Specializing in California home mortgage rate, California refinance, California home equity loan rate, & California adjustable rate mortgage

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Last Updated: 04/25/2008
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PRIVACY POLICY

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Privacy of your personal information is a very serious matter to www.HomeLoans.cc and Pacific Capital Mortgage /Realtymor, Inc. It is our way of building your trust in our company and our products. The following privacy statement describes how we collect, protect and use customer information.

We collect non-public personal information about you as a consumer, customer, or former customer from the following sources:
• Information we received from you on applications, loan documents, sales documents, or other forms.
• Information about your transactions with our affiliates, others, or us.
• Information we received from a consumer-reporting agency.

We may disclose the following kinds of non-public personal information about you as a consumer, customer, or former customer:

• Information we receive from you on application or other forms, such as your name, address, social security number, income, and debts; and
• Information about your transactions with us, or affiliates, or others, such as your account balance and payment history; and
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

We may disclose non-public personal information about you as a consumer, customer, or former customer to the following types of affiliated and/or non-affiliated third parties:

• Financial service providers, including consumer reporting agencies, finance companies, other credit grantors, or insurance agents; or
• Non-financial companies, such as direct marketers.

We may also disclose non-public personal information about you as a consumer, customer, or former customer to those employees who need to know that information to provide products or services to you. We maintain safeguards, which restrict access to your non-public personal information.

If you prefer that we do not disclose non-public personal information about you as a consumer, customer, or former customer to non-affiliated third parties, you may opt out of these disclosures, that is, you may direct us not to make those disclosures (other that disclosures permitted by law). If you wish to opt out of disclosure to non-affiliated third parties, you may do so by filling out the Opt-Out Request portion of our Privacy Notice that you will receive during the loan application process and return it to us.

If you have any questions concerning our privacy policies you may contact our corporate headquarters at the address and telephone listed below:

 

Pacific Capital Mortgage /Realtymor, Inc

11452 El Camino Real

Suite 100

San Diego, CA 92130

858-847-9500

PRIVACY STATEMENT

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We recognize the importance of protecting the privacy of certain information ("Information") collected about our customers and prospective customers (referred to as "Customers," "you" or "your"). This privacy statement discloses what information we gather, how we use it, and how to correct or change it. It is our intention to give you an understanding about how we collect your Information and the use we make of it in the course of our business.

We gather two types of information about Customers: data that Customers provide through optional, voluntary registration on our site; and data we gather through aggregated tracking, mainly by tallying page views throughout our site. Such information enables us to tailor our content to fit Customers' needs better. We will not disclose personal Information to third parties without your consent, except as may be noted in this Privacy Policy or disclosed to you when the Information is submitted.

How do we collect Information?

Optional registration

We collect information by specifically requesting it from you. Generally this occurs when you register at our site or request information or a service. Usually, we use your information to operate the site and to deliver services.

Usage tracking

Use of Internet Protocol ("IP") Addresses :

An IP address is a unique number that is automatically assigned to your computer whenever you're surfing the Internet so that your computer can be identified by the main computers, known as "Web servers," that "serve up" Web pages.

We collect IP addresses for the purposes of system administration and to audit the use of our site. When Customers request pages from our site, our servers log the Customers' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a Customer's session will be logged, but the Customer will remain anonymous to us. We can and will use IP addresses to identify a Customer when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, customers or others.

With whom do we share your Information?

As a general rule we will not disclose any specific personal information that you submit to us about you ("Personal Information") in a manner that connects you with the Personal Information, except when we have your permission or under special circumstances, such as when we believe in good faith that the law requires it or under the circumstances described below.

We may also disclose account Information in special cases when we have reason to believe that disclosing this Information is necessary to identify, contact or bring legal action against someone who may be violating our terms of use or may be causing injury to or interference (either intentionally or unintentionally) with any of our rights or property, our other Customers, or anyone else. We may disclose or access account Information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

How can you control the usage of Information?

In case you change your mind or some Personal Information changes (such as your Zip Code or e-mail address), we will try to provide a way to correct, update or remove the Personal Information that you give us. We also give you the opportunity to control the communications we direct to you. If a Customer wishes to update Personal Information or objects to any usage provided herein for any reason, he/she may e-mail the requested change to us at the email address on our contact page.

What happens when you link to a third party site?

You should be aware that when you are on our site you could hyperlink or be directed to other sites that are beyond our control and/or outside our service. For example, if you "click" on a banner advertisement or a search result, the "click" may transfer you off our site. These other sites may include sites of advertisers, sponsors and partners that may use our logo as part of a co-branding agreement. These other sites may send their own cookies to Customers, collect data, or solicit Information.

We do not control such sites, and, therefore, are not responsible for their contents or the hyperlinks or advertising they choose to place on such sites. Our inclusion of hyperlinks to these sites do not imply any endorsement of the material on such sites or any association with their operators. Our policy does not extend to anything that is inherent in the operation of the Internet, which is beyond our control.

Please keep in mind that whenever you give out information online (for example, via message boards or chat) that information can be collected and used by people you don't know. While we strive to protect our Customers' information and privacy, we cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.

Is my Information secure from others using this site?

The importance of security of all information associated with our Customers is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, we can't ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we use industry standard efforts to safeguard the confidentiality of your information. However, "perfect security" does not exist on the Internet.

YOUR ACCEPTANCE OF THESE TERMS

By using this site, you signify your agreement to our Privacy Policy.


DISCLOSURES

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Equal Housing Opportunity Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

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The Housing Financial Discrimination Act of 1977, California Fair Lending Notice

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

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Equal Credit Opportunity Act Fair Lending Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:

IF YOU DO NOT AGREE WITH THESE POLICES and DISCLOSURES, PLEASE DO NOT USE THIS SITE. Your continued use of our site following the posting of changes to these terms will mean you accept those changes.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS. Home                        Top Equal Housing Opportunity Lender | Copyright © 2000 -  Frederic A Din & HomeLoans.cc,  All rights reserved. 
Representing Pacific Capital Mortgage/Realtymor, IncPrivacy Info    Licensing info CA DRE #01524635 Info (916)227-0931
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