TERMS OF USE | DISCLOSURES | POLICIES

About Wilshire Finance Partners

Wilshire Finance Partners, Inc. (“Wilshire”)  specializes in real estate finance and investments. Wilshire is licensed by the California Department of Real Estate, License Number 01523207, and the California Department of Business Oversight, Finance Lenders License Number 603K729. Wilshire is the manager of the WFP Income Fund, LLC ("Income Fund"), California Department of Business Oversight Finance Lender License 603K726, and the WFP Opportunity Fund, LLC ("Opportunity Fund" and collectively with the Income Fund, the "Funds"), California Department of Business Oversight Finance Lender License 603K725. The Income Fund invests in a diversified pool of residential, multifamily, and commercial real estate related short-term bridge loans secured by first trust deeds and mortgages. The Opportunity Fund invests in a diversified pool of residential, multifamily, and commercial real estate related short-term bridge loans, participating loans, real estate joint ventures, and direct real estate investments. Wilshire commenced operations in January 2008 and launched the Income Fund and Opportunity Fund in September 2013. Wilshire maintains a sales and operations office in Newport Beach, California.

Safe Harbor Statement

This communication is not an offer to sell or the solicitation of offers to purchase the securities of either of the Funds or otherwise. The purpose of this communication is to provide an overview of the respective Funds and its private placement. Persons interested in learning about either of the Funds and their private placement will be provided with the respective Fund’s Private Placement Memorandum, Operating Agreement and Subscription Documents (inclusive of exhibits and any supplements thereto, the "Memorandum"), which provides a description of the respective Fund, the terms of its private placement, a discussion of risk factors.

This communication contains certain forward-looking statements regarding each of the Funds’ investment objectives and strategies. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire, as the manager of the Funds. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the objectives and strategies of the respective Funds will be achieved.

An investment in either of the Funds may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein. Each of the Funds securities are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the Securities Act) and are not required to comply with specific disclosure requirements that apply to registration under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials. The securities are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the securities. Past performance is not indicative of future results. Investing in the Funds involves substantial risk, including loss of investment, and is not suitable for all investors.

TERMS OF USE, DISCLOSURES, POLICIES

You may move to the applicable disclosure, policy or terms of use by clicking a heading below:

Terms of Use

Disclosures

• Disclosures for Trust Deed and Mortgage Investments
• Fund Disclosures
• Borrower Disclosures
• Equal Housing Opportunity
• The Fair Housing Act
• Equal Credit Opportunity Act
• State and Local Fair Housing/Fair Lending Laws
• Rights of the Home Seeker

        Policies

• Privacy Policy

 

TERMS OF USE

By accessing or using this website and other Wilshire affiliated sites (the “Sites”), or ordering, purchasing or accessing any information, products or services on or through any of the Sites, you acknowledge your agreement with and understanding of the following terms of use and legal information pertaining to the Sites and any material in it. If you do not agree to the terms and conditions below, do not access the Sites.

1. The information contained on the Sites is not an offer to sell or the solicitation of an offer to purchase the securities of Wilshire Finance Partners, Inc. (“Wilshire”), WFP Income Fund, LLC (the "Income Fund"), the WFP Opportunity Fund, LLC ( the "Opportunity Fund" and collectively with the Income Fund, the "Fund") or any other securities. Any such offers will only be made in connection with the delivery of applicable disclosures and/or a Private Placement Memorandum to qualified investors upon their request. See “Disclosures for Trust Deed and Mortgage Investments” and “Fund Disclosures” below.
2. You acknowledge and agree that by hitting the “Apply Now”, “Submit”, “Send”, “Apply Online Today”, “Request Information”, “Continue” and other similar action buttons on any page of the Sites, you are submitting your information to Wilshire. By submitting your information to Wilshire, you are making an express invitation for Wilshire to contact you through the information you provided (e.g. by telephone and e-mail) and you consent to such contact even if your telephone number, facsimile number and/or e-mail address is on a “Do Not Call,” “Do Not Contact,” or similar list.
3. All materials published on the Sites are protected by copyright laws, and may not be reproduced, republished, distributed, transmitted, resold, displayed, broadcast, or otherwise exploited in any manner without the express written permission of Wilshire. You may download freely accessible material from this Site for your personal and non-commercial use only, without altering or removing any trademark, copyright, or other notice from such material.
4. Subject to the terms and conditions of a separate agreement for on-line access, you will have unlimited on-line internet access to the Sites and your account information during the term of that agreement. You acknowledge and agree that access to the Sites and any on-line access to your accounts or any other information may, from time-to-time, be unforeseeably interrupted. Wilshire expressly does not represent that the Sites and related links or software is error-free, that they will operate without interruption or their quality, reliability, or timeliness. In no event shall Wilshire or its officers, directors, owners, employees, representatives, agents, parents, affiliates, successors or assigns be liable to you or any user, or be responsible for any punitive, indirect, special, incidental or consequential damages caused by or related to you or any user arising from or relating to any deficiency, defect, error or malfunction of the Sites or the related links or software.
5. EXCEPT AS EXPRESSLY PROVIDED HEREIN, ANY AND ALL REPRESENTATIONS, WARRANTIES AND GUARANTEES, EXPRESS OR IMPLIED, ARISING OUT OF OR RELATING TO THE INVESTMENTS, PRODUCTS OR SERVICES OFFERED BY WILSHIRE WILL BE CONTAINED IN A SEPARATE AGREEMENT BETWEEN YOU AND WILSHIRE AND THESE TERMS OF USE SHALL NOT BE CONSTRUED AS GIVING RISE TO ANY SUCH REPRESENTATIONS, WARRANTIES, AND GUARANTEES.
6. These Terms of Use shall be governed by and construed under the laws of the State of California, without regard to conflict of laws principals, and without regard to the United Nations Convention on Contracts for the International Sale of Goods.

DISCLOSURES

We recommend that all investors become familiar with trust deed investments prior to investing. Among other materials, the California Department of Real Estate has published a booklet on trust deed investing which may be located at:
CDRE Trust Deed Booklet

DISCLOSURES FOR TRUST DEED AND MORTGAGE INVESTMENTS

The information contained on the Sites (the “Overview”) is not an offer to sell or the solicitation of an offer to purchase trust deed or mortgage investments (individually and collectively, the “Loans”). The purpose of this Overview is to provide an overview of one or more Loans and its private placement. Persons interested in learning about one or more Loans and their private placement will be provided with the Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”) prepared by Wilshire Finance Partners, Inc. (“Wilshire”), which provides a description of the particular Loans, the terms of the private placement, a discussion of risk factors, a subscription agreement and other information related to an investment in one or more Loans. To the extent that there is any inconsistency between the information provided in this Overview and the Memorandum and its accompanying exhibits, the Memorandum and its accompanying exhibits shall control. This Overview and the Memorandum contain certain forward-looking statements regarding an investment in the Loans. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire’s management, including, but not limited to, national and international economic conditions, changes in legislation, and other factors that can disrupt economic stability. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the respective objectives and strategies of investing in one or more Loans will be achieved. An investment in any Loans may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein. Loans are securities and each of the Loans are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), provided by Regulation D, Rule 506(c), and are not required to comply with specific disclosure requirements that apply to securities registered under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of either offering or the accuracy or completeness of any offering materials. As securities offered in an exempt transaction, each of the Loans are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Loans. Past performance is not indicative of future results. Investing in Loans involves substantial risk, including loss of investment, and is not suitable for all investors. Loans made by Wilshire Finance Partners, Inc., Department of Real Estate Broker’s License number 01523207 or California Department of Business Oversight Finance Lenders License Number 603K729. Loans made by Wilshire Finance Partners, Inc. outside California will be made pursuant to licenses, authorizations or exemptions in each other state.

FUND DISCLOSURES

The information contained on the Sites (the “Overview”) is not an offer to sell or the solicitation of an offer to purchase the securities of WFP Income Fund, LLC or the WFP Opportunity Fund, LLC (individually and collectively, the “Fund”). The purpose of this Overview is to provide an overview of each Fund and its private placement. Persons interested in learning about either Fund and its private placement will be provided with such Fund’s Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Fund, the terms of the private placement, a discussion of risk factors, a copy of the Fund’s limited liability company operating agreement, a subscription agreement and other information related to the Fund. To the extent that there is any inconsistency between the information provided in this Overview and the applicable Memorandum and its accompanying exhibits, the applicable Memorandum and its accompanying exhibits shall control. This Overview and each Memorandum contain certain forward-looking statements regarding the respective Fund’s investment objectives and strategies. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of the Fund’s management, including, but not limited to, national and international economic conditions, changes in legislation, and other factors that can disrupt economic stability. Although the Fund’s management believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Fund’s management, any placement agent, or any other person, that the respective Fund’s objectives and strategies will be achieved. An investment in either the Fund may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum for the respective Fund and who complete, execute and deliver the subscription documents included therein. The securities of each Fund are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), provided by Regulation D, Rule 506(c), and are not required to comply with specific disclosure requirements that apply to securities registered under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of either offering or the accuracy or completeness of any offering materials. The securities of each Fund are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the securities. Past performance is not indicative of future results. Investing in either Fund involves substantial risk, including loss of investment, and is not suitable for all investors.

BORROWER DISCLOSURES

The information contained on the Sites is not a loan approval, agreement or commitment to lend. The information contained herein and any linked or attached documents and information is for discussion purposes only and Wilshire Finance Partners, Inc. may make substantial and material revisions to the same. Rates and terms are subject to change without notice. Loans made by Wilshire Finance Partners, Inc., California Department of Real Estate Broker License number 01523207 or California Department of Business Oversight Finance Lenders License Number 603K729

EQUAL HOUSING OPPORTUNITY

Wilshire Finance Partners is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support efforts to ensure that there are no barriers to obtaining home financing because of race, national origin, color, religion, sex, age, handicap, marital status or familial status.

THE FAIR HOUSING ACT

The Fair Housing Act prohibits discrimination in the sale, lease, rental or financing of housing because of race, color, religion, sex, handicap, familial status, or national origin.

EQUAL CREDIT OPPORTUNITY ACT

The Equal Credit Opportunity Act makes discrimination unlawful with respect to any aspect of a credit application on the basis of race, color, religion, national origin, sex, marital status, age or because all or part of the applicant’s income derives from any public assistance program.

STATE AND LOCAL FAIR HOUSING/FAIR LENDING LAWS

In addition to the federal anti-discrimination statutes, many state and local governments have enacted regulations prohibiting discrimination in the sale, lease, rental or financing of housing on the basis of the neighborhood the property in which the property is located, sexual orientation, mental or physical illness, political affiliation, lawful source of income, environmental conditions or other characteristics. Contact your state or local housing agency for additional information.

RIGHTS OF THE HOME OR LOAN SEEKER

You have the right to expect that housing or home loans will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status or national origin. This includes the right to expect:

• Housing in your price range made available to you without discrimination.
• Equal professional service.
• The opportunity to consider a broad range of housing or loan choices.
• No discriminatory limitations on communities or locations of housing.
• No discrimination in the financing, appraising or insuring of housing.
• Reasonable accommodations in rules, practices, and procedures for persons with disabilities.
• Non-discriminatory terms and conditions for the sale, rental, financing, or insuring of a dwelling.
• To be free from harassment or intimidation for exercising your fair housing rights.

If You Suspect Discrimination

Complaints alleging discrimination in housing may be filed with the nearest office of the United States Department of Housing and Urban Development (HUD), or by calling HUD’s toll-free numbers, 1-800-699-9777 (voice), or 1-800-543-8294 (TDD). You can also contact HUD on the Internet at http://www.hud.gov.

PRIVACY POLICY

General Principals

(Updated August 14, 2018)

Wilshire believes in protecting your privacy and the confidentiality of your Personal Information. This Privacy Policy covers the treatment by Wilshire of personally identifiable information that we collect when you are on the Sites.  It also describes the choices available to you regarding Wilshire’s use of your Personal Information and how you can access and update this information.

As used in this policy, “Personal Information” is any combination of information, in the possession of or likely to come into the possession of Wilshire, which identifies an individual or can be used to identify, contact, or locate an individual.  It includes, but is not limited to, an individual’s name, identification numbers, date of birth, gender, mailing address, phone numbers, email address and other similar information. It may include information about an individual’s personal preferences.  Any information that cannot be used to identify a discrete individual (such as aggregated statistical information) is not Personal Information. Personal Information will be treated in accordance with this Privacy Policy.

By using our Sites or otherwise providing your Personal Information to Wilshire, whether through the purchase of or inquiry about Wilshire investments, reports, white papers, studies, educational materials, and other products and services (collectively, the “Products and Services”), you hereby consent to the transfer of your Personal Information for the purposes described in this Privacy Policy.

PURPOSE FOR COLLECTION, USE, AND DISCLOSURE OF PERSONAL INFORMATION

Wilshire collects, uses, and discloses your Personal Information in its normal course of business. The information may be used, among other things, to plan new Products or Services, gauge customer satisfaction, market and measure awareness of Products and Services, or to test reaction to Products and Services or communications.

Wilshire records the information we receive when you email us, including your name, company name, address, telephone number, and email address. Wilshire may also automatically receive and record information on our server logs from your browser including your IP address, cookie information and the pages you request.

Below are the primary uses of the information supplied to us:

• Establishing and maintaining communications with you;
• Providing requested content or Products and Services from Wilshire;
• Responding to your inquiries about Products and Services, content and other services;
• Making proposals for current and future Products and Services needs;
• Processing transactions through vendors and/or service providers;
• Registration for conferences, training, and other events;
• Meeting legal, security, processing and regulatory requirements;
• Protecting against fraudulent, suspicious or other illegal activities; and
• Compiling statistics for analysis of our Sites and our business.

WHAT INFORMATION WE COLLECT

The information gathered by Wilshire from its Sites falls into two categories: (1) information voluntarily supplied by visitors to Wilshire’s Sites and through their purchase of or inquiry about Wilshire or the Products and Services, and (2) tracking information gathered as visitors navigate through Wilshire’s Sites.

Information Voluntarily Provided by You

When using Wilshire’s Sites, you may choose to provide us with Personal Information to help us provide you with Product and Services and to otherwise serve your needs.

You provide Personal Information to Wilshire by completing forms on our Sites, requesting information, participating in research conducted by Wilshire, using Products and Services, and by other contact with Wilshire.  In such cases, Wilshire will comply with the contact limitations and data protections to which you agreed when you provided that permission.

Wilshire may collect and use Personal Information obtained from publicly available sources, where this is permitted by law. Some Personal Information may include demographic questions such as racial or ethnic origin, age, gender or income.  Wilshire may use the information to help confirm that the research reflects a representative sample of the population Wilshire is studying and to whom Wilshire is marketing Products and Services. Wilshire also automatically collects information that is made available by the device you use to access Wilshire’s Sites.  That information may be used by Wilshire for, among other things, for system administration, surveys, service improvements, data analysis, data integrity and marketing purposes. The information automatically collected for those purposes, as well as other Personal Information, may be shared with third parties to, among other things, detect and prevent impermissible activities, to eliminate duplicate information, and to enhance the development, marketing and delivery of the Products and Services.

Your participation is voluntary. You are entitled at any time to ask that part or all your Personal Information be destroyed. Wherever legal, reasonable and practical, Wilshire will carry out such a request.

Below are some additional ways we collect data:

When You Request Content

If you request content, Products, and Services, or further information from Wilshire, Wilshire requires you to submit your name, email address, phone number, the name of your organization, and the country in which you are based so we may send you the material you have requested and to enable us to identify if you are an existing client of Wilshire.

Following an inquiry into receiving content or Products and Services from Wilshire, if you decide to proceed, Wilshire will collect Personal Information necessary to proceed with the transaction, such as your name, address, ZIP code, phone number, email address, billing address or payment details, as relevant to the fulfillment of your request. We will use your Personal Information to administer your account, fulfill purchases and registrations, and generally manage your relationship with us.

If you register with the Sites or request any Products or Services through the Sites we will ask you for your name, email address, country, phone number, and may verify reason for your communication, as well as information about your position and organization and such other information as is reasonably necessary so that we can provide you with the Products and Services or identify what would be of most interest to you. On the data submission form, we shall indicate by way of an asterisk which information is optional and which information is mandatory.

Any Personal Information that you send Wilshire will be used for the purpose indicated on the Sites or in this Privacy Policy.

Website Navigational Information

As you navigate the Sites, we may also collect information through commonly used information-gathering tools, such as cookies and web beacons (collectively “Website Navigational Information”). Website Navigational Information includes standard information from your web browser (e.g., browser type, browser language), your Internet Protocol (“IP”) address, and the actions you take on the Site (such as the web pages viewed, and the links clicked).

Use of Cookies

Like many companies, Wilshire may use cookies on our Sites. Cookies are pieces of information shared between your web browser and a website. Use of cookies enables a faster and easier experience for the user. A cookie cannot read data off your computer’s hard drive. There are different kinds of cookies with different functions:

1. Session cookies: a session cookie is only stored on your computer during your web session. They are automatically deleted when the browser is closed. They usually store an anonymous session ID allowing you to browse a website without having to log in to each page. They do not collect any information from your computer.
2. Persistent cookies: a persistent cookie is one stored as a file on your computer, and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again.
3. First-party cookies: the function of a first-party cookie is to retain your preferences for a particular website for the entity that owns that website. They are stored and sent between a company’s servers and your computer’s hard drive. They are not used for anything other than for personalization as set by you. These cookies may be either Session or Persistent cookies.
4. Third-party cookies: the function of a third-party cookie is to retain your interaction with a particular website for an entity that does not own that website. They are stored and sent between the third party’s server and your computer’s hard drive. These cookies are usually Persistent cookies.

Wilshire uses cookies for the following purposes:

• Where strictly necessary: These cookies are essential to enable you to move around the Sites and use its features, such as accessing secure areas of the Sites. Without these cookies, services you have asked for, such as obtaining a quote or logging into your account, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.
• Performance: These cookies collect information about how visitors use the Sites (e.g., which pages visitors go to most often if they get error messages from webpages). They also allow us to record and count the number of visitors to the Sites, all of which enables us to see how visitors use the Sites to improve the way that our Sites work. These cookies do not collect information that identifies a person, as all information these cookies collect is anonymous.
• Functionality: These cookies allow the Sites to remember choices you make (e.g., your username, your language, region you are in) and provide enhanced features. For instance, any or each of the Sites may be able to remember your login details, so that you do not have to repeatedly sign into your account when using a particular device to access the Sites. These cookies can also be used to remember changes you have made to text size, font, and other parts of webpages that you can customize. They may also be used to provide services you have requested, such as viewing a video or commenting on an article. The information these cookies collect is usually anonymized. They do not gather any information about you that could be used for advertising or remember where you have been on the internet.

• Analytics: The Sites do use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help Wilshire analyze how users use the Sites. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for evaluating your use of the Sites, compiling reports on website activity, and providing other services relating to the Sites activity and internet usage for Wilshire. Google may also transfer this information to third parties when required to do so by law or when such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that if you do so, you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

• Advertising: Wilshire uses cookies and tracking technologies to help us develop our understanding of your interests and what content and services may be relevant to you. In addition, we have a number of partners that also use cookies and similar technologies to determine which of their products and services may be relevant to you.
• The major browsers have attempted to implement the draft “Do Not Track” (“DNT”) standard of the World Wide Web Consortium (“W3C”) in their latest releases. As this standard has not been finalized, the Sites are not compatible with DNT.

Use of Web Beacons

The Sites may also use web beacons (including web beacons supplied or provided by third parties) alone or in conjunction with cookies to compile information about users’ usage of the Sites and interaction with emails from Wilshire. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a Site tied to the web beacon, and a description of a Site tied to the web beacon. Wilshire uses web beacons to operate and improve our Sites and email communications.  Wilshire may also use information from web beacons in combination with other data we have about our clients to provide you with information about Wilshire and our Products and Services.  We will conduct this review on an anonymous basis.

Use of IP Addresses

When you visit our Sites, Wilshire collects your IP addresses to track and aggregate non-Personal Information. For example, Wilshire uses IP addresses to monitor the regions from which users navigate the Sites. IP addresses will be stored in such a way so that you cannot be identified from the IP address.

DISCLOSURE OF INFORMATION TO OTHERS

The Personal Information that you provide Wilshire, and that Wilshire records when contacting Wilshire by email, will not be shared, traded or sold to anyone outside of Wilshire at anytime for any reason. We only ask for the information to enable us to respond to your request quickly and effectively.

EUROPEAN UNION’S “GENERAL DATA PROTECTION REGULATION (GDPR)” LAW

The General Data Protection Regulation (GDPR) (EU) 2016/679 is a regulation in EU law on data protection and privacy for all individuals within the European Union. It also addresses the export of personal data outside the EU. The GDPR aims primarily to give control to citizens and residents over their personal data and to simplify the regulatory environment for international business by unifying the regulation within the EU. In compliance of this law, Wilshire does not utilize data for any reasons other than to fulfill commitments to Wilshire’s Products and Services. Wilshire does not sell any personal data or information collected from the Sites with third parties for their direct marketing purposes. Wilshire has data retention and storage mechanisms in place to control who has access to the data and has placed limits on what purposes the data can be used for.

Text Communications

CONSENT

Your knowledge of and consent to Wilshire’s collection, use, and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:

• Your voluntary provision of Personal Information to us directly;
• Your express consent or acknowledgment contained within a written, verbal, or electronic application or claims process; and
• Your verbal consent solicited by Wilshire (or our officers, employees and agents) for a specified purpose.

Where Wilshire relies on consent for the fair and lawful processing of Personal Information, the opportunity to consent will be provided when the Personal Information in question is collected. Your consent may be given through your authorized representative such as a legal guardian, agent, or holder of a power of attorney. Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw this consent at any time. Wilshire will inform you of the consequences of withdrawing your consent. In some cases, refusing to provide certain Personal Information or withdrawing consent for Wilshire to collect, use, or disclose your Personal Information could mean that we cannot deliver the requested Products and Services and other information and materials for you.

If you wish to withdraw your consent, please refer to the “Questions or to Withdraw Consent” section below.

However, there are several instances in which Wilshire does not require your consent to engage in the processing or disclosure of Personal Information. Wilshire may not solicit your consent for the processing or transfer of Personal information for those purposes that have a statutory basis, such as in the following instances:

• The transfer or processing is necessary for the performance of a contract between you and Wilshire (or one of its partners or affiliates);
• The transfer or processing is necessary for the performance of a contract, concluded in your interest, between Wilshire (or one of its partners or affiliates) and a third party;
• The transfer or processing is necessary, or legally required, on important public interest grounds; for the establishment, exercise or defense of legal claims; or to protect your vital interests; or
• The transfer or processing is required by applicable law.

ACCURACY, ACCOUNTABILITY, OPENNESS, AND CUSTOMER ACCESS

Wilshire’s knowing about changes to some of your Personal Information (e.g., email address) may be key to effectively communicating with you at your request. If any of your details change, update us by emailing Info@wilshirefp.com.Please keep us informed of changes to your Personal Information.

You have the right to access your Personal Information and request rectification of any Personal Information in the file that may be obsolete, incomplete or incorrect. However, to secure your Personal Information, Wilshire does not provide online access to its customers to view or amend Personal Information in its database.

A copy of this Privacy Policy (and any significant changes) can be obtained from our Sites and at www.Wilshirefp.com. Wilshire is responsible for all Personal Information under its control and has designated a privacy officer who is accountable to Wilshire’s Management for Wilshire’s compliance with this Privacy Policy.

QUESTIONS OR TO WITHDRAW CONSENT

You may exercise your right to withdraw your consent to applicable uses or disclosures of your Personal Information, contact Wilshire at:

WILSHIRE FINANCE PARTNERS, INC.
1400 Newport Center Drive, Suite 250,

Newport Beach, CA 92660

Toll-Free: (866) 575-5070
Info@Wilshirefp.com

Wilshire will need to validate the identity of anyone making such a request to ensure that Wilshire does not provide your information to anyone who does not have the right to such information.

Normally, we will respond to access requests within 7 business days.

COMPLAINTS

Complaints can be directed to:

WILSHIRE FINANCE PARTNERS, INC.
1400 Newport Center Drive, Suite 250,

Newport Beach, CA 92660

Toll-Free: (866) 575-5070
Info@Wilshirefp.com

FOA DISCLOSURES

Wilshire Finance Partners

WFP Income Fund

WFP Opportunity Fund

Stable Income & Principal Protection

Proven, Professional, Performance

Capital Plus

Capital +

Got Income

Got Income?

Got Fixed Income

Got Fixed Income?

The Alturnative Solution

 All of the foregoing are registered trademarks of Wilshire Finance Partners, Inc. © 2022

ADDITIONAL DISCLOSURES 

INVESTMENT MATERIALS

DISCLOSURES:

This communication is not an offer to sell or the solicitation of offers to purchase the securities of the WFP Income Fund, LLC, the WFP Income Fund REIT, LLC, the WFP Opportunity Fund, LLC, loan or trust deed investments, participations or other securities offered by or through Wilshire Finance Partners, Inc. (individually and collectively, the “Securities”). The purpose of this communication is to provide an overview of the respective Securities and their private placement. Persons interested in learning about the Securities and their private placement will be provided with the respective Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Securities, the terms of their private placement, a discussion of risk factors, a copy of the limited liability company operating agreement for the respective fund (as applicable), a subscription agreement and other information related to the Securities.

This communication contains certain forward-looking statements regarding the Securities and the investment objectives and strategies of each of the Funds. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire, as the manager of the Funds. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the objectives and strategies of the respective Securities will be achieved.

Investments in the Securities may only be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein, and otherwise comply with the requirements contained therein.  Each of the Securities is being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”) and are not required to comply with specific disclosure requirements that apply to registration under the Securities Act. Neither the Securities Exchange Commission nor any other state securities commission or agency has passed upon the merits of or given its approval to the Securities, the terms of the offering, or the accuracy or completeness of any offering materials. Each of the Securities is subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Securities. Past performance is not indicative of future results. Investing in any of the Securities, including the Funds, involves substantial risk, including loss of investment, and is not suitable for all investors.

To the extent there is any inconsistency between the information provided in this communication and the Memorandum, the information contained in the Memorandum shall control.

Wilshire Finance Partners®, Proven Professional Performance®, Stable Income & Principal Protection®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2022 Wilshire Finance Partners, Inc.  All rights reserved. 

DISCLOSURES:

This document is for information and educational purposes only and does not, and is not intended to, constitute legal, accounting or financial advice.  It does not take into account the particular issues, objectives or circumstances of any specific person or entity who may review this document.  Instead, this document is for general information and educational purposes only and may not contain the most up-to-date legal, accounting, financial or other information.   Certain statements contained in this document, including forward looking statements, constitute views of Wilshire Finance Partners, Inc. (“Wilshire”) regarding the current state of the real estate market, the capital markets, the economy, the regulatory environment, lending and investing.   These statements are made based on the views of Wilshire’s principals as they exist as of the date of this document, and they are subject to change without notice based on numerous factors such as further analyses conducted by the principals as well as changes in the global, national and regional economic environment, political changes, changes in laws and regulations, or other conditions which may impact the matters covered in this document.  The content in this document is provided "as is" and no representations are made that the content is error-free.  Wilshire and its principals are not responsible for errors or omissions in any of the information contained in this document, and Wilshire and its principals disclaim any obligation to update, supplement or correct any outdated, inconsistent, incomplete or incorrect information which may be contained herein.  Wilshire and its principals, employees and agents are not acting as an attorney, accountant, financial advisor or other advisor on behalf of the reader of this document.  Readers of this document should contact their attorney, accountant or financial advisor to obtain advice with respect to any particular matter.  No reader of this document should act or refrain from acting on the basis of information in this document without first seeking such legal, accounting or financial advice.  All liability with respect to actions taken or not taken based on the contents of this document are hereby expressly disclaimed.  This document is not an offer to sell or the solicitation of an offer to purchase securities offered by or through Wilshire.  Any such investments are limited to accredited investors who receive the applicable Private Placement Memorandum and accompanying documents prior to investing.  Any securities offered by or through Wilshire are offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”).  Neither the Securities Exchange Commission nor any state agency has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials.  Past performance is not indicative of future results.  Investing in securities offered by or through Wilshire involves substantial risk, including loss of investment, and is not suitable for all investors.  Any rates and terms contained in the document are subject to change without notice.  Loans made by Wilshire Finance Partners, Inc. California Department of Real Estate Broker License number 01523207 and California Department of Financial Protection and Innovation, Finance Lenders License number 603K729; WFP Income Fund, LLC, California Department of Financial Protection and Innovation, Finance Lenders License number 603K726; WFP Opportunity Fund, LLC California Department of Financial Protection and Innovation, Finance Lenders License number 603K725; or WFP Income Fund REIT, LLC, California Department of Financial Protection and Innovation Finance License number 60DBO-99184. •Equal Opportunity Housing Lender•  Wilshire Finance Partners®, Proven Professional Performance®, Stable Income & Principal Protection®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2022Wilshire Finance Partners, Inc.  All rights reserved. 

LOAN MATERIALS

DISCLOSURES:

This communication is directed to real estate professionals only.  This communication is not a loan approval, agreement or commitment to lend. The circulation of any attached documents is for discussion purposes only and Wilshire Finance Partners, Inc. may make substantial and material revisions to the same.  Rates and terms are subject to change without notice.  Loans made by Wilshire Finance Partners, Inc. California Department of Real Estate Broker License number 01523207 and California Department of Financial Protection and Innovation, Finance Lenders License number 603K729; WFP Income Fund, LLC, California Department of Financial Protection and Innovation, Finance Lenders License number 603K726; WFP Opportunity Fund, LLC California Department of Financial Protection and Innovation, Finance Lenders License number 603K725; or WFP Income Fund REIT, LLC, California Department of Financial Protection and Innovation Finance License number 60DBO-99184. •Equal Opportunity Housing Lender• Wilshire Finance Partners®, Proven Professional Performance®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2022 Wilshire Finance Partners, Inc.  All rights reserved.