Privacy Policy
At Cardinal Financial Company, Limited Partnership, doing business as Sebonic Financial(“Sebonic Financial”), we understand the importance of your personal and financial information (“Financial Information”). To protect your Financial Information, Sebonic Financial has adopted the following privacy policy. By sharing Financial Information with Sebonic Financial, whether through the Internet, over the phone, or other, you are indicating that you understand and consent to the following.
Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don't knowingly attempt to solicit or receive any information from children.
How We Use Your Information
Sebonic Financial will use your Financial Information (such as name, address, social security number, telephone number, email address, etc.) to provide you with the financial services you request, to provide you with information about our financial services and offerings, and for our other everyday business purposes, such as to respond to court orders, comply with regulatory requirements, and conduct internal analysis.
Sebonic Financial may use your Financial Information or website activity to send you email marketing communications. Sebonic Financial may also use your Financial Information and website analytics to deploy targeted digital marketing and targeted offers.
If you do not want to receive these offers or promotions, send an email to privacy@sebonic.com or call 866.336.8021.
Sebonic Financial will not sell or share your Financial Information with outside companies for their promotional use.
Information Sharing
Sebonic Financial may record and save the Financial Information you share with us. We may share that Financial Information, on a confidential basis, to service providers such as title companies, credit reporting agencies, appraisers, and others who we work with in handling your loan (“Service Providers”).
Cookies & Web Analytics
Sebonic Financial may use “cookies” to help us better understand how customers use our website and to troubleshoot problems with sessions. We may also use cookies to make the experience of using our website easier for our customers.
We use a consent management platform to give you control over which cookies and tracking technologies are active on our website. When you first visit our site, you will be presented with a consent banner allowing you to accept or decline non-essential cookies by category (analytics, marketing, and functional). You may change your preferences at any time through the cookie preferences link in our website footer.
Non-essential cookies and third-party scripts (including analytics, advertising pixels, and session recording tools) are blocked by default and will not load until you provide affirmative consent.
Web Analytics and Web Session Recording Technology
Sebonic Financial uses industry-standard web analytics and session recording technologies to understand how visitors interact with our website. These technologies may track IP address, pages viewed, referrer, and other usage data. We may use site visit recordation technologies, third-party cookies, beacons, tags, and scripts for analytics, marketing, and service improvement purposes.
We reserve the right to remove or add new analytic technologies.
Specific technologies we may use include:
- Google Analytics — Tracks and reports website traffic using cookies. Google may collect a shortened IP address and other usage data. You may opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
- Jornaya — Independently documents user consent for marketing and lead verification. May record page URL, mouse movements, clicks, contact information, IP address, and time on page.
- Facebook Pixel — Identifies website visitors for targeted Facebook ads, Custom Audiences, and conversion tracking.
- Hotjar — Web analytics that measures clicks, mouse movements, and keystrokes to improve user experience and site usability.
- Pinterest — Uses cookies for delivering ads and finding people interested in products and services.
- Twitter/X — Uses pixels for tracking conversions and measuring ad effectiveness.
Chat Bot Technology
Our website may use third-party chat services to assist visitors. These services may record communications for quality assurance, training, and compliance purposes. Responses provided by chat bot or AI technology are for informational purposes only and should not be solely relied upon for financial, legal, or lending decisions. Sebonic Financial disclaims liability for any reliance on automated chat responses. For official guidance, please speak with a licensed loan officer or contact us directly.
Recording & Monitoring Disclosure
In accordance with the California Invasion of Privacy Act (Cal. Penal Code § 631–632.7) and other applicable laws, Sebonic Financial discloses the following recording and monitoring practices:
Chat Sessions
Our website may include a chat feature powered by third-party technology. Chat conversations with our representatives or automated assistants may be recorded and stored for quality assurance, training, compliance, and dispute resolution purposes. You will be asked to provide explicit consent before any chat session begins. If you do not consent to recording, you may contact us by phone or email instead.
Phone Calls
Calls to or from Sebonic Financial may be monitored or recorded for quality assurance, training, and compliance purposes. You will be notified at the beginning of any recorded call.
Form Interaction Recording
Certain forms on our website (such as our rate quote request form) may use third-party verification services, including TrustedForm and Jornaya LeadiD. These services may record your interactions with the form, including keystrokes, mouse movements, and field entries, to verify that you provided consent and to protect against fraud. This recording is limited to the form page and does not extend to other areas of the website. A disclosure is displayed on any page where this recording is active.
Session Analytics
With your consent (provided via our cookie consent banner), we may use analytics and session replay tools to understand how visitors interact with our website. These tools may record mouse movements, clicks, scrolls, and page interactions. Session replay data is anonymized and used solely for improving website usability. These tools are blocked by default and only activate after you opt in through our consent banner.
California Consumer Privacy Act (CCPA) Notice
The California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) grant California residents some rights over how Sebonic Financial manages your personal information. California Law gives California residents the following rights:
- The right to know why we collect Financial Information, what we collect, and how we collect it
- The right to have your Financial Information deleted
- The right to receive equal treatment if you exercise your rights under California Law
We DO NOT sell your Financial Information or allow outside companies to utilize your Financial Information for any reason other than to complete the business purpose for which the information was shared.
Data Categories We Collect
| Category | Examples | Business Purpose(s) |
|---|---|---|
| Identifiers | Name, alias, address, email | Performing services; providing financing; protecting against fraud |
| Sensitive information | SSN, bank accounts | Performing services; providing financing; protecting against fraud |
| Protected classifications | Age, race, etc. | Performing services; compliance with mortgage lending laws |
| Commercial information | Records of products/services | Customer service; analytics; marketing |
| Internet activity | Browsing history, interactions | Providing online products; marketing |
| Professional/employment | Job history, evaluations | Providing financing; servicing; protecting against fraud |
Rights to Know and Delete
California residents may submit a verifiable request to know what personal information we have collected or to request deletion of personal information. To exercise these rights, please contact us by calling 888.531.0386 or emailing privacy@sebonic.com. We will respond to verifiable requests within 45 days of receipt.
Contact Us
For more information about how Sebonic Financial protects your Financial Information, or to get answers to any questions about our privacy policy, email us at privacy@sebonic.com.