Last updated: September 1, 2026

Hyak Financial (“Hyak Financial,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit www.hyakfinancial.com, contact us, submit an inquiry or application, or otherwise interact with us.

By using this website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with us.

Information you provide

When you complete a contact form, commercial loan inquiry, or loan-scenario form, we may collect information such as:

  • Your name, email address, telephone number, company name, and role;
  • A borrower’s name, contact information, and company name when you submit an inquiry on someone else’s behalf;
  • The type, purpose, and requested amount of a loan;
  • Purchase price, down payment, estimated property value, and planned improvement costs;
  • Property type, property address, existing mortgage or lien information, and current lender information;
  • A general description of personal credit, financing needs, or other facts you choose to provide;
  • Referral-source information; and
  • Communications, documents, and other information you provide to us.

Please do not send Social Security numbers, bank-account credentials, payment-card numbers, government identification numbers, or similarly sensitive information through a general website form or ordinary email unless we specifically request the information and provide an appropriate secure method for sending it.

Information collected automatically

When you use our website, we and our service providers may automatically collect information such as:

  • Internet Protocol (IP) address;
  • Browser, device, and operating-system information;
  • Referring and exit pages;
  • Pages viewed, links clicked, and approximate visit times;
  • General location inferred from an IP address; and
  • Cookie, tag, and similar technology data.

Information from other sources

We may receive information from borrowers, applicants, brokers, real estate professionals, consultants, lenders, investors, service providers, public records, and other parties involved in evaluating or arranging a financing request.

If you provide personal information about another person, you represent that you are authorized to provide it and permit us to use it as described in this Privacy Policy.

2. How We Use Information

We may use personal information to:

  • Respond to questions and communicate with you;
  • Evaluate a loan scenario or financing request;
  • Identify potential financing sources, lenders, or investors;
  • Prepare, process, support, and administer requested services;
  • Verify information and prevent fraud, misuse, or security incidents;
  • Operate, maintain, secure, and improve our website and services;
  • Understand website use and measure marketing effectiveness;
  • Maintain business and regulatory records;
  • Comply with applicable laws, legal processes, contractual obligations, and requests from government authorities; and
  • Establish, exercise, or defend legal claims.

We may combine information collected through different interactions when permitted by law.

3. How We Disclose Information

We may disclose personal information as reasonably necessary for the purposes described in this Privacy Policy, including to:

Lenders, investors, and transaction participants

When you ask us to evaluate, arrange, or seek financing, we may disclose relevant information to potential lenders, investors, loan purchasers, brokers, consultants, appraisers, title or escrow providers, attorneys, accountants, and other parties involved in evaluating, structuring, processing, closing, or servicing a possible transaction.

Service providers

We may disclose information to vendors that help us host and secure the website, manage forms and communications, provide analytics, maintain business systems, prevent spam or fraud, and perform other services for us. These providers may use information only as permitted by their agreements with us and applicable law.

Professional advisers and authorities

We may disclose information to lawyers, accountants, auditors, insurers, regulators, law-enforcement agencies, courts, government authorities, or other parties when we believe disclosure is necessary to comply with law, protect rights or safety, investigate fraud or security concerns, or respond to legal process.

Business changes

If Hyak Financial is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, information may be reviewed or transferred as part of that transaction, subject to applicable law.

With your direction or consent

We may disclose information for other purposes when you direct us to do so or provide consent.

Hyak Financial does not sell personal information for money. We do not disclose nonpublic personal information to nonaffiliated third parties except as described in this Privacy Policy, as directed or authorized by you, or as otherwise permitted or required by law.

4. Cookies and Online Services

Our website may use cookies, tags, and similar technologies to operate the site, remember preferences, understand site usage, prevent spam, and measure performance.

Services used on or in connection with the website may include:

  • Google Analytics and Google Tag Manager, which help us understand website traffic and interactions;
  • Google Maps, which may load map or location features; and
  • Meta, Facebook, Instagram, and LinkedIn features, which may provide social content or links to third-party services.

These companies may collect information from your browser or device under their own privacy policies. Their practices are controlled by those companies, not by Hyak Financial.

You can control many cookies through your browser settings. Blocking or deleting cookies may affect website functionality. You may also use the privacy and advertising controls offered by the applicable third-party services.

5. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or disclosure. We also evaluate service providers that handle information on our behalf as appropriate to the nature of the information and service.

No website, email system, or method of electronic transmission or storage is completely secure. We cannot guarantee absolute security. If you believe information you provided to us may have been compromised, contact us promptly using the information below.

6. Data Retention

We retain personal information for as long as reasonably necessary to evaluate and respond to an inquiry, provide requested services, maintain business and regulatory records, comply with legal or contractual obligations, resolve disputes, enforce agreements, and protect against fraud or security threats.

Retention periods vary depending on the type of information, the nature of the relationship or transaction, applicable legal requirements, and legitimate business needs. We may delete or de-identify information when it is no longer reasonably required, subject to legal, regulatory, backup, and recordkeeping obligations.

7. Your Choices and Privacy Requests

You may:

  • Choose not to provide optional information;
  • Ask us to update or correct contact information;
  • Unsubscribe from marketing emails by using the unsubscribe instructions in the message or contacting us; and
  • Adjust cookie controls through your browser or the relevant third-party service.

Depending on where you live and subject to applicable exceptions, you may have additional rights concerning your personal information. To submit a privacy request, contact us using the information below. We may need to verify your identity and authority before completing a request. We will not discriminate against you for exercising a privacy right provided by applicable law.

8. Financial Privacy Notices

Certain financial institutions, products, services, or customer relationships may be governed by additional federal or state financial privacy requirements. When required, we may provide a separate financial privacy notice describing how nonpublic personal information is collected, disclosed, and protected, along with any applicable choices.

This website Privacy Policy is intended to describe our online and general privacy practices. It does not replace any separate notice required by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, or another applicable financial privacy law.

9. Third-Party Websites

Our website may contain links to websites or services operated by other organizations. We are not responsible for the privacy, security, content, or practices of third-party websites. Review the privacy policy of any third-party service before providing information to it.

10. Children’s Privacy

Our website and services are intended for businesses and adults seeking or supporting commercial financing. They are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the website. If you believe a child has provided personal information to us, contact us so we can review and address the matter.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal obligations. The “Last updated” date at the top indicates when the policy was most recently revised. Material changes will be communicated as required by applicable law.

12. Contact Us

Hyak Financial
2435 Strider Lane, Suite 105
Bellingham, WA 98226
Email: gary@hyakfinancial.com
Phone: (360) 739-1079
Website: www.hyakfinancial.com