Internet Privacy Policy

Welcome to America One Finance, the name behind FindMyRate.com. This section explains our policy regarding any personal information you might supply to us when you visit our web site. Our goal is to protect your information on the Internet.

You can visit this site and find out about our products and services, read about our company and receive other value-added services without giving us any information about yourself.

If you do provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographic and customer identification, it will be sent to us over a secure connection using Secure Sockets Layer (SSL) technology.

We will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.

In order to provide better service, we use "cookies". A cookie is a small piece of information, which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information.

Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you by telephone, e-mail, or postal mail. You can set up your web browser to inform you when cookies are sent, or to prevent cookies from being set.

Privacy Policy

YOUR PRIVACY MATTERS TO US

We recognize the importance to you of keeping your information secure and confidential. We will not sell or share nonpublic personal information about you with third parties either outside or within our corporate family except as explained in this Privacy Policy. This Privacy Policy covers personally identifiable information about both current and former customers who obtain financial products or services from us primarily for personal, family or household purposes, and is provided as required by the Federal Financial Privacy Law.

COLLECTING INFORMATION

When you seek to obtain financial products and services from us, we may collect nonpublic personal information about you from the following sources:

• Applications and other forms, or through other communication including information provided by mail, telephone, in person or electronically. Such information may include your name, address, employment, income, and other identifying information.
• Your transactions with us, members of our corporate family, or others. Such information may include, for example, your account balance and payment history.
• Consumer reporting agencies or other companies, which may include, for example, information regarding your creditworthiness or credit history.
• Other sources that may include, for example, verification of your employment history, credit balances, property insurance coverage or other representations made by you.
  

SHARING INFORMATION OUTSIDE OF OUR CORPORATE FAMILY

We may share all of the information described above with our service providers, whose services may include, for example, mailing account statements. Service providers may include, for example, insurance companies, payment processing companies, mail service companies, check-printing companies, and data processing companies. We may also share the information described above with companies that perform marketing services on our behalf. Such companies have agreed to keep confidential the information that we provide to them and to use the information only to carry out the functions we have asked them to perform. We do not share your nonpublic personal information with any company outside our corporate family for the purpose of marketing that company's products or services. Finally, we may disclose all of the information above as permitted by law.

SHARING INFORMATION WITH AFFILIATED COMPANIES

We may also share information regarding your transaction and account experience with us, including your name and address and your payment history with us, among our affiliated financial services companies, such as our mortgage banking companies and insurance agency. By sharing that information, we can better serve your financial needs and notify you of financial products and services that might interest you.

FORMER CUSTOMERS

If you were, but are no longer, our customer, the policies and practices described in this Privacy Policy will apply to you except as stated below in the section on "Additional Rights and Modifications."

PROTECTING CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to only those employees whom we have determined need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with applicable federal standards to protect nonpublic personal information.

ADDITIONAL RIGHTS AND MODIFICATIONS

You may have other privacy protections under state law. We will provide notice of our Privacy Policy to you annually, as long as you maintain a customer relationship with us. We reserve the right to change this Privacy Policy in any respect at any time, and we will inform you of changes as required by law.

SPECIAL NOTICE TO CALIFORNIA RESIDENTS

The information sharing practices described above are designed in accordance with federal law. California law places additional restrictions on sharing information about California residents, so long as they remain California residents. If you are a California resident, you have the right to control whether we share some of your personal and financial information with our affiliated companies and other companies we do business with to provide financial products and services. Please refer to the California notice of Important Privacy Choices for Consumers.

IDENTITY THEFT INFORMATION

If you believe you may be a victim of identity theft with regard to a America One Finance transaction, please submit your written statement to PO Box 471585 San Francisco, CA 94147-1585. If you have already filed a report with a law enforcement agency, please include a copy of the report with your correspondence. Additional information from you may be requested.

This Privacy Policy applies to:

America One Finance PO Box 471585
San Francisco, CA 94147-1585

Effective March 31st, 2005