature of Services

CaliRefi is a marketing website owned and operated by Kohen Financial Group (NMLS #491908). CaliRefi is not a lender, broker, or financial advisor. We connect consumers with licensed mortgage professionals who may offer refinancing or home equity loan products.

3. No Guarantee of Approval or Savings

Submitting information through this website does not guarantee loan approval or specific savings. All loan programs are subject to lender terms, credit approval, and verification of information. Rates, fees, and terms are subject to change without notice.

4. User Representations

By submitting information, you represent that all details provided are true, accurate, and complete to the best of your knowledge.

5. TCPA Consent

By submitting your information, you consent to receive communications from CaliRefi, Kohen Financial Group, and their lender partners via phone, SMS, or email (including automated systems). You may revoke consent at any time by emailing support@calirefi.com.

6. Third-Party Links

This website may contain links to external sites. CaliRefi is not responsible for the content, privacy practices, or accuracy of those websites.

7. Limitation of Liability

CaliRefi and Kohen Financial Group shall not be liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on information herein. All information is provided “as is” without any warranty, express or implied.

8. Dispute Resolution & Arbitration

Any dispute arising from your use of this website or services shall be resolved through binding arbitration conducted in Los Angeles County, California, under the rules of the American Arbitration Association. You waive the right to bring claims in court or participate in class actions.

9. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

10. Modifications

We may revise these Terms at any time without notice. Continued use of the website constitutes acceptance of any revised terms.

Contact Us

We’re here to help with any inquiries or privacy requests.

Email: support@calirefi.com
Mailing Address:
CaliRefi / Kohen Financial Group
12100 Wilshire Blvd #800
Los Angeles, CA 90025

Business Hours:
Monday–Friday: 9:00 AM – 6:00 PM PST
Saturday–Sunday: Closed

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