General Privacy Statement

Summary: YOUR INFORMATION WILL NOT BE SOLD TO THIRD PARTIES.

Clarion Mortgage Capital - strongly believes in protecting the confidentiality and security information we collect about our customers. This notice informs you of our privacy policy and describes how we treat information that we receive about you.

We greatly appreciate the trust you and other customers have placed in us. We will honor that trust by continuing to respect the privacy of all our applicants, even if our formal relationship ends. It is important for you to know that to ensure our customers get the very best service and the highest quality products, Clarion Mortgage Capital collects demographic information (such as name and address) and credit information (such as information related to loan applications placed with us). This information comes either directly from the customer through applications, or it may come from an outside source, such as a credit bureau report. In addition, we may collect certain information about Internet usage regarding visitors to our website.

Because some of the information we gather is not publicly available, we take great care to ensure that it is protected from unauthorized access. We never share the information in violation of any regulation or law.

You do not need to take any action in response to this Privacy Policy.

Definitions:

"You" means our customer or former customer - an individual who obtains or has obtained a financial product or service from CalPacific, that is to be used primarily for personal, family or household purposes.

"We" means clarion Mortgage Capital.

"Third Party" means any company or organization that is not an affiliate of Clarion Mortgage Capital.

Why We Collect Information and the Types of Information Collected 

Clarion Mortgage Captial collects information from you to help us serve your financial needs (as in processing your loan application), provide customer service, offer new products and services, and fulfill contractual, legal and regulatory requirements. The type of information that we collect varies according to the products or services that you request, and may include:

Information included on your application and related forms (such as name, address, social security number, assets and income);

Information about your relationships with us (such as products previously obtained from us and/or payment history);

Information from other outside sources (such as consumer credit reports, appraisals, and title policies);

Information from visitors to Clarion Mortgage Capital's web site (such as that provided through online forms, site visitation data, and online collection devices known as "cookies").

How We Protect Information

We restrict access to nonpublic personal information about you to those Clarion Mortgage Capital employees and licensees (the licensees that you authorized to place your loan application with us). These are the individuals that need to know that information to process your loan application or provide products or services requested by you. We take appropriate disciplinary measures to enforce the responsibilities of these employees and licensed brokers regarding customer information. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

Sharing Information Within Clarion Mortgage Capital 

In the course of conducting our business, we limit your information to those employees that need the information to process your loan application, provide customers service activities or otherwise service your loan.

Sharing Information with Affiliates

We will not share your nonpublic personal information with Affiliates of Clarion, if any.

Sharing Information with Third Parties for Their Marketing

We do not sell or otherwise provide any of the personal information that we collect about our potential, current or former customers to businesses as a means of allowing such businesses to offer their products and services to you. We do not share account numbers with third parties for their use in telemarketing, direct mail marketing, or other marketing efforts through electronic mail. Therefore, you do not need to take any action to prevent disclosure.

Sharing Information with Third Parties for Other Purposes

As allowed by law or as authorized by you, we may disclose information about you (described above) to third parties as follows:

To wholesale companies that assist in our underwriting efforts including but not limited to credit reporting agencies, appraisers, and closing agents.

Those that perform marketing services for us or with whom we have joint marketing agreements.

We may disclose information in response to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency or regulator (such as a state regulatory agency).

In addition, we may disclose your information as part of a Due Diligence Review being performed because of a merger, acquisition or sale of a loan, or loan portfolio.

Internet Privacy and Security

We are committed to protecting your information and online activity. For your protection, Clarion uses the highest industry standard for online security, Secure Sockets Layer (SSL) encryption, to secure your online sessions. This process safeguards your Internet session from intruders.

The Clarion Web site uses temporary session cookies to assist us in securing your online activities and to enhance the performance of the site. The cookie stores a session ID that allows the site to recognize that a page request came from someone who has logged in. Once you leave the site, the temporary cookie expires and is deleted from your computer. We also use cookies to examine overall traffic flow to ensure the site is easy to use. We examine group activity and do not watch individual's browsing patterns.

While your browser may allow you to "reject" cookies, our Web site requires that you accept all cookies in order for the Web site features and security mechanisms to function fully.

Children

Clarion feels that it is extremely important to guard the identity and privacy of children, and we encourage parents to supervise their interactions online. We do not intentionally market to or solicit personal information from children under the age of 18.

For more information on the Children's Online Privacy Protection Act (COPPA), you can visit the Federal Trade Commission site at www.ftc.gov .

E-mail

We may collect and keep the contents of e-mail you send us in addition to your contact address and our response. This enables us to respond to your requests and questions.

Links to External Sites

We may provide links to sites outside the control of Clarion to alert you to products, information and services offered by other Web sites. These are only meant to supplement the information. Although we will only link to reputable sites, we cannot be responsible for data collection and use practices on linked sites. Please refer to that site's privacy policy for specifics regarding how they use your information. We will not share any information about you with any of these sites.

We comply with the USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who applies for a loan.

When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.