Disclaimer and Privacy Policy

What does American Pacific Mortgage Corporation do with your personal information?

Why? - Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? - The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income, credit history and credit scores, and employment information and mortgage rates and payments.

When you are no longer our customer, we continue to share your information as described in this notice.

How? - All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons American Pacific Mortgage Corporation chooses to share; and whether you can limit this sharing.

Who is providing this notice: American Pacific Mortgage Corporation

What we do:

1. How does American Pacific Mortgage Corporation protect my personal information? 1.To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. 2.We restrict access to your information to those who have a legitimate business purpose, and we train employees on data security and confidentiality.

2. How does American Pacific Mortgage Corporation collect my personal information? 1.We collect your personal information, for example, when you: Apply for a loan,  Give us your income information or give us your contact information, Provide employment information and/or employment history, Show your government issued-ID and/or driver’s license. 2.We also collect your personal information from other companies, such as credit bureaus, during the loan application process.

3. Why can’t I limit all sharing? 1.Federal law gives you the right to limit only: Sharing for affiliates’ everyday business purposes—information about your creditworthiness, Affiliates from using your information to market to you, Sharing for non-affiliates to market to you. 2. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions:

1. Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. We have no affiliates.

2. Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. We have no affiliates.

3. Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not jointly market.

Other Important Information:

1. Important notice about credit reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

2. California residents: In accordance with California law, we will not share information we collect about you with companies outside of our corporation, except as permitted by law, including, for example, with your consent or to service your loan. We will limit sharing among our corporation to the extent required by California law.

3. Nevada residents: Nevada Statute Section 228.600(3) allows marketing calls to our existing customers listed on the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call list by calling (916) 960-1325 or writing to American Pacific Mortgage Corporation, 3000 Lava Ridge Ct #200, Roseville, CA 95661, ATTN: Privacy Opt Out. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection Office of the Nevada Attorney General 555 E. Washington St., Suite 3900 Las Vegas, NV 89101 Phone: 702-486- 3132 or email: [email protected].