PRIVACY POLICY
Introduction
Respecting and protecting customer privacy is vital to our business. Keeping customer information secure is a priority at CashCall’s
mortgage division, and we want you to be aware of our intended collection and disclosure of your personal information. This privacy
policy explains how we will handle your information, and how we will use it to serve you better. The provisions of this policy will
apply to former and current customers, consumers and visitors to our Internet web site, unless we state otherwise. This policy also
applies to customers who use our call center to provide personal information. If you provide us nonpublic personal information you
may opt out of our sharing information with non-affiliated companies. Please see the Opt Out Notice section at the end of this
policy.
Confidentiality and Security/With Whom Do We Share Your Information
We restrict access to nonpublic personal information about you to (i) those employees who need to know your information to provide
services to you, (ii) third party entities and financial service providers that deliver services to us (such as consumer credit reporting
agencies), (iii) to any entity necessary to effect, administer or enforce a transaction that you have requested or authorized, and
(iv) nonaffiliated marketing partners. When we use other companies to provide services for us, we request that they protect the confidentiality
of personal information they receive as required by law. The law permits us to share information about our current and former customers
with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information
in response to subpoenas or to comply with certain laws, such as the Fair Credit Reporting Act. From time to time, we may also tell
you about special offers from unrelated companies that we think may interest you. These companies will not learn about your relationship
with us unless you respond to their offers.
We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal
information from unauthorized access.
Please note that if your loan is approved and completed, or if we purchase your loan from another lender, your loan may be serviced
by a third party other than CashCall (for example, the service provider might assist in collecting payments or provide other customer
and accounting services). We will require that any third party servicing a loan held by us, or that assists us in underwriting or
originating a loan, will comply with our privacy policy. However, pursuant to laws, regulations, or business transactions, your information
may be transferred to other third parties (such as purchasers of loans or regulatory agencies), and we cannot control how that third
party may handle your information. Furthermore, in the event that we transfer your loan to a third party and we also transfer the
servicing of that loan, then this privacy policy will only apply to the information regarding you that we retain, and is not binding
on the purchaser of the loan and their servicer. Please check the privacy policy of any third party that originated your loan or services
your loan to understand how your information may be handled by them.
Information We May Collect
CashCall mortgage division gathers the customer information that is needed to administer its business, provide services to our customers,
and to complete your transactions. The categories of nonpublic personal information that may be collected about you include:
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Information we receive from you on loan applications, registration forms for electronic payment or ACH transactions, or other forms
(such as your name, address, phone number, or Social Security Number); |
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Information about your transactions with us (such as account activity, payment history, or account balance); and |
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Information we receive from a consumer reporting agency (such as your creditworthiness or credit history). |
When you visit our web site, even if you are not yet a customer, we may nonetheless collect and store information about your visit
in our systems or the systems of our service providers. This information may include the time and length of your visit, the pages
you look at on our sites, and the site you visited just before coming to ours. We may also record the name of your Internet service
provider and your email address. We use such information to measure site activity and to develop ideas for improving our sites, and
for marketing purposes. Once you begin to have a relationship with us, including the submission of applications for our products or
services, there are also opportunities on our Web sites or via telephone, for you to provide us with information about you, such as
your name, mailing address and e-mail address. If you choose to share any personal information with us, we may store it and we may
use it for marketing and marketing research, in addition to completing your transaction and providing services to you. Our web sites
make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is a "memory"
file that may be placed on your hard drive by the computer which supports our web site when you visit it. When you revisit that web
site, the computer can recognize you as a prior visitor and identify some areas which you previously visited. No personal information
is stored in the cookies. When you come back to visit us again, we can tailor information to suit your individual preferences. The
goal is to save you time and provide you with a more meaningful visit.
Once you begin to have a relationship with CashCall, including the submission of applications for our products or services, there
are also opportunities on our Web sites or via telephone, for you to provide us with information about you, such as your name, mailing
address and e-mail address. If you choose to share any personal information with us, we may store it and we may use it for marketing
and marketing research, in addition to completing your transaction and providing services to you.
Our web sites make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie
is a "memory" file that may be placed on your hard drive by the computer which supports our web site when you visit the web site.
When you revisit that web site, the computer can recognize you as a prior visitor and identify some areas which you previously visited.
No personal information is stored in the cookies. When you come back to visit us again, we can tailor information to suit your individual
preferences. The goal is to save you time and provide you with a more meaningful visit.
INTERNET SECURITY DISCLOSURE
We have implemented a commercially recognized high level of security for transmitting personal information via the Internet. We utilize
Secured Sockets Layer protocol (SSL 3.0) and Microsoft's Private Communication Technology protocol (PCT 1.0) with full support for
128-bit encryption methods. As of the effective date of this privacy policy, these secured encryption methods are preferred by the
industry for online commerce and transactions on the Internet. Also, the Internet Web Server is protected by a firewall which restricts
access from unauthorized or unrecognized sources coming from the Internet.
Our encryption technology, as well as our Web site’s security in general, is certified periodically by VeriSign for online authentication
services. This provides you with the reassurance that our internet security system conforms to the industry standards.
These encryption protocols are used in several areas during the Internet Loan Application process:
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At the loan application web page when the applicant is entering their personal information. |
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For internal validation/verification processes. |
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When you are executing and submitting your online promissory note. |
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During ALL communications between our Internet server and our host processing system. |
Some web browsers do not support secure servers. If you have difficulty accessing this area of our site, please call us toll-free
at 1-866-708-LOAN (5626) to talk to us.
We strive to protect your data and safeguard it from access by unauthorized individuals. However, the Internet is generally accessible
by the public, and information which is available on the Internet (including the information supplied by you on this Web site or sent
to an e-mail address provided by you) is potentially accessible by unintended third parties. Your use of this Web site and your disclosure
of personal information through this Web site, on or through any server, is at your own risk, and we provide alternative means for
you to transact with us. Although we will use commercially reasonable efforts to safeguard your data, we do not guarantee the security
of any user provided data.
Notice of changes.
We reserve the right to alter our privacy policy from time to time. Our customers will receive written or e-mail notifications of
these changes. Former customers or persons visiting this website that are not customers at the time of the visit will not receive
direct notices. Any alterations to the privacy policy will be posted on our web site in a timely manner and persons who are not CashCall
customers must refer back here periodically to learn the privacy policy applicable at that time. The effective date of this policy,
stated above, indicates the last time this policy was revised or materially changed. Checking the effective date allows you to determine
whether there have been changes since the last time you reviewed the policy.
California Residents
If you are a California resident, you have the right to receive: a) information identifying any third party company(ies) to whom we
may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company's provision
of services or marketing purposes; and b) a description of the categories of personal information disclosed. To obtain such information
you must make a request in writing. Your request must include your name registration (email address), the site name you visited and
a return address or it will not be processed. We will not honor such requests more than once per calendar year. Requests made via
email will not be accepted. Please mail your request to the address listed below.
PLEASE CHECK THIS PRIVACY POLICY PERIODICALLY FOR CHANGES AS WE RESERVE THE RIGHT TO REVISE THIS PRIVACY POLICY. YOUR CONTINUED USE
OF THIS SITE FOLLOWING THE POSTING OF ANY CHANGES TO THE PRIVACY POLICY CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.
OPT OUT NOTICE
NONPUBLIC PERSONAL INFORMATION
You may prevent us from disclosing your nonpublic personal information to certain nonaffiliates by opting out. You may opt out by
(1) printing out this form or detaching this notice, (2) checking the appropriate box or boxes below (check each box that applies)
and signing, and (3) mailing this Opt Out Notice to us at the following address:
CashCall, Inc., 1600 S Douglass Rd, Anaheim CA 92806
Attn: Mortgage Division - Privacy Policy
Even if you send us the Opt Out Notice for Nonpublic Personal Information below, we may still disclose information as allowed by law.
This includes disclosing information to our affiliates (unless you also provide us the Opt Out Notice with respect to Loan Transactions
shown below) to market other products or services to you, or as necessary to complete the contemplated transaction.
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OPT OUT NOTICE
LOAN AND CREDIT TRANSACTION INFORMATION
You may prevent us from disclosing information obtained by us from you in connection with your loan or other credit transaction with
us to both nonaffiliates and affiliates for marketing purposes by sending us the additional opt out notice below. You may opt out
by (1) printing out this form or detaching this notice, (2) checking the appropriate box or boxes below (check each box that applies)
and signing, and (3) mailing this Opt Out Notice to us at the following address:
CashCall, Inc., 1600 S Douglass Rd, Anaheim CA 92806
Attn: Mortgage Division - Privacy Policy
Even if you send us the Opt Out Notice for Loan and Credit Transaction Information below, we may still disclose information as allowed
by law. This includes disclosing information to nonaffiliates or affiliated companies as necessary to complete the contemplated transaction.
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