Collection of Client Information
We collect and maintain client information as part of assessing, performing due diligence in connection with, and closing and servicing of your loan.
In the course of serving you, we collect information about you and the individuals serving as guarantors to the proposed loan from a variety of sources, such as:
Information you provide to us on applications or forms, such as your income and accounts with others.
Information, other than those contained on applications or forms, provided by you or in writing, in person, by telephone, electronically or by any other means.
Information we receive from outside companies, such as a credit bureau, regarding your credit history or employment status.
Information we deem necessary for the proper assessment and review of your Loan Application.
Disclosure of Nonpublic Personal Information
We believe that protecting your privacy is an integral part of the customer service we provide to you. As such, we have adopted the policy limiting the disclosure of nonpublic personal information about our clients to nonaffiliated third parties to certain circumstances discussed below.
Disclosure to our Officers, Employees, Agents and Affiliated Entities:
We will disclose information about you that is non-public and personal to service providers in connection with clients proposed loan and administering and servicing clients’ loans which may include our officers, employees and agents, attorneys, accountants, auditors, or other professionals.
Any such disclosure will be made to those who have a business reason to know the information disclosed and it is limited accordingly.
Disclosure for Performance of Due Diligence or to Investors:
To the extent necessary, we will disclose nonpublic personal information about our clients’ to non-affiliated third parties to perform our due diligence. Examples include disclosure to credit rating agencies and other agencies performing due diligence as agents for Century.
We will disclose information to our prospective investors and other co-lenders who may be interested in participating or purchasing your loan, such disclosure being limited necessary for such investors to make their investment decision.
Disclosure due to Concerns of Illegal activities; Disclosure Required by Law; or Disclosure with Client Consent:
We may disclose non-public personal information:
To respond to a subpoena or court order, judicial process or regulatory authorities.
To protect against fraud, unauthorized transactions (such as money laundering), claims or other liabilities.
With the consent of a client, the release of such information, including authorization to disclose such information to persons acting in a fiduciary or representative capacity on behalf of the client or investor.
Sale of Client Information
We do not sell client information to third parties.
We do not share client information with outside parties who may wish to market their products to you.
In addition, we will take precaution and reasonable measures to safeguard each of our client’s non-public personal information.
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