Privacy Policy
Lending Sphere, Inc. dba Snow Capped Peaks Real Estate
Last updated: October 1, 2026
This Privacy Policy explains how Snow Capped Peaks Real Estate ("SCP," "we," "us") collects, uses and protects personal information on this website (the "Site") and when you order a report or contact us. It includes the notice California residents are entitled to under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the "CCPA"), and the disclosures required by the California Online Privacy Protection Act (CalOPPA).
The short version: we collect what we need to prepare your report and stay in touch with you about it. We do not sell or share your personal information. We do not use advertising trackers, analytics or cookies on the Site.
Notice at collection
When you fill out our order form or email us, we collect the categories of personal information listed below. We use them to prepare and deliver your report, process payment, respond to you and run our business. We do not sell or share your personal information. How long we keep each category is explained in "How long we keep information" below.
What we collect
| Category (CCPA) | Examples | Where it comes from |
|---|---|---|
| Identifiers | Name, your preferred contact method and contact detail (such as an email address or phone number), and the email address you use at checkout | You and Stripe |
| Customer records and commercial information | Property address and parcel number (APN); beds, baths, square footage, lot size and year built; condition, upgrades and neighborhood notes; your expected sale price and target closing date; costs and payoffs you enter (commission, property taxes, HOA, repairs, concessions, payoff amounts and liens); whether you are an owner or an agent; the report you ordered, price paid, any promo code, and payment confirmation | You, public records, market data sources and Stripe |
| Internet or other network activity | IP address, browser type, and pages requested, recorded in our hosting provider's standard server logs | Your browser and device |
| Inferences | Information in your report, such as an estimated sale price range and estimated net proceeds | Created by us from the information above |
Payment information. Payments are processed by Stripe on its own secure checkout page. We do not receive or store your full card number. Stripe tells us whether a payment succeeded and shares limited details, such as your name, email, the amount, and the card brand and last four digits. Stripe's use of your information is covered by Stripe's privacy policy.
Sensitive personal information. We do not ask for sensitive personal information as defined by the CCPA, such as Social Security numbers, account logins, bank account numbers or government ID numbers. Please do not include it in free-text fields. If you do, we will not use it to infer characteristics about you, and we will use it only as needed to respond to you.
How we use information
We use personal information to:
- prepare, deliver and correct your report
- process payments and refunds, and keep business, tax and accounting records
- respond to questions and give customer support
- keep the Site and our records secure, and prevent fraud and misuse
- improve our reports, using information in a way that does not identify you where we can
- meet legal obligations and enforce our Terms
We do not use your information for targeted advertising, and we do not send marketing emails unless you ask us to.
Who we disclose information to
We disclose personal information to service providers and contractors that help us run our business. They are allowed to use it only to provide services to us:
- Stripe: payment processing (when ordering opens)
- Cloudflare: website hosting and order form processing
- Microsoft: business email
- Data and software providers: property records, market data, and software we use to prepare and check reports
We may also disclose information if the law requires it, to protect our rights or the safety of others, or as part of a sale or reorganization of our business. In that case, this policy continues to apply to your information. We may also keep transaction records as California real estate licensing rules require.
We do not sell or share your personal information
SCP does not sell your personal information. We also do not share it for cross-context behavioral advertising. We have not done either in the past 12 months. We do not knowingly sell or share the personal information of anyone under 16.
Do Not Sell or Share My Personal Information: because we do not sell or share personal information, there is nothing you need to opt out of. If that ever changes, we will update this policy first and give you a clear way to opt out. We treat a Global Privacy Control (GPC) signal from your browser as a request to opt out of sale and sharing.
Your California privacy rights
If you are a California resident, you have the right to:
- Know and access: ask what personal information we have collected about you, the categories of sources, why we collected it, and who we disclosed it to, and get a copy of the specific pieces of information.
- Delete: ask us to delete personal information we collected from you. Some exceptions apply, for example records we must keep for tax or licensing purposes.
- Correct: ask us to correct inaccurate personal information.
- Opt out of sale or sharing: we do not sell or share, but you can always send an opt-out request.
- Limit use of sensitive personal information: we do not use sensitive personal information for purposes that give rise to this right.
- Non-discrimination: we will not deny you service, charge you a different price or give you a different level of service because you used your privacy rights.
How to make a request:
- Email [email protected] with the subject line "Privacy request."
- To protect you, we will verify your request by matching information we already have, such as the email address you used at checkout and the property address on your order.
- You can use an authorized agent. We may ask for proof that the agent is authorized, and we may ask you to confirm your identity directly.
We will confirm we received your request within 10 business days and respond within 45 calendar days. If we need more time, we will tell you why, and we may take up to 45 more days.
How long we keep information
- Orders: order details, the information you gave us, your report and our messages about it are kept for 3 years after delivery. After that we delete them.
- Payment and transaction records: kept for up to 7 years to meet tax and accounting requirements.
- Requests that do not lead to an order: kept for 2 years after our last contact with you.
- Server logs: kept by our hosting provider for a short period under its standard settings.
We may keep information longer if the law requires it, or to resolve a dispute. We keep information for a shorter time when you ask us to delete it and no exception applies.
Cookies, tracking and "Do Not Track"
The Site does not use cookies, analytics or advertising trackers, and it loads no outside fonts or scripts. We do not track you over time or across other websites, and we do not allow other companies to do so through our Site. Because we do not track you, the Site works the same whether or not your browser sends a "Do Not Track" signal.
California "Shine the Light"
We do not disclose personal information to third parties for their own direct marketing purposes.
Children
The Site and our reports are meant for adults. We do not knowingly collect personal information from children under 16. If you think a child has given us information, contact us and we will delete it.
Security
We use reasonable safeguards to protect personal information, including encrypted connections (HTTPS), payment handled entirely by Stripe, and access limited to the people and tools that need it. No method of transmission or storage is completely secure, so we cannot promise absolute security.
Reviewing and changing your information
You can review or correct the information you gave us at any time by emailing [email protected].
Changes to this policy
If we change this policy, we will post the new version on this page and update the date. If we make a material change, we will also note it clearly on the Site.
Contact us
Lending Sphere, Inc. dba Snow Capped Peaks Real Estate
Dave Kucera, Salesperson, DRE #02235901
Email: [email protected]
Phone: 303-305-9421
7522 N Colonial Ave, Ste. 111, Fresno, CA 93711