This disclosure is intended to advise you:
1. Where we get information about you (our sources);
2. What we do to protect the information we have collected about
you; and
3. What our policy is about sharing information about you with
others.
OUR PRIVACY POLICY:
WE DO NOT SHARE INFORMATION ABOUT YOU WITH ANYONE EXCEPT AS REQUIRED
OR PERMITTED BY LAW.
WHO YOU ARE:
This policy applies to you if you are a customer of ours.
A “customer” is a natural person (not a corporation)
who-for personal, family, or household purposes-has or recently
had a financial product with us, such as a mortgage loan.
DEFINITIONS:
Here are other terms we will use in this disclosure:
Information means nonpublic personal information, a technical
term that generally means
(1) information that can identify you;
(2) that is not available publicly; and
(3) that we collect in connection with providing a financial product
or service to you.
We will use the word information to mean nonpublic personal information.
Affiliates are companies that are related to one another by ownership,
common ownership, or control. For example, if one company owns
or controls another company, they are affiliates of each other.
Non-affiliate means a company that is not an affiliate of another
company, and it also means a person who is not an employee of
a company.
Opt out means a choice a person can make (in certain cases) to
prevent a financial institution from sharing information about
that person with others. (You do not have a right to opt out because
we do not share information about you for marketing purposes.)
JOINT ACCOUNTS:
If you have a joint account with us (for example, you are, or
you have, a co-borrower on a loan), you should share this notice
with the person who shares your account. He or she may not get
a separate notice.
SOURCES FOR INFORMATION:
We collect information about you from the following sources:
1. Information you might provide us on applications and other
forms;
2. Information about transactions we might conduct for you;
3. Information about transactions you might conduct through an
affiliate of ours;
4. Information about your transactions with nonaffiliated third
parties; and
5. Information from consumer reporting agencies.
FORMER CUSTOMERS:
We have the same policy against disclosing information
about former customers as we do about current customers.
SECURITY:
We restrict access to the information we have about you to those
employees who need to know that information to provide products
or services to you.
We maintain physical, electronic, and procedural safeguards to
guard your nonpublic personal information. (We are required to
do so by federal regulations.)
CHANGE:
We can change this policy, but we will tell you in advance if
we do, and we will explain any further rights you might have at
that time.
WHO WE ARE:
In this disclosure, we means:
CWC Financial
851 Irwin Street, Suite 301
San Rafael, CA 94901
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