Because we value your patronage, we want to address
any privacy concerns you may have. To that end, we have set forth our
We want your decision to do business with us to be an informed one.
1. Collecting Information
When you visit our Website, we may collect information about you that
you voluntarily choose to share with us. This identification information
may include, but is not limited to, your name, your physical address,
your e-mail address, your telephone and fax numbers, details of your
real estate and lending needs and preferences, and other details of
What may be less obvious to you is that, when you visit
our Website, we may collect data involving your usage through the use
of "cookies" (i.e. small text files placed on your computer
by a Website), Web server logs, and other Web tools. This technology
allows us to customize your online experience, as well as track your
Internet use. The tracking data we collect may include, but is not limited
to, the date and time you visit, the time you spend, the Web pages you
view, the other Websites you visit, your search queries, and basic information
about your computer, such as your Internet Protocol ("IP")
address, your domain name, your browser type, and the name of your Internet
service provider. You may deactivate cookies if you do not want your
browsing to be tracked, but doing so may hinder your online experience.
When visiting our Website, you may be directed, through
hyperlinks, to other Websites that are beyond our control. Furthermore,
when you are visiting our Website, other companies, such as third party
advertisers and sponsors, may be gathering information about you. This
other companies and Websites. Although we encourage third parties to
provide their own privacy policies, we are not responsible for their
activities, such as how they handle the information they collect online.
2. Using Information Collected
We primarily use the identification information you voluntarily share
with us to customize your online experience and to do what you have
asked of us. We also use your identification information to tell you
about our products and services, but you may instruct us not to send
communications to you by following the procedure indicated below under
"Contacting Us." On occasion, we use your identification information
to validate your identity. As for usage tracking data, we primarily
use that information to operate and improve our Website, and to further
our marketing efforts.
As a general rule, we do not share your information
with unaffiliated third parties. We may, however, share your information
with our own personnel and our service providers to the extent necessary
to fulfill your requests. We may also share your information with our
affiliates, but we will not share it with unaffiliated third parties
for direct marketing purposes. We reserve the right to disclose your
information under limited circumstances, such as to cooperate with law
enforcement or judicial authorities as required by law or legal process,
to protect our own legal rights, or to protect the public good.
Whenever you are online, you run the risk that the information
you give out will fall into the wrong hands. Although we implement and
maintain reasonable security procedures and practices to safeguard your
privacy, we cannot guarantee the security of any information you provide
to us. We accept no responsibility or liability for the activities of
3. Updating Information
If you would like to review the information about you that we have collected
through our Website, or to change that information, you can make that
request by following the procedure indicated below under "Contacting
Us." We may require that you verify your identity before we process
and inserting a new "Effective Date."
5. Contacting Us
If you would like to send us a request as indicated above, or if you
may contact us by email at email@example.com or call us at 510-339-0400.
as of November 16, 2006.