Because we value
your patronage, we
want to address any
privacy concerns you
may have. To that
end, we have set
forth our privacy
policy for handling
the information you
share with us
online. 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
your life.
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 Privacy
Policy does not
cover the collection
of information by
those 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 third
parties.
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
your request.
4. Updating Our
Privacy Policy
We may, from time to
time, change our
Privacy Policy. We
will notify you of
any changes by
posting our updated
Privacy Policy on
our Website and
inserting a new
“Effective Date.”
5. Contacting
Us
If you would like to
send us a request as
indicated above, or
if you have any
other questions or
concerns regarding
our Privacy Policy,
you may contact us
by writing to us at PO
Box 95, Palm Desert, CA 92261
6. Effective
Date: This
Privacy Policy is
effective as of July
1, 2003.
