Pryvacy Policy (“”) is committed to protecting the privacy of its customers. As a customer of, you should first read and understand our Privacy Policy. Any references to us, we and our, shall refer to Any specific or non specific references to you shall mean customers of This Privacy Policy explains that some non-public personal information about our customers may be shared on a confidential basis with certain companies, such as those companies that help us process your loan, or those companies that provide financial services. Should you decide to opt-out, it will not include disclosures. As part of the process of providing services to you, we will collect personal information about you. A portion of this information is non-public personal information. will not sell your non-public personal information. We do share a portion of the non-public personal information with our affiliated or non-affiliated service providers among others in order to better serve you.  An affiliate refers to a specific company that controls or is controlled by or is a member of the same family of companies with  We share non-public personal information only with agreed safeguards in place to protect the confidentiality of your information. The purpose of this notice is to inform you of our Privacy Policy.

REGARDING INFORMATION THAT WE COLLECT ABOUT YOU will collect non-public information about you from the following sources: Information that we receive from you on applications such as, your name, address, social security number, income, and assets, on other forms, and in all forms of communication such as by telephone, fax, mail, e-mail, etc. with you; Information about your transactions with us, our affiliates, or others including those companies that work closely with us to provide you with financial products and services; Information we receive from a credit reporting agency as in your credit worthiness and credit history; Information we receive when verifying the information you provide us on an application or any other forms such as personal information that we get  from your current or past employers, or from other institutions where you conduct financial transactions; and personal information we may obtain from consumer purchasing and census data providers allowing us to develop competitive marketing programs for our customers.

REGARDING INFORMATION THAT WE DISCLOSE ABOUT YOU may, at our discretion, disclose all of the information that we collect, as described above and as permitted by law along with being in accordance with this “Privacy Policy”. may also be required to make disclosures in connection with a subpoena or similar legal process or a fraud investigation or the recording of trust deeds and mortgages in public records or in an audit or examination or the sale of your account to another financial institution. will not disclose any non-public personal information about our customers to anyone, except as permitted or required by law.

REGARDING HOW WE PROTECT YOUR INFORMATION maintains physical, electronic, and procedural safeguards that comply with federal regulations to protect your non-public personal information. Parties, who receive your personal information from us, and our affiliates, may share your non-public personal information with each other as permitted or required by law. Additionally, we may disclose non-public personal information about you to the following types of third parties: Financial service providers, such as insurance companies, mortgage companies, and securities broker or dealers; Non-financial companies, such as consumer reporting agencies.  We may also disclose non-public personal information about you to some non-affiliated third parties as permitted by law.


In order that we may provide our customers with competitive products and services, may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers that we have joint marketing agreements or that provide services to us. may also disclose non-public personal information about you as permitted or required by law. These types of disclosures typically contain information to process transactions on your behalf, conduct our operations, and follow your instructions as you authorize. In addition may disclose your personal information, or protect the security of our financial records. All of these parties receive this personal information on a strictly confidential basis with mutually agreed upon restrictions relating to the use of the information.


If you decide to terminate your relationship with, we will not share any non-public personal information that we have collected about you, except as may be permitted or required by law. In regards to Fair Credit Reporting Act disclosures, will not share any information about our transaction with you except to process or service a transaction or product authorized or requested by you.  Other information taken from consumer reports, such as information relating to your credit worthiness, credit standing, credit capacity, personal characteristics, or mode of living, may also be exchanged but only to the extent necessary to process or service a transaction or product authorized or requested by you. In addition, and our affiliates will not share any information about their transactions or experiences with you for marketing purposes.

REGARDING TENETS OF OUR PRIVACY POLICY is committed to protecting your personal information. will use it only to provide you with exceptional customer service along with high-quality products and services. does not share any customer information with non-affiliated third-party marketers offering products and services. does share a portion of your personal information with our affiliates, but only shares to process or service a transaction or product authorized or requested by you. will also share your information with our affiliated or non-affiliated service providers, but must agree with and abide by our privacy standards. They must also agree to maintain the confidentiality of your information. When you apply for any product, your personal information is protected with us by using state of the art security technology and by trained personnel who understand our position on protecting information.

REGARDING WHAT YOU CAN DO TO HELP is committed to protecting the privacy of customers. You can help us by following these guidelines: (1) Protect your account numbers. And (2), Use extreme caution when giving out your account numbers, social security number, etc., to other persons. If you receive a call from someone who claims to be calling on behalf of and they ask for your account number, you should beware that our staff will have access to your information and will not need to ask for it when they contact you. reserves the right to amend its Privacy Policy at any time. If you have any questions about our Privacy Policy, or desire assistance regarding our Privacy Policy, please contact us at:
Attn: Customer Privacy Unit
29901 Santa Margarita Parkway, Suite 200
Rancho Santa Margarita, California 9268

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