Privacy Policy

Oreana Creek Solutions LLC‘s Privacy Policy – February 6, 2026

This Privacy Policy (the “Policy”) governs the manner in which Oreana Creek Solutions LLC (“we,” “us,” or “our”) collects, uses, maintains, and discloses information collected from users (“you” or “your”) of our website, services, and SMS communication platforms. By accessing or using our website or services, including opting into SMS communications, you expressly acknowledge and agree to the terms and conditions of this Policy. This Policy is legally binding, and by engaging with our services, you signify your acceptance of the terms outlined herein. If you do not agree to this Policy, you must immediately cease using our services.

1. Information We Collect

Oreana Creek Solutions is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, share, and safeguard your data in compliance with all applicable laws.

  • Personal Information:

This includes information that directly identifies you, such as your name, mailing address, email address, phone number (including mobile/SMS-enabled numbers), and financial details provided through loan applications or other forms.

  • Non-Personal Information:

Technical data, such as IP addresses, browser types, and usage information, is collected through cookies, analytics, and other tracking technologies to improve our website and services.

  • Sensitive Information:

This includes financial data, credit history, and other details necessary for evaluating loan applications. Such information is collected and stored with advanced encryption to ensure confidentiality.

  • Consent Records:

We maintain documentation of your explicit consent for SMS communications, including time-stamped records of opt-ins obtained via forms, verbal agreements, inbound text messages, or mobile QR codes.

All information is collected lawfully and exclusively for the purposes explicitly described in this Policy.

2. How We Use Your Information

We use your information strictly in compliance with applicable laws for the following purposes:

  • Service Delivery: To process loan requests, verify eligibility, and communicate updates (e.g. appointment reminders, updates, notifications).
  • SMS Notifications: To send updates related to account notifications and customer care with your consent.
  • Improvement of Services: To conduct analytics and enhance user experiences.
  • Marketing Communications: To send promotional material only if you have provided explicit consent, with the option to unsubscribe at any time.

We will not use your information for any purposes not disclosed in this Policy without your express consent.

3. Sharing and Disclosure of Information:

 We do not sell, rent, or share your personal information for commercial purposes without your consent. However, we may disclose information under these circumstances:

  • Service Providers: We may share your information with trusted third parties (e.g. loan servicers, payment processors, SMS carriers) who assist us in providing services. These partners are bound by confidentiality and may use the data only to perform services for us.
  • Legal Requirements: We may disclose data if required by law or to protect our legal rights. For example, in response to a subpoena, court order or other regulatory obligations.
  • SMS: SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
  • Business Transfers: If Oreana Creek Solutions is merged or sold, your information may be transferred to the new entity, subject to this policy.
  • No Unpermitted Sharing: We do not share your data with advertisers for marketing without your explicit consent. In line with California law, you have the right to opt out of any sharing that could be considered a “sale” of personal information; currently, we do not engage in such sales.

4. Your Privacy Rights:

Subject to certain limits, you have rights regarding your personal information:

  • Access & Deletion: You may request to know what personal information we hold about you and how we use it, and you can request deletion of your personal data (with some exceptions).
  • Correction and Portability: You have the right to correct inaccurate information we hold about you and to request a copy of your data in a portable format.
  • Limit Use of Sensitive Data: California residents have the right to limit use of their sensitive personal information, such as financial or health data. We will honor such requests as required by law.
  • Opt-Out of Sale/Sharing: While we do not sell your information, California law lets you opt out of any future sale or sharing of your data. To exercise any California privacy rights, please contact us (see below) or use the web form at www.oreanacreeksolutions.com. We will verify your request and respond as required by law.
  • Non-Discrimination: We will not deny goods or services, or charge different prices, to you for exercising these privacy rights.

5. Children’s Privacy: Protecting children’s privacy is especially important to us. It is our policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore we restrict our Web site to persons eighteen years or older.

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.

6. Updates to This Policy

This Policy may be updated at any time. Changes take effect immediately upon publication on our website. Material changes will be communicated to users with active accounts or SMS subscriptions. Continued use of our services after updates constitutes acceptance of the revised terms.

7. Governing Law

This Policy is governed by the laws of the State of California, without regard to conflict of law provisions. Disputes arising from this Policy will be resolved exclusively in California courts.

8. Contact Us

For questions, concerns, or requests regarding this Policy, contact us:

Oreana Creek Solutions LLC
Phone: 307-219-3997
Email: [email protected]
Website: www.oreanacreeksolutions.com

Your use of our services confirms your acknowledgment of and agreement to this Privacy Policy.