Effective Date: 01 January 2024
Last Updated: 08 November 2024

Welcome to Certys Financial Inc, Your privacy is very important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website [www.certysfinancial.com] and use our services.
By using our website, you agree to the collection and use of information in accordance with this policy. If you do not agree, please refrain from using our website and services.

1. INFORMATION WE COLLECT
We may collect the following types of information:

Personal Information
When you use our services or submit a mortgage application, we may ask for information, including but not limited to:

• Name
• Contact Information (address, email, phone number)
• Financial Information (income, employment status, credit history, Social Security number)
• Property Information (for the property you’re applying a mortgage on)
• Non-Personal Information

We may also collect non-personal information when you visit our website, including:

• Device Information (IP address, browser type, operating system)
• Usage Data (pages visited, time spent, click actions)

2. HOW WE USE YOUR INFORMATION
We may use your information for various purposes, including:

• Processing Mortgage Applications and determining eligibility.
• Communicating with You about your mortgage application, offers, and updates.
• Improving Our Services by analyzing trends, preferences, and usage patterns.
• Ensuring Legal Compliance with applicable laws and regulations.
• Marketing and Promotional Purposes, only with your consent.

3. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information. We may share your information with:

• Third-Party Service Providers who assist us in processing mortgage applications and provide additional services.
• Credit Reporting Agencies to evaluate mortgage eligibility.
• Legal and Regulatory Authorities when required by law or to protect our rights.
• Affiliates and Partners only with your consent, for offering additional services.

4. COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar tracking technologies to personalize your experience and gather data about site traffic and interaction. You may control cookies through your browser settings, but disabling cookies may limit certain website features.

5. DATA SECURITY We implement industry-standard security measures to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. YOUR RIGHTS
Depending on your jurisdiction, you may have the following rights:

• Access and Update your personal information.
• Delete or Restrict Processing of your data.
• Withdraw Consent for marketing communications.
• File a Complaint with a supervisory authority if you believe your data is misused.
• To exercise any of these rights, please contact us at info@certysfanancial.com.

7. CHILDREN'S PRIVACY
Our website is not intended for children under 18. We do not knowingly collect information from minors. If you believe we have collected information from a child, please contact us for immediate removal.

8. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated "Effective Date."

9. CONTACT US
For questions or concerns about this Privacy Policy, please contact us at:

Certys Financial Inc
11801 Pierce Street, Suite #200,
Riverside, CA 92505
info@certysfanancial.com
800-999-8911

FACTS What Do We 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 with the lending institution you choose to apply to depend on the product or service you have with us. This information can include: - Contact Details - Social Security Number - Other details pertinent to your application When you are no longer our customer, we do not 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 CERTYS FINANCIAL chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does CERTYS FINANCIAL share with any third parties? Can you limit this sharing? For services provided directly to you - such as to process your transactions, maintain your account(s), responds to court orders and legal investigations, or report to credit bureaus During initial application only, as required during application process. No For our marketing purposes - to offer our products and services to you No We Don't Share For joint marketing with other financial companies During initial application only, as required during application process. No For our affiliates' everyday business purposes - information about your transactions and experiences No We Don't Share For our affiliates' everyday business purposes - information about your creditworthiness No We Don't Share For our affiliates to market to you No We Don't Share For non-affiliates to market to you No We Don't Share