Privacy Policy

Overview

You take online privacy seriously, and so does BearStone®. It's our way of sustaining your trust in our company, our products, and our services. Our privacy statement describes how we collect, protect, and use customer information.

There are a few simple things that you can do to safeguard your information on the Internet: keep your account number, user name, and password safe; be sure to use a secure browser and keep your virus detection software current; never open e-mail from an unknown source; and always log out of the loan status area when you're finished.

When you call, our security procedures require that we ask you for information only you would know-so we're sure it's you. However, no BearStone® employee will ever ask you for your account password.

This privacy statement applies to our online privacy policy. When you become a customer, and on an annual basis, we provide you with our privacy policy entitled "Important Information About Your Privacy." For complete information regarding our privacy policies and practices for customers, please refer to that notice.

While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at BearStone®. Here then, is our promise to our individual customers:

• We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
• We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
• We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.
• We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, been authorized by the customer, or are required by law.
• We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
• We will tell customers in plain language initially, and at least once annually, how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.
• Whenever we hire other organizations to provide support services, we will require them to conform to our policy standards and to allow us to audit them for compliance.
• For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources and clearinghouse services.
• We will not use or share - internally or externally - personally identifiable medical information for any purpose other than the underwriting or administration of a customer's policy, claim or account, or as disclosed to the customer when the information is collected, or to which the customer consents.
• We will attempt to keep customer files complete, up to date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we're prohibited by law), and how to notify us about errors which we will promptly correct.

We will continuously assess ourselves to ensure that customer privacy is respected. We will conduct our business in a manner that fulfills our promise in the many nations in which we do business.

YOUR PRIVACY IS OUR CONCERN

We recognize the importance of protecting your and/or your borrower's personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

What Personal Information Does BearStone® Collect?

There are several opportunities on our Web sites for you to provide us with personal information, such as your:
• name,
• mailing address, and
• e-mail address.

Why Is My Personal Information Collected?

When you fill out a loan application on our site, we may ask for a variety of information to help us evaluate your and your borrower's eligibility and the loan product that may be right for you. We may also obtain other information about you - for example, your credit report. This information is used solely to determine your eligibility for a loan.

Also if you choose to share any personal information with us, we may store it and use it for marketing research and other marketing purposes.

INFORMATION WE COLLECT

We collect the following types of public and nonpublic personal information about you:
• Information obtained from you on applications and other forms, and from other sources used to process your request for one or more of our products or services (e.g., your name, address, employment history, income, credit balances, property insurance coverage and other representations made by you).
• Information arising from your transactions with us, our affiliates or others (e.g., your payment history, account balance and other transactional information).
• Information obtained from consumer credit-reporting agencies (e.g., your credit history and creditworthiness).

How Is My Personal Information Collected in BearStone®?


We collect your personal information when you register through BearStone®'s registration Web pages and each time you update your personal information on our Web page.

Does BearStone® Use Cookies or Other Online Technologies to Collect Personal Information from Me?

Some of our Web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a Web site can send to your browser, which may then store the cookie on your hard drive. So when you come back to visit us again, we can tailor information to suit your individual preferences. The goal is to save you time and provide you with a more meaningful visit.

When you visit one of the BearStone® Web sites Web sites, we may collect and store information about your visit on an anonymous, aggregate basis. We use this information only to measure site activity and to develop ideas for improving our sites. This information may include:
• time and length of your visit,
• Web pages you looked at on our sites,
• Web site you visited just before coming to ours, and
• name of your Internet service provider.

Do You Share My Personal Information?


Except as discussed herein, we will only share nonpublic personal information about you with nonaffiliated third parties as permitted by law or with your consent. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements. We share with those companies only the customer information they need to do their job. These companies are subject to a thorough selection process, and they are contractually required to comply with strict standards of confidentiality.

We also partner with companies to offer services to you that we don't provide. These services are optional and not required by us. We are very careful in selecting these partners, and we require that they follow our privacy requirements. These companies are also contractually required to comply with strict standards of confidentiality, and they are not permitted to use customer information for any other purpose than providing their specific product or service.

What Choice Do I Have About Sharing My Personal Information?

Our Formal Customers. We treat information about our former customers in the same manner as we treat information about our current customers.
If you are a current BearStone® customer and you do not wish to receive e-mails from us, check the opt-out, box when you first access the Loan Status to opt out of receiving e-mails from us.

Can I Access My Personal Information to Make Changes?

There are also several opportunities on our Web sites for you to provide us with information about you and your interests, such as your name, mailing address, and e-mail address. If you choose to share any personal information with us, we may store it and use it for marketing research and other marketing purposes. If you are a current BearStone® customer and you do not wish to receive emails regarding discounts and special offers from us, check the opt-out box when you first access the Loan Status to opt out of receiving e-mails from us.

Is My Personal Information Secure?

We're constantly improving our security standards and practices to protect your confidential information. Access to your information is restricted to those employees who need it as part of their job. We provide regular training for those employees on privacy and security issues.

What About Children's Information?

We comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain any information from consumers under the age of eighteen.

Will BearStone® Make Changes to This Privacy Statement?

BearStone® reserves the right to alter its privacy principles as business needs require. Any alterations to these principles will be posted on our Web sites in a timely manner. As long as you remain a customer, we will provide you with an annual notice of this policy. We will provide notice of any revised policy to current customers and those consumers whose nonpublic personal information we share as described above. We reserve the right to change this policy at any time.

BearStone®, and its affiliates, are committed to providing the highest level of security and privacy regarding the collection and use of our user's personal information, as well as that of all visitors to our Web site. Personal information may be collected through the submission of registration information, bid submission and through online communications. We recognize the importance of respecting the privacy of our users and we hope that the following privacy statement will help you understand how BearStone® collects, uses and safeguards the personal information you provide to us on our Web site.

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to provide you with competitive financial products and services. If you have any questions after reading it, please contact us at info@bearstonedc.com.
What follows is a description of the information we collect and disclose, including the parties who receive non-public information from us.

Information We Collect About You

We collect information about you from the following sources:

• Information we receive from you on applications and other forms;
Information obtained when verifying the information you provide on an application or other form (this may be obtained from, but is not restricted to, your current or past employers, or from other institutions where you have conducted financial transactions);
• Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse financial products and services; Information we receive from a credit report agency and;
• Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our customers.

Disclosure of Information to Parties that Provide Services to Us

We may disclose information we collect, as provided by state and/or federal law and as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements, so that we may provide customers competitive products and services. We may also disclose non-public personal information about you under circumstances as permitted or required by state and/or federal law. These disclosures typically include information to process transactions on your behalf, conduct the operations of BearStone®, and follow your instructions as you authorize or protect the security of financial records.

Disclosure of Information About Former Customers

If you decide to terminate your relationship with BearStone®, we will not share information we have collected about you, except as may be required by state and/or federal law and will remove any information from our files within a reasonable period of time.

How to Opt Out or Stop Certain Disclosures About You

At this time, we do not intend to disclose non-public personal information other than as noted above. If in the future, BearStone® intends to disclose non-public information other than the above, BearStone® will provide an additional notice, and provide an opportunity to opt out if applicable. The opt out does not apply to disclosures that are legally permitted or required or to disclosures that BearStone® makes to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with BearStone®.

How We Protect Your Information

We restrict access to non-public 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 non-public personal information.

What Customers Can Do to Help

BearStone® is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

• Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you, explains the call is on behalf of BearStone® and asks for your account number, you should beware. Official BearStone® staff will have access to your information and will not need to ask for it.

BearStone®, and its affiliates, are committed to providing the highest level of security and privacy regarding the collection and use of our user's personal information, as well as that of all visitors to our Web site. Personal information may be collected through the submission of registration information, bid submission and through online communications. We recognize the importance of respecting the privacy of our users and we hope that the following privacy statement will help you understand how BearStone® collects, uses and safeguards the personal information you provide to us on our Web site.

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to provide you with competitive financial products and services. If you have any questions after reading it, please contact us info@bearstoneproperties.net.

What follows is a description of the information we collect and disclose, including the parties who receive non-public information from us.

• Information We Collect About You.
• Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
• Let us know if you have any questions. Please do not hesitate to call us - we are here to serve you.


This notice is provided pursuant to Title V of the Gramm-Leach-Bliley Act (GLBA) of 1999, 12 CFR 40.



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