| CUSTOMER PRIVACY DISCLOSURE |
| Cardelli Home Loans recognizes and respects our
customers’ rights to financial privacy. |
| In the course of our business, you may provide us with
confidential information concerning your financial affairs and we
understand and appreciate the importance of maintaining the
confidentiality of that information.
|
| We strive to meet the highest standards in the conduct of our
business and therefore observe both the letter and the spirit of the
law surrounding customer privacy issues. |
| Maintaining the confidentiality of the information you entrust
with us is a responsibility we take very seriously. We collect,
maintain, use and share information about you only where we
reasonably believe that it will help administer our business or
provide products, services and other opportunities to you. |
| This privacy statement covers individual consumers and
customers of Cardelli Home Loans and its subsidiaries and
affiliates. |
| Our privacy statement is specifically designed for the
protection of consumers, or individuals obtaining a financial
product or service from us for primarily personal, family or
household purposes. |
| Use of personal information |
| We use your personal information to verify your identity,
provide you with quality customer service and evaluate your request
for products and/or services. We also use your personal information
to contact you about offers we believe will be of value to you.
|
| Types of Personal Information |
We collect various types of information about you during the
normal course of offering and providing financial products and
services. Examples of such information are:
- Information you provide in order to obtain or maintain a
service or product, such as loan application data
- Communications from you regarding your loan(s), such as a
change of address request
- Information gathered from your transactions and account
history with us, our affiliates, and others, such as your loan
payment history
- Information obtained from third parties such as consumer
reporting agencies or credit bureaus, employers, depository
institutions and others, that we use to evaluate a loan
application
- Information that we may gather in compliance with certain
laws and regulations, such as the Home Mortgage Disclosure Act.
|
| Sharing of personal information with marketing companies
|
| We do NOT sell customer or former customer lists
or personal information to list brokers, marketing firms or to other
third parties.
|
| How we keep information private |
We have internal policies and procedures designed to keep
customer information safe. These include:
- Allowing access to customer information only to authorized
employees performing specific job responsibilities necessitating
such access
- Maintaining physical, electronic and procedural safeguards
that comply with federal regulations to protect customer
information
- Training employees on privacy and disciplining any employees
who violate our procedures
|
| Reporting incorrect information |
If you believe any information we have about you or your
relationship with us is incorrect, please notify us at once. We will
take prompt action in making the appropriate corrections. You may
contact us in person, by phone at our toll free Customer Service
number (877) 226-9411 or at the following
address:
Cardelli Home Loans, PO Box 5205.. - Paso Robles, CA 93447
Phone: (805) 226-9411
Fax: (805) 227-4053 |
| Questions regarding privacy |
| If you have additional, questions about privacy please contact
us at the following address: Cardelli Home Loans, PO Box 5205.. -
Paso Robles, CA 93447 |
