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Privacy Policy and Disclosures

Penny Lane Financial, LLC is a licensed insurance broker in Washington and Arizona state NPN #17702278. Mortgage license NMLS #1905686

Penny Lane Financial, LLC Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number or other details to help you with your experience.

When do we collect information?

We collect information from you when you fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

      • To follow up with them after correspondence (live chat, email or phone inquiries)

We do not use cookies for tracking purposes

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.that make your site experience more efficient and may not function properly.

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

Third-party links

We do not include or offer third-party products or services on our website.


Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. 

We use Google AdSense Advertising on our website.

Google, as a third-party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

We have implemented the following:

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

      • Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.


The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

      • Send information, respond to inquiries, and/or other requests or questions

      • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:

      • Not use false or misleading subjects or email addresses.

      • Identify the message as an advertisement in some reasonable way.

      • Include the physical address of our business or site headquarters.

      • Monitor third-party email marketing services for compliance, if one is used.

      • Honor opt-out/unsubscribe requests quickly.

      • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at and we will promptly remove you from ALL correspondence.


Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.

Penny Lane Financial

1804 W Union Ave

Tacoma, WA 98405

United States


Last Edited on 2023-8-9



Penny Lane Financial, LLC dba Penny Lane Reverse

NMLS #1905686 WA State, NMLS #1034711 AZ State

NMLS Consumer Access - click here


This communication is not an offer to lend or an advertisement for credit as defined by the Truth in Lending Act (TILA). The information provided in this email and on our website is for informational purposes only and should not be considered as financial advice.

A Reverse Mortgage is a complex financial product, and its availability and terms may vary based on your location, age, home value, and other factors. It is essential to consult with a qualified financial advisor and/or a Reverse Mortgage specialist to determine if a Reverse Mortgage is suitable for your specific financial situation.

The content of this email and our website is subject to change without notice, and Penny Lane Financial, LLC dba Penny Lane Reverse does not guarantee the accuracy, completeness, or suitability of the information provided. We recommend that you verify all information before making any financial decisions.

Borrowers should be aware that a Reverse Mortgage will accrue interest and that the loan balance may increase over time. The loan must be repaid when the last borrower no longer occupies the home as their primary residence or fails to meet other obligations of the loan.

If you decide to proceed with a Reverse Mortgage application, you will be required to complete a counseling session with an independent HUD-approved counselor. This counseling session aims to ensure that you fully understand the terms and consequences of a Reverse Mortgage.

Penny Lane Financial, LLC dba Penny Lane Reverse is not affiliated with any government agency. We are a private company offering Reverse Mortgage services. This email and our website are not endorsed or sponsored by any government agency.

By using this website or providing your contact information, you consent to receive communications from Penny Lane Reverse email or other means. We will use your information solely for the purpose of responding to your inquiries or providing you with relevant information about Reverse Mortgages.

For further information about our privacy practices, please review our Privacy Policy on our website.

© 2023 by Penny Lane Financial, LLC DBA Penny Lane Reverse

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