NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
FACTS What Does Sierra Pacific Mortgage Company, Inc. 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 required 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
* Account balances and payment history
* Credit history and credit scores
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 Sierra Pacific Mortgage Company, Inc. chooses
to share; and whether you can limit this sharing.
Mortgage Company, Can you limit this
Reasons we can share your personal information Inc. Share? sharing?
For our everyday business purposes —
such as to process your transactions, maintain your account(s), Yes No
responds to court orders and legal investigations, or report to credit
For our marketing purposes — Yes No
to offer our products and services to you
For joint marketing with other financial companies No NOT APPLICABLE
For our affiliates’ everyday business purposes — information about your transactions and experiences No NOT APPLICABLE
For our affiliates’ everyday business purposes — No NOT APPLICABLE information about your creditworthiness
For nonaffiliates to market to you No NOT APPLICABLE
Questions? Call 1-800-447-3386 or
go to 1180 Iron Point Road, Suite 200, Folsom, CA. 95630
SPM Custom Form 12/2011
Who we are
Who is providing this notice? SIERRA PACIFIC MORTGAGE COMPANY, INC.
What we do
How Does Sierra Pacific Mortgage To protect your personal information from unauthorized access and use,
Company, Inc. protect my personal we use security measures that comply with federal law. These measures
information? include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you
How Does Sierra Pacific Mortgage * Apply for a loan or permit us to obtain a credit report
Company, Inc. collect my personal * Make a payment or personally give us the information
information? We also collect your personal information from others, such as credit
bureaus or other companies
Federal law gives you the right to limit only
* Sharing for affiliates’ everyday business purposes –
information about your creditworthiness
Why can’t I limit all sharing? * Affiliates from using your information to market to you
* Sharing for nonaffiliates to market to you
State Laws and individual companies may give you additional rights to
Companies related by common ownership or control. They can be financial
Affiliates and nonfinancial companies.
* Sierra Pacific Mortgage Company, Inc. has no affiliated companies
with which nonpublic personal information is shared.
Companies not related by common ownership or control. They can be
Nonaffiliates financial and nonfinancial companies.
* Sierra Pacific Mortgage Company, Inc. does not share with
nonaffiliates except as permitted by law.
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
Joint Marketing * Sierra Pacific Mortgage Company, Inc. does notshare customers’
information nor conduct joint marketing using customers’ personal
Other important information
Sierra Pacific Mortgage Company, Inc. restricts access to nonpublic personal information about you to those employees who
need to know that information to provide products or services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your nonpublic personal information. Sierra Pacific Mortgage
Company, Inc. may disclose information about your accounts and transactions (a) where it is necessary or helpful to effect,
process, or confirm your transactions; (b) to verify the existence, history or condition of your account for credit reporting
agencies; (c) to comply with legal processes such as subpoenas and court orders, or to law enforcement authorities if we
believe a crime has been committed; (d) if you give us your consent to share information