Compliance Statement

Oak Beach Lending operates strictly as a funding consulting and referral service. We are not a direct lender and do not make credit decisions.

We ensure that our operations align with:

• Applicable federal and state consumer protection standards
• Fair business and marketing practices
• Truthful, non-misleading communication policies
• Responsible data handling and privacy practices

We hold ourselves to high ethical standards in all client interactions. Oak Beach Lending is committed to:

• Providing clear, accurate, and honest information
• Avoiding deceptive or misleading claims
• Ensuring clients understand the nature of our services
• Presenting realistic expectations about funding options
• Respecting client confidentiality and privacy

Transparency is at the core of our business. We ensure that:

• All disclaimers, terms, and limitations are clearly stated
• Clients understand that funding decisions are made solely by third-party lenders
• Potential options or estimates provided by our specialists are preliminary
• No guarantees are made regarding approval, funding amounts, rates, or timelines
• Clients are encouraged to ask questions and seek clarity whenever needed.

We follow strict privacy and security measures to protect personal and business information, including:

• Secure data transmission practices
• Restricted access to sensitive information
• Compliance with our published Privacy Policy
• Adherence to industry-standard data protection best practices

All funding partners in our network operate independently and are responsible for:

• Their own underwriting processes
• Determination of rates, terms, and conditions
• Compliance with federal and state regulations applicable to their operations

To protect both clients and lending partners, Oak Beach Lending may:

• Verify information submitted through forms
• Request additional supporting documents where appropriate
• Decline interactions where fraudulent or suspicious activity is suspected

We encourage all clients to:

• Review all lender-provided agreements carefully
• Seek legal or financial advice when necessary
• Ensure all information submitted during the funding process is truthful
• Understand that alternative funding involves risk and responsibility

Oak Beach Lending regularly reviews internal processes to ensure:

• Ongoing compliance with regulations
• Accuracy of communication and advertising
• Ethical conduct in sales and support interactions
• Proper handling of sensitive information

If you believe you have encountered an error, misrepresentation, or compliance issue, we encourage you to contact us promptly. We take all concerns seriously and will investigate appropriately.