SEMPER HOME LOANS. and its family of companies (hereafter referred to as “SEMPER”) is committed to protecting the privacy of our customers. As such, SEMPER has formulated a Privacy Policy to disclose to consumers how SEMPER will responsibly use consumer information. First and foremost, SEMPER will not share nonpublic information about you with third parties without your express consent, except as detailed in this policy. We consider any information not normally obtainable from public sources (i.e. telephone listings, municipal listings, or consumer marketing list providers) to be nonpublic. From time to time, we may communicate to you special offers for products or services we believe may be of interest to you through third parties. However, SEMPER will not provide these third parties with any nonpublic information without your consent.

How We Gather Information

As part of providing you with financial products or services, we may obtain information about you from the following sources: This information may include real estate records and telephone numbers.

Sharing Information with Third Parties

We do not sell, rent or lease our user lists or the identity of individual users to third parties, except as permitted or required by applicable law. We may also disclose Collected Information if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose information. We may also use and disclose Collected Information to establish or exercise our legal right, to assert and defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent or take other action regarding actual or suspected illegal or fraudulent activities or potential threat to the physical safety or well-being of any person. As we grow and develop our business, it is possible that our corporate structure or organization may change or that we might might or otherwise combine with, or that portions of our business might be aquired by, another company. In any such transactions, customer information generally is, and should be expected to be, one of the transferred business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, your information may be considered a company asset that may be sold or transferred to third parties.

Sharing Information Within SEMPER

We also may share information about you within our family of financial service companies. SEMPER and its family of companies may share with each other all of the categories of information we gather about you, including identification information (such as your name, address, and telephone number), credit reports (such as your credit history), application information (such as your income or credit references), and information from other third parties (such as your employment history). This information sharing allows SEMPER to better understand your financial needs, notify you of new products and services, and provide you with higher levels of service. Our Former Customers Even if you are no longer an SEMPER customer, our Privacy Policy will continue to apply to you. Our Security Practices SEMPER prides itself on its security and information accuracy procedures. We restrict access to the nonpublic information of our customers to only those employees who need access in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information. This Privacy Policy applies to products or services provided by SEMPER to individual consumers and not other business. SEMPER reserves the right to change this Privacy Policy, and any of the policies described above, at any time. Any examples contained within this Privacy Policy are illustrations and are not intended to be exclusive.