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Privacy Policy

We’re serious about safeguarding your personal information and data. We follow the strictest privacy guidelines to ensure that the information you provide to us remains confidential at all times.

Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products - and we collect most of this information from consumers through our call center, Web site, or as part of our application process. Occasionally we gather additional necessary information from public records, credit repositories, or approved business affiliates and partners.

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous. If you would like more information about this practice and your choices, please contact us.

We retain all information in-house except when required to share it with our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners.

From time to time, JC Capital will send marketing information and special promotions to our customers via e-mail, direct mail, or phone. Because we respect the privacy of our customers, JC Capital provides an "opt-out" feature (see below) for those who wish to be excluded from our marketing lists.

JC Capital does not sell or share customer information to unaffiliated third parties except as expressly permitted by law. In addition, JC Capital may engage in joint marketing efforts with third parties which may require us to provide limited information that will enable both companies to offer products and services that we feel will benefit our customers. In all cases, JC Capital will be identified as the primary marketer of the product or service, and in every case the third party will be held to the same high level of confidentiality as that of JC Capital.

Security

The security of your personal information is our first priority at JC Capital. We have taken extraordinary measures to make sure that the information you send to us is seen only by authorized people.

Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our web site is "hacked", your data will still remain securely out of reach.

To retrieve information about your loan status, you are required to enter both a password and the email address you provided when establishing your account.

Opt-Out

We understand that you may not be interested in hearing about money-saving promotions or other exciting programs. We respect your time and privacy and do our best to send only information that we feel is relevant and beneficial to you. However, if you still wish to opt-out of our notification list, simply contact us at opt-out@jc-capital.net

If any of the information you enter differs from what is stored in our database, we may not be able to remove your name right away. Please be aware that it may take a few mailing cycles before your information is deleted from our list(s).

Policy Updates

JC Capital reserves the right to change, modify, add or remove portions of this Privacy Statement at any time, but we will alert you that changes have been made by indicating on the Privacy Statement the date it was last updated.

Last Updated: May 2, 2008


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