Privacy Policy


This policy applies to all processing of personal data carried out by CRESTICO and has the objective of informing the user regarding the way in which CRESTICO carries out the processing of personal data (including details of the type of personal data collected and the purpose of processing) and regarding the rights of the user in relation to their personal data.

Contact – How can I contact?

In case of having any questions about the Privacy Policy, the user can contact CRESTICO through the following means:

  • Headquarters are located at: 22935 Ventura Blvd. Suite 201 Woodland Hills CA 91364
  • Contact phone number is: (818) 784-2929

The user may establish direct and effective communication with CRESTICO by written communication sent to any of the indicated addresses or also by sending an email to the address: [email protected]
In addition, information of the officer in charge of processing your personal data is listed below:

  • Trade name: CRESTICO
  • Identity of the controller: CRESTICO, INC.
  • Address: 22935 Ventura Blvd. Suite 201 Woodland Hills CA 91364
  • Email: [email protected]

Processing identification – How do we collect personal data?

In compliance with current regulations on the protection of personal data, especially:

  • The California Consumer Privacy Act (CCPA), Assembly bill No. 375.

CRESTICO collects personal data in its possession when the user:

  • (i). completes the forms of (‘Site’), app and/or company platform;
  • (ii). subscribes to the newsletter;
  • (iii). answers a poll or completes a web form;
  • (iv). completes a printed form;
  • (v). sends an email or communicates by phone, which are then loaded in the corresponding forms;

Personal Data Collected – What personal data do we collect?

CRESTICO collects information when visiting their web page, using their application and/or platforms, and mainly by completing its registration forms.

The following data is collected: full name, email, phone number, gender, date of birth, nationality, address and credit information.

As a rule, when personal data is requested to use a service or access certain content, its delivery will not be mandatory, except for those cases where it is specifically indicated that it is data required for the provision of the service. In this case, the user may freely choose not to register and/or not to contract the services.

The user declares and guarantees that all the data provided by him are true and correct and undertakes to keep them updated. The changes may be communicated to the Data Protection Delegate or to the address indicated in Section 2 hereof.

Likewise, the user acknowledges that the data required by CRESTICO are necessary, adequate, and not excessive to carry out the purposes expressed in Section 5 hereof, which would be impossible to fulfill if said data are not provided.

Any false or inaccurate statement that occurs as a result of the information and data given, as well as the damages that such information may cause, will be the responsibility of the user.

Purpose – What do we use personal data for?

The personal data requested to the user will be used for the following purposes:

  • To provide our Service and fulfill your requests. We use your information to provide and maintain our Service, to process and fulfill your requests, to communicate with you about your use of our Service or changes to our Service, to respond to your inquiries, and for other customer service and business administration purposes. For example, when you enroll in a newsletter, we may use your personal information to deliver that newsletter to you.
  • Identification and authentication purposes. We may use your information for identification and authentication purposes. For example, when you enter your account login ID and password to enter one of our registration or login portals, we use your login credentials to authenticate your identity.
  • Personalization. We use your information to tailor the content and information that we may send or display to you, to offer location customization, and personalized help and instructions, and to otherwise personalize your experience while using the Service. For example, if you allow us to collection geolocation data, we use this information to deliver content that is around your specific location and identify business location/listings around your location.
  • Marketing and promotional purposes. We may use your information to send you news and newsletters, event updates, and to communicate with you about new features, offers, events, or products, or to otherwise contact you about information we think may be of interest to you. We may also use your information to display advertisements to you on our site (including to sell advertising space on the Service) and on other unaffiliated websites and services.
  • Research and reporting. We may use your information to administer surveys and questionnaires (online and offline) for research and reporting purposes to help us better serve individuals by learning more about their needs and the quality of the products, services, and educational information we provide. The survey responses may be utilized to determine the effectiveness of our Service, various types of communications, advertising campaigns and/or promotional activities.
  • Combining information. We (and our third party business partners on our behalf) may merge, co-mingle, or otherwise combine information, including your personal information, in furtherance of the purposes described above.
  • To comply with legal obligations. We may use your information to comply with our legal obligations or to exercise or defend our rights or the rights of a third party, including complying with law enforcement or government authority requests and participating in compliance audits.
  • To protect us and others. We may use your information where we believe it necessary to investigate, prevent, or take action regarding suspected or actual illegal activities, fraud, situations involving potential threats to the safety of any person or to otherwise enforce this Policy, our Terms and Conditions, and the integrity of the Service.
  • Deidentified data. We may also deidentify or anonymize your data in such a way that you may not reasonably be re-identified by us or another party, and we may use this deidentified data for any purpose permitted under applicable law. To the extent we deidentify any data originally based on personal information, we will maintain and use such data in deidentified form and will not attempt to reidentify the data.

The data subject to treatment will not be used for purposes other than or incompatible with those mentioned above and that motivated its collection. Notwithstanding the foregoing, it is stated that the recorded data may be used, in addition to the purposes for which it was expressly collected, for the purpose of carrying out statistics, managing incidents or conducting market studies. However, in the event that personal data is processed for a purpose other than that initially specified when collecting said data, a compatibility analysis will be carried out by CRESTICO in accordance with applicable regulations. The processing will only be authorized if the original purpose is compatible with the new purpose or allowed in accordance with an independent legal basis. In these cases, the user will be informed of the changes in purpose or legal justification for the processing of their data.
We remind the user that they can oppose the sending of commercial communications (unsubscribe) and stop receiving emails from CRESTICO, reliably notifying CRESTICO, which will proceed to interrupt in the shortest possible time after receiving such communication. For this purpose, it may send an email to the address indicated in Section 2, a postal mail addressed to the address indicated in Section 2 hereof, or directly follow the unsubscribe instructions detailed at the end of each email of CRESTICO.

How do we use your information?

We will use the information we collect about you for the following purposes:

  • Administration info
  • Creating user account
  • Testimonials
  • Customer feedback collection
  • Enforce T&C
  • Manage customer order
  • Support
  • Targeted advertising
  • Administration info
  • User to user comments
  • Site protection
  • Dispute resolution
  • Manage user accounts
  • Processing payment: Stripe, Paypal

If we want to use your information for any other purpose, we will ask for your consent and use your information only when we receive your consent and then only for the purpose(s) for which consent will be granted, unless we are required by law to do otherwise.

We will retain your personal information with us for 60 months after user accounts remain idle or for as long as necessary to fulfil the purposes for which it was collected, as detailed in this Privacy Policy.


By providing personal data to CRESTICO, the user declares to accept its processing fully and without reservation by CRESTICO. The user gives his/her free, express and informed consent to CRESTICO’s use of the data collected for the purposes indicated in Section 5, as well as its incorporation into a CRESTICO database.

The CRESTICO carries out the processing of legitimised user data: (i) the contracting of CRESTICO services by the user, in accordance with the terms and conditions that are made available to the user at the end of the completion of the service request form (prior to possible contracting) and which the user (after reading them), and if the user agrees, can accept by ticking the box that has been included for this purpose; and (ii) the free, informed and unambiguous consent of the user, made after reviewing this privacy policy, where CRESTICO informs you of the processing it will carry out with your data, and if you agree, by ticking the box that has been included for this purpose in the service request form. Data processing that is not covered by any of the above legal bases will be carried out if CRESTICO considers it necessary to protect a legitimate interest and only if it does not infringe the fundamental rights and freedoms of the user.

Validity – How long do we keep it?

The data will be destroyed or archived when it is no longer strictly necessary or relevant for the purposes described in Section 5 above. In particular, personal data will be kept for as long as the business relationship is in force (and to the extent that you have not previously requested their deletion) and for as long as obligations, indemnities and/or liabilities may arise under the business relationship or for the services provided.
CRESTICO informs you that it will retain information essential to identify the origin of the data stored for the duration of the client’s relationship with CRESTICO and/or revocation of the user’s consent in accordance with the information in Section 5 of this Privacy Policy and/or as long as required by applicable law.

Confidentiality / Assignment / International Transfer – Do we disclose data to third parties?

CRESTICO will keep collected personal data private and confidential, and will not use it for purposes other than those set out in Section 5 hereof. CRESTICO requires its employees and third parties providing services that access the contents of the databases to sign confidentiality and personal data processing agreements (or include such obligations in the service agreements it signs with such providers, as indicated in the following paragraph).

The user’s personal data collected by CRESTICO will not be transferred, sold, exchanged, transmitted and/or communicated to third parties outside CRESTICO without the user’s consent, except for legal obligation and/or for the purpose of providing the services to the user. This does not include certain employees and service providers enabling CRESTICO to keep the Site operational, fulfil the objectives set out in Section 5 of this document and/or provide services to the user, who have undertaken the obligation to maintain the confidentiality of the data provided and undertake to comply with applicable regulations on the protection of personal data, at the time of contracting. Contracts with service providers stipulate the purpose, scope, content, duration, nature and purpose of data processing, the type of personal data, the categories of data subjects and the obligations and responsibilities of CRESTICO and contracted third parties.

In particular: CRESTICO may share the personal information provided with parent companies, affiliates, subsidiaries, related companies and/or intermediaries related to CRESTICO.

CRESTICO may share certain user-provided personal information internally within CRESTICO, with certain departments, such as administration, marketing, or IT.

  • In certain cases, CRESTICO transfers personal data based on legitimate interest and the economic and technical advantages associated with the use of specialized providers. In this sense:
    • Maps. CRESTICO uses Google Maps to include maps on the Site. Integration to Google Maps allows Google to collect the user’s IP address. The user can consult the privacy policy and other legal aspects of said company at the following link:
    • YouTube. The Site has links to YouTube in relation to videos linked to CRESTICO services. As indicated in Section 13 hereof, by using these links the user is leaving the Site and is redirected to the YouTube page. The user can consult the privacy policy and other legal aspects of YouTube in the following link:
    • Facebook. CRESTICO has integrated Facebook components on the Site. In particular, CRESTICO uses the Facebook advertising platform. The company that operates the Facebook services is Facebook Inc., 1 Hacker Way, Menlo Park, CA 94025, USA. The user can consult the privacy policy and other legal aspects of said company in the following link:
    • Instagram. The Site has links to Instagram. As indicated in Section 13 hereof, by using these links the user is leaving the Site and is redirected to Instagram. The user can consult the privacy policy and other legal aspects of Instagram at the following link:
    • Linkedin. The Site has links to Linkedin. As indicated in Section 13 hereof, by using these links the user is leaving the Site and is redirected to Linkedin. The user can consult the privacy policy and other legal aspects of Linkedin at the following link:
    • Twitter. The Site has links to Twitter. As indicated in Section 13 hereof, by using these links the user is leaving the Site and is redirected to Twitter. The user can consult the privacy policy and other legal aspects of Twitter at the following link:
    • Tik Tok. The Site has links to Tik Tok. As indicated in Section 13 hereof, by using these links the user is leaving the Site and is redirected to Tik Tok. The user can consult the privacy policy and other legal aspects of Tik Tok at the following link: US: EEA/UK/CH: GLOBAL:
    • Google Analytics. CRESTICO utilizes Google Analytics for website analytics. This integration involves Google collecting the user’s IP address and usage data. Users can refer to the privacy policy and other legal information of Google Analytics by visiting the following link:
    • Google Fonts. CRESTICO incorporates Google Fonts to enhance the visual aesthetics of the Site. This integration may result in Google collecting information about the user’s device and usage. Users can review the privacy policy and additional legal details of Google Fonts by visiting the following link:

Social Networks. CRESTICO also uses social networks, such as Facebook or Instagram, and has integrated functions of these networks into its services. The user may only use these social networks to the extent that they are registered in them and have accessed the corresponding social network with their user. These social networks have their own privacy policies and their own terms and conditions, over which CRESTICO has no interference or control.

Finally, you should be aware that CRESTICO may (and that CRESTICO reserves the right to) disclose your information in the following cases:

  • Business transfer: If we or our subsidiaries are acquired, merged, or invested in by another company, or if any of our assets are transferred or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected about you to the other company. As part of the business transfer process, we may disclose certain information about you to lenders, auditors, and outside advisors, including lawyers and consultants.
  • Compliance with the law: We may disclose your personal information to comply with the law, a legal proceeding, a court order, or other legal process, such as in response to a court order or subpoena.
  • Protection and Facilitation of Rights: We may disclose your personal information when we believe it is appropriate to investigate, prevent, or take action against illegal activities, suspected fraud, situations that may pose potential threats to the safety of any person, or violations of our Terms and Conditions or this Policy. This disclosure may also include using your personal information as evidence in litigation in which we are involved. Additionally, we may disclose your personal information when necessary to assist you in exercising your rights under the Terms and Conditions of CRESTICO and this Privacy Policy.
  • Reasons related to public safety, national defense, or public health: In situations where there are well-founded reasons related to the safety of the community, national defense, or public health, your personal information could be disclosed.
  • Aggregate, anonymized, or de-identified information: We may disclose aggregate, anonymized, or de-identified information about you for any purpose permitted by applicable law.
  • Consent: We may disclose your personal information with your consent.

Security – How do we ensure data security?

CRESTICO declares its intention to adopt the necessary technical and organisational measures to ensure the security, integrity and confidentiality of the data in accordance with the provisions of CCPA in order to prevent its tampering, loss, consultation or unauthorised processing. In particular, all the credit data provided is transmitted via SSL (Secure Socket Layer) and encrypted in the database of the payment platform of the provider of these payment services. It is stated that credit data (credit card number, among others) are not stored in the CRESTICO servers or in Google Drive. In order to guarantee the confidentiality of the processing, the payment service provider is contractually obliged to respect the confidentiality of the information.

CRESTICO does not guarantee absolute privacy when using the Site, since the possibility that unauthorised third parties may have knowledge of it cannot be excluded. The user acknowledges that the existing technical means that provide security are not impregnable and that even when all reasonable security precautions are taken, it is possible to suffer manipulation, destruction and/or loss of information. In the event that a security incident is detected and entails a significant risk to the data owner, such event will be reported without delay to the competent control authority, together with the corrective and remedial measures implemented and/or to be implemented.

CRESTICO is not responsible for the loss or deletion of data by users. Similarly, CRESTICO accepts no responsibility for possible damage caused by computer viruses.

Finally, the user must also take measures to protect their information. CRESTICO insists that you take every precaution to protect your personal information while on the Internet. At the very least, it is advisable to change your password periodically, using a combination of letters and numbers, and to make sure you are using a secure browser.

Data owner rights and procedures to respond to their exercise – What rights do I have as a data owner?

The data owner user may at any time exercise the rights of access, rectification, cancellation, opposition, limitation of processing, portability, confidentiality and deletion of his/her personal data, in accordance with the provisions of the CCPA, as applicable.
The exercise of these rights may be carried out by the user him/herself by means of an e-mail addressed to [email protected], or by any of the methods provided for in the applicable regulations referred to above. CRESTICO may request the data necessary to validate the identification of the data owner.

The deletion of some data shall not be carried out where it may cause damage to the legitimate rights or interests of third parties, or where there is a legal obligation to retain the data.

If you are located in the UK or EEA, and subject to national or local law exemptions, you have certain data protection rights in certain circumstances. Please contact us if you would like to exercise any of these rights.

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
  • Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent.
  • Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected.
  • Restrict the processing of their Data. Users have the right to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
  • Have their Personal Data deleted or otherwise removed. Users have the right to obtain the erasure of their Data from the Owner.
  • Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Training – Do we train?

The staff of CRESTICO whose functions are related to the processing of personal data are trained in order to ensure better protection of personal data and the rights of data subjects.

Links to third parties – Does our Site contain links to other websites?

The Site may contain links to third party websites, with or without advertising content, whose privacy policies are foreign to CRESTICO. The linked sites are not related to CRESTICO and, their existence in no way presupposes that there is any kind of suggestion, invitation or recommendation to visit the target sites or any kind of link or association between CRESTICO and such sites. CRESTICO is not responsible for the content, use and activities of these linked sites, or for any actual or potential, material or moral, direct or indirect damages suffered by users and derived from the information contained in such sites or the relationship that users may establish with third parties whose services have been published on the Site. Notwithstanding the above, any feedback on these linked sites will be useful to CRESTICO in order to improve the services and/or ensure the integrity of the Site. CRESTICO undertakes to do everything possible to prevent the existence on its Site of links to sites with illegal content.

Children’s Privacy

At CRESTICO, we recognize the importance of protecting the privacy of children. Our commitment to safeguarding the personal information of minors is unwavering. We may collect and process personal information from children under the age of 13, but only in compliance with all applicable laws and regulations, including obtaining parental or guardian consent as required.

If you are a parent or guardian and you believe that we have collected personal information from your child without appropriate consent, please contact us immediately, and we will take prompt action to address the situation.

For residents of California: We do not sell the personal information of California consumers who are 16 years old or younger unless we have obtained prior parental authorization. If your child is under the age of 13, we insist on receiving parental or guardian consent for the collection and processing of their personal information. If your child falls within the age range of 13 to 16 years, they can opt-in to allow the sale of their personal information. Our websites and services designed for children will incorporate age verification and ensure the necessary consents are obtained.

For EU residents: We do not collect or process personal information of individuals in the EU under the age of 16 without explicit consent from a parent or guardian. Our websites and services directed towards children will include age verification and require the appropriate consents.

Cookies – Do we use cookies?

When you visit the Site, CRESTICO may store certain information on your computer in the form of a “cookie” or similar file. The Site uses cookies to (i) track advertising, (ii) collect traffic data from the Site, and (iii) improve the user experience when using the Site.

The user should be aware that, in order to browse the Site, it is not necessary for him or her to allow the installation of cookies sent by the Site. This may only be required in relation to certain services. You may delete cookies from your computer hard drive, prevent access to your computer through your browser or by choosing the corresponding option when asked about the possibility of using cookies for these purposes and in accordance with CRESTICO Cookie Policy.

Cookies are files of information that a website or the provider of certain services on the site transfers to the hard drive of the user’s computer via the browser. Cookies by themselves cannot personally identify the user (although they may contain the user’s IP address) but they allow them to recognise the user’s browser, and to capture and store certain data (the user’s operating system, the domain name of the website from which the Site was linked, among others). CRESTICO reserves the right to hire the services of third parties to analyse and understand the users of the Site, who may not use the information collected for purposes other than improving CRESTICO’s services.


Your use of the Site constitutes your acknowledgement and approval of CRESTICO’s Privacy Policy and CRESTICO’s Terms and Conditions, if any. Likewise, the user accepts CRESTICO’s Privacy Policy and CRESTICO’s Terms and Conditions by completing the request for services.

Do United States residents have specific Privacy Rights?

You may have certain rights regarding our processing of your personal information under applicable local law. If our processing of your personal information is governed by such laws, this section provides you with additional information regarding your rights and our processing of your personal information under applicable local law.


We may send periodic promotional emails to you. You may opt-out of promotional emails by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving promotional emails, we may still send you emails about your account or any services you have requested or received from us.


Your personal information will be held for only so long as it is necessary for the purpose for which it was originally collected, and in accordance with applicable local law. We will retain your personal information for the period necessary to fulfill the purposes outlined in this Policy. When assessing retention periods, we first examine whether it is necessary to retain the personal information collected and, if retention is required, work to retain the personal information for the shortest possible period permissible under applicable law. To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of the personal information, the purposes for which we process the personal information, and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.


Depending on the jurisdiction in which you live, you may have the following rights under applicable local law:

  • Right to request access and a copy of your personal information and information relating to how it is processed;
  • Right to request deletion of your personal information;
  • Right to request the correction or update of the personal information we hold about you;
  • Right to opt-out of “sales” of your personal information and “sharing” of your personal information for cross-context behavioral advertising purposes (as these terms are defined under applicable law)
  • Right to opt-out of targeted advertising;
  • Right to limit our use of your sensitive personal information;
  • Right to not be unlawfully discriminated against for exercising your rights.

These rights may be limited or denied in some circumstances. For example, we may retain your personal information where required or permitted under applicable law. You may also opt-out of our “sale” or “sharing” of your personal information through privacy preference signals recognized under applicable local law, such as the Global Privacy Control (GPC), but please note that this signal will be linked to your browser only. For more information on the GPC and how to use a browser or browser extension incorporating the GPC signal, see


In order to protect your information, we will confirm a requestor’s identity before responding to any request. To start the process, you must provide your name and email. We will ask you at least one question, and you must reply by email with the correct answer for each question based on your previous interaction with us. If we still cannot verify your identity as required by applicable laws, we will let you know and may ask additional questions. Otherwise, we will acknowledge your request and contact you later with our full response. We will only send verification questions from [email protected]. Before sending a verification response, please double-check the email address. If you receive an email that appears to be from us but is not from our verification email address listed above, do not respond. Any information we gather through this process will only be used for consumer verification, security procedures, or fraud-prevention. We will delete any verification information as soon as practical after processing your request.


You may designate an authorized agent to exercise your rights under applicable laws on your behalf. Pursuant to applicable laws:

  • You must provide the authorized agent written permission to exercise your rights under applicable laws on your behalf.
  • We may deny a request from an authorized agent on your behalf if the authorized agent does not submit proof that he, she, or it has been authorized by you to act on your behalf if we request such proof, as permitted by applicable laws.
  • Even if you use an authorized agent to exercise your rights under applicable laws on your behalf, pursuant to applicable laws we may still require that you verify your own identity directly to us.


“Financial incentive” means a program, benefit, or other offering, including payments to consumers as compensation, for the disclosure, deletion, sale, or sharing of personal information.

The law permits financial incentives or a price or service difference if it is reasonably related to the value of the consumer’s data. A business must be able to explain how the financial incentive or price or service difference is reasonably related to the value of the consumer’s data.

The explanation must include:

  • a good-faith estimate of the value of the consumer’s data that forms the basis for offering the financial incentive or price or service difference; and
  • a description of the method the business used to calculate the value of the consumer’s data.\n We may decide to offer a financial incentive (e.g., price or service difference) in exchange for the retention, sale, or sharing of a consumer’s personal information.

We do not offer financial incentives to collect personal information and we will not discriminate against you if you exercise any of the rights provided by applicable laws set forth in this Privacy Policy. Please note that a legitimate denial of a request for information, deletion, or to opt-out is not discriminatory, nor is charging a fee for excessive or repetitive consumer requests as permitted by applicable laws.


If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may contact the Attorney General to submit a complaint.


California Civil Code Section 1798.83, also known as the ‘Shine The Light’ law permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with the Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated.

With your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).”

Modifications – Is this the most current version?

This is the current version of the CRESTICO Privacy Policy, updated on January 31, 2024.

CRESTICO may at any time and without prior notice, modify this Privacy Policy. Such modifications will be operative from their publication on the Site or when they are notified to users by any means, whichever occurs first. The user must keep informed about the terms included here by entering periodically.

California Privacy Policy

Effective Date: July 1, 2020

Notice for California Residents

The California Consumer Privacy Act (CCPA) gives California residents certain rights regarding their personal information. This California Privacy Notice (“Notice”) describes these rights and provides disclosures required by the CCPA regarding how CRESTICO, INC. (“CRESTICO”, “we,” “us,” or “our”) collects, uses and discloses California residents’ personal information.

CCPA Scope and Exemptions
This Notice applies to information of California residents that constitutes “personal information” under the CCPA to the extent CRESTICO handles such personal information in its capacity as a “business” under the CCPA. However, this Notice does not apply to information exempt from or otherwise not subject to the CCPA’s requirements. In certain cases, we may provide a different notice to California residents pursuant to the CCPA, in which case that notice will apply instead of this one.

CCPA Rights: The CCPA grants residents of California the rights described below. These rights are not absolute and are subject to certain exemptions, so in certain cases we may deny your requests regarding these rights as permitted by law.

Right to Know About Personal Information Collected, Disclosed, or Sold: You have the right to request the following from CRESTICO:

  • A copy of the personal information we have collected about you in the preceding 12 months.
  • The categories of personal information we have collected about you in the preceding 12 months.
  • The business or commercial purpose for collecting and/or selling your personal information.
  • The categories of sources that we used for collecting your personal information.
  • The categories of your personal information that we have sold or shared for business purposes in the preceding 12 months.
  • The categories of third parties to whom we sold your personal information or disclosed it for a business purpose in the preceding 12 months.

Right to Request Deletion of Personal Information: You have the right to request the deletion of your personal information collected by us.

Please understand that we cannot provide you any services that depend on personal information that we have deleted at your request.

Right to Non-Discrimination: Exercising your privacy rights under the CRESTICO California Privacy Notice will not lead to any discriminatory treatment from us in violation of the CCPA.

Right to Opt Out: You have a right to opt out from the “sale” of your personal information. We do not sell your personal information in the conventional sense, i.e., for money.

However, we may share your information in two ways that could constitute a statutory “sale” under the CCPA’s broad definition of that term:

  • Like many companies, we use services that help deliver interest-based ads to you, such as the services associated with the advertising cookies described in our Privacy Policy. Our use of these services may constitute a “sale” of your personal information for purposes of the CCPA because the advertising partners that provide the services collect information from our users (e.g., the device data and online activity data described above) to help them serve ads more likely to interest them.
  • When you direct us to share your personal information with our partners to obtain offers for financial products and services, those partners reserve the right to use and disclose your personal information as described in their privacy policies.

For more information or to opt out of any future sharing of your information for the purposes above by emailing [email protected].

Authorized Agent: Your authorized agent may make a request pursuant to the CCPA on your behalf upon our verification of the agent’s identity and our receipt of a copy of valid power of attorney given to your authorized agent pursuant to California Probate Code Sections 4000-4465. If you have not provided your agent with such a power of attorney, you must provide your agent with written and signed permission to exercise your CCPA rights on your behalf, provide the information we request to verify your identity, and provide us with written confirmation that you have given the authorized agent permission to submit the request.

Methods for submitting requests under CCPA

Identity verification

We will need to verify your identity to process your information, access and deletion requests and reserve the right to confirm your California residency. Authentication into your online account with us (if applicable), government identification, declarations under penalty of perjury or other information may be required. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.

Shine the Light

It is our policy not to disclose personal information (as defined in California’s Shine the Light Law, California Civil Code Section 1798.83) provided to us by our customers (as defined in the Shine the Light Law) to third parties for their direct marketing purposes if the customer has exercised an option that prevents that information from being disclosed to third parties for those purposes. Such customers may exercise this option by submitting a CCPA opt-out request here.

ADA and Accessibility Statement

Undefined Accessibility Statement: Updated: May 2020.

General: Undefined strives to ensure that its services are accessible to people with disabilities. Undefined has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu: The accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer: Undefined continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You If you are experiencing difficulty with any content on or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us: If you wish to report an accessibility issue, have any questions or need assistance, please contact Undefined Customer Support as follows: Email: [email protected]

Advertising - General Disclaimer

CRESTICO, INC. is an Equal Housing Opportunity Broker/Lender Licensed by California Bureau of Real Estate LIC.# 01861921 & NMLSR ID 275201 & Department of  California Business Over Sight License #603L103. This information is not intended to be a disclosure as defined by Federal Reserve REG Z RESPA, or any state law, regulation or statue. This information is not indented nor should be construed as an advertisement to promote consumer credit as defined by Title 12, Code of Federal Regulations Section 226.2. Rates and Program are subject to change without notice. Not everyone will qualify. This is not a commitment to lend. Some products may not be available in all states. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Our service is 100% completely free and there is no cost to submit a quote request, get matched with service providers, and receive mortgage offers. Of course, you will be responsible for paying any closing costs, loan processing fees, or other fees directly to the lender that you choose to close your loan with. The rate and payment referenced on our site or in any advertisement is for guidance and is based on available rates and terms from our lender network. The interest rate, APR, and terms that you are offered may vary based on your mortgage loan request and are determined by the lenders that you are matched with. There is a possibility that you may not be matched with the particular service provider that is making this example offer. Advertised rates are subject to change daily without notice.  LOAN COMPARISONS The loan comparisons above are presented as an estimate of possible mortgage scenarios and are for illustrative purposes only. Rates and pricing may differ according to loan amount. Monthly payments are principal and interest only and do not include taxes, insurance or any other fees that may apply, which will result in a higher actual payment. A monthly PMI payment may apply as well as an upfront funding fee. ASSUMPTION Rates and pricing may differ depending on actual loan amount, credit scores and property value. Property Tax, Home Owners Insurance, Title, Escrow and Additional Third Party Fee may apply.  For the following consumer segment: Loan Amount between $300 to $417K, 760+ FICO, LTV <=75%, SFR, Primary Home, Rates, points and APRs shown are for a 15-day lock, monthly escrowing of taxes & insurance & MIP if required. Rates and terms vary and are subject to change based on specific lender requirements and fluctuations in interest rate markets. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. All credit decisions will vary based upon your loan request and creditprofile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets. $175,000 for $701/month – Disclosure current as of September 15th, 2014.

  •  The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $701 based upon a loan amount of $175,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$200,000 for $801/month – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $801 based upon a loan amount of $200,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.625 discount points (and $1,250 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$250,000 for $1001/month – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $1001 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.375 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

3.8% FIXED Rate (3.9 APR) – Disclosure current as of September 15th, 2014.

  • The advertised rate is a 30 Year Fixed loan with a 30-year fully amortizing term.
  • The Annual Percentage Rate (APR) is 3.9%
  • The monthly payment is $1164 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 1.00 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% FIXED Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

  • The advertised rate is a 15 Year Fixed loan with a 15-year fully amortizing term.
  • The Annual Percentage Rate (APR) is 3.0%
  • The monthly payment is $1690 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 1.00 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $1001 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.
Advertising - Rate Assumptions

Rates displayed on our network of websites are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Mortgage Loan Originators at (818) 784-2929 for a customized rate and payment quote.

Advertising - Best Rate Guaranteed

It assures that you’ll always get the best rate available when you check our website direclty. Here’s how it works:

  1. Perform an Mortgage Interest Rate check using any official CRESTICO channel (, or call us directly)
  2. If you find a lower interest rate for the same mortgage program based on information provided on a non-CRESTICO website, you may submit a Best Rate Guaranteed claim.
    1. Claim must include the following: Screen Shot of the rate displayed including URL and Date (We recommend you to print that page) from the non-CRESTICO website.
    2. Exact information provided to obtain that rate.
    3. email your claim to [email protected]
  3. If we approve your claim, we will match the Interest Rate and cost OR offer $250 for your time and inconvenience. 
Advertising - MLS® Disclaimer

This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. Any property information referenced on this website comes from the Internet Data Exchange (IDX) program.
The data contained herein is copyrighted by California Regional Multiple Listing Service, Inc. (CRMLS)/CAREST/ The MLS Combined LA/Westside MLS® (CLAW)/CRISNet/ i-Tech MLS/PSRMLS/VCRDS and is protected by all applicable copyright laws.

Cookies Policy

Information about our use of cookies

This website uses cookies to help us provide our users with a good experience when they browse our website and also allows us to improve our site.

What is a cookie?

A cookie is a small file of letters and numbers that we store on user’s browser or their computer’s hard drive if they agree. Cookies contain information that is transferred to user’s computer’s hard drive.

Types of cookies and how we use them

We perform cookie scans on our website on a regular basis and maintain our cookie list updated. We classify cookies in four categories:

  • Necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable website visitors to log into secure areas of our website, use a shopping cart or make use of e-billing services.-PHPSESSID Expiration: Session Description: Cookie generated by applications based on the PHP language. This is a general purpose identifier used to maintain user session variables. It is normally a random generated number, how it is used can be specific to the site, but a good example is maintaining a logged-in status for a user between pages.-illow-consent Expiration: Session Description: This cookie is used to keep track of a given consent in the platform
  • Analytical/performance cookies. They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.-_ga Expiration: 400 days Description: ID used to identify users-ga Expiration: 400 days Description: ID used to identify users-lastExternalReferrerTime Expiration: Session Description: Analyze user behavior and optimize user flow

    lastExternalReferrer Expiration: Session Description: Track website traffic sources and external referrals

  • Preferences cookies. These are used to recognize users when they return to our website. This enables us to personalize our content for them and remember their preferences (for example, their choice of language or region).
  • Marketing cookies. These cookies record users’ visits to our website, the pages they have visited and the links they have followed. We will use this information to make our website and the advertising displayed on it more relevant to our website visitors interests.-_gcl_au Expiration: 90 days Description: Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.-test_cookie Expiration: 1 hours Description: This cookie is set by DoubleClick (which is owned by Google) to determine if the website visitor’s browser supports cookies.-_fbp Expiration: 90 days Description: Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers

    IDE Expiration: 390 days Description: This cookie is used for targeting, analyzing and optimisation of ad campaigns in DoubleClick/Google Marketing Suite

Depending on user’s location, they will be able to opt-out from each cookie category (except necessary cookies) by clicking on the “set custom permission” in the cookie banner of our website.

Digital Millennium Copyright ACT (DMCA)

Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to this website operator’s Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.
In accordance with the Digital Millennium Copyright Act (“DMCA”), CRESTICO, INC. (“CRESTICO”) has adopted and implemented the following notice-and-takedown procedure for copyright owners whose copyrighted work(s) appear on our websites without permission:

CRESTICO has designated an agent (“DMCA Agent”) to receive and respond to proper written notifications from copyright owners who claim inappropriate use of copyrighted materials on our websites or through our Services. Should CRESTICO’s DMCA Agent receive such a notification in the manner set forth below alleging copyright infringing activity, CRESTICO will take whatever action it deems appropriate, in its sole discretion, including removal of the offensive content, contacting the relevant CRESTICO account holder, and/or terminating any CRESTICO account that is found to repeatedly post infringing content.

Electronic Submission URL:
DMCA Agent Address:

Click here for our Address CRESTICO
DMCA Agent
c/o General Counsel

All infringement notifications must be submitted in writing to CRESTICO’s DMCA Agent at the postal address and URL Web Address above listed, and must include the following: (1) identification of the copyrighted work(s) claimed to be infringed; (2) identification of the material or link allegedly hosting the infringing content; (3) the copyright owner’s contact information (including mailing address, telephone number, and email address); (4) the following statements: (i) “I hereby state that I have a good faith belief that the use of the copyrighted material is not authorized by the copyright owner, its agent, or the law,” and (ii) “I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner or am authorized to act on behalf of the owner of the copyright that is allegedly infringed;” and (5) the full name and electronic or physical signature of the copyright owner or the copyright owner’s agent.

If you give notice of copyright infringement by e-mail, an agent may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action.

This information should not be construed as legal advice. We recommend you seek independent legal counsel before filing a notification or counter-notification. For further information about the DMCA, please visit the website of the United States Copyright Office at:

Email and Instant Messaging

This message is for informational purposes only. It is not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. All market prices, data and other information are not warranted as to completeness or accuracy and are subject to change without notice. Any comments or statements made herein do not necessarily reflect those of CRESTICO.

This message may contain information that is proprietary, privileged, confidential, and/or exempt from disclosure under applicable law. This message is specific to the recipient and may not be reproduced, redistributed or transmitted, in whole or in part, without the prior written consent of CRESTICO. If you are not the intended recipient, you are not authorized to use the information in this message in any way, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited.

CRESTICO does not guarantee that communications transmitted electronically (sent or received) are secure, accurate or complete as information could be intercepted, tampered with, corrupted, lost, destroyed or delayed or could contain viruses. Although this message and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free.

Electronic communications are not a reliable means of communicating with CRESTICO. As such, CRESTICO does not accept any responsibility for the contents of any electronic communication or for any delays, inaccuracies or omissions in the receipt of your instructions or in the transmission of orders or other information to CRESTICO and disclaims all liability to the fullest extent permitted by applicable law for any loss or damage arising from any reliance on or use of this message in any way.

Please note that any electronic communication that is conducted within or through CRESTICO’s systems is subject to monitoring, review, retention and external production; may be stored or otherwise processed in countries other than the country in which you are located; and will be treated in accordance with CRESTICO’s policies and applicable laws and regulations.

By messaging with CRESTICO and It’s staff, Associate-Licensees , you understand and accept all risks associated with electronic communications.

Fair Housing ACT

CRESTICO, INC., fully support the principles of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968), as amended, which generally prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability). In addition, each and every CRESTICO, INC., office is contractually required to comply, in all respects, with all laws, rules and regulations applicable to the real estate industry, including without limitation, the requirements imposed by the Fair Housing Act. As an adjunct to the foregoing commitment, both CRESTICO, INC. actively promote, and are committed to, creating and fostering an environment of diversity throughout their respective organizations and franchise systems, and each views such a concept as a critical component to the on-going success of their business operations.

Fair Housing Statement
Federal and state fair housing laws were put into effect to create an even playing field for homebuyers in all areas of a real estate transaction. These laws prohibit discrimination based on race, color, religion, sex, disability, familial status, and national origin.

Fair Housing Act
The Fair Housing Act of 1968 makes fair housing a national policy. It prohibits discrimination in the sale, lease or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, disability, familial status or national origin.

Civil Rights Act of 1866
The Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property.

Americans with Disabilities Act
Title III of the Americans with Disabilities Act prohibits discrimination against persons with disabilities in commercial facilities and places of public accommodation.

Equal Credit Opportunity Act
The Equal Credit Opportunity Act makes it unlawful to discriminate against anyone on a credit application due to race, color, religion, national origin, sex, marital status, age or because all or part of an applicant’s income comes from any public assistance program.

The home seller, the home seeker, and the real estate professional all have rights and responsibilities under the law.

For the Home Seller
You should know that as a home seller or landlord you are obligated not to discriminate in the sale, rental and financing of property on the basis of race, color, religion, sex, disability, familial status, or national origin. You may not instruct the licensed broker or salesperson acting as your agent to convey for you any limitations in the sale or rental, because the real estate professional is also obligated not to discriminate. Under the law, a home seller or landlord cannot establish discriminatory terms or conditions in the purchase or rental; deny that housing is available or advertise that the property is available only to persons of a certain race, color, religion, sex, disability, familial status, or national origin.

For the Home Seeker
You have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, disability, familial status, or national origin.

This includes the right to expect:

  • Housing in your price range made available to you without discrimination
  • Equal professional service
  • The opportunity to consider a broad range of housing choices
  • No discriminatory limitations on communities or locations of housing
  • No discrimination in the financing, appraising or insuring of housing
  • Reasonable accommodations in rules, practices and procedures for persons with disabilities
  • Non-discriminatory terms and conditions for sale, rental, financing, or insuring of a dwelling
  • To be free from harassment

For the Real Estate Professional
Agents in a real estate transaction may not discriminate on the basis of race, color, religion, sex, disability, familial status or national origin. They also may not follow such instructions from a home seller or landlord.

What To Do if You Feel the Law Has Been Violated
Discrimination complaints about housing may be filed with the nearest office of the U.S. Dept. of Housing and Urban Development (HUD) or by calling HUD’s toll-free numbers, 1-800-669-9777 (voice) or TTY (800) 927-9275 contact HUD on the Internet at

Security Statement - How We Protect Your Privacy

About Us
This website is powered by WordPress, LendingPad and Moso, Inc. Inside Real Estate and their affiliates, a provider of software and services for the residential real estate and mortgage industry (collectively referred to as “Service Providers”)

Information We Collect
When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.

Individualized Password
When you sign up for online access to loan related information, you are asked to create your own username and password to access information related to your loan file. This information is encrypted during transmission. We allow you to select your own personal username (email address) to sign on. We strongly recommend that you use your own email address and not a shared email address that may be accessed by multiple parties.

Security Questions
Your real estate or mortgage professional may ask you to set up four security questions and answers, as well as a phrase and site image that will be associated with your account. If we ever need to confirm your identity, your correct answers to the security questions in conjunction with the phrase and site image will help us verify your identity.

“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Our Service Providers may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, one service provider may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Timed log-off
This website may automatically log you off after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Service Provider’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.

From the moment account information leaves your computer to the time it enters our Service Provider’s system, all online access is encrypted.

During any exchange of sensitive loan information or documents, our 64-bit or 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Our Service Provider’s servers possess the formulas required to turn this code back into meaningful information for processing.

Any Web address beginning with “https://…” indicates the page you are viewing uses encryption. The “s” stands for “secured.”

Constant surveillance
Our Service Provider’s security team maintains and monitors our security systems to help ensure that your accounts are safe and secure.


Terms of Use between user & CRESTICO

This terms of use agreement (this “Agreement”) governs your use of the CRESTICO website (the “Site”). This Agreement should be read carefully before accessing or using this Site.

By accessing or using this Site, you agree to be bound by this Agreement and, if applicable, such other terms of use agreements of CRESTICO that may be necessary for CRESTICO to provide you access to certain proprietary product(s). If you do not consent to these terms, please do not utilize the Site or the materials contained therein. CRESTICO provides the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions and notices. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

This Site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site is provided with the understanding that CRESTICO is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

CRESTICO and its agents assume no responsibility for any consequences relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. CRESTICO strives to keep the information on this Site accurate, complete and up-to-date yet does not guarantee, represent or warrant that it is accurate, the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower’s situation is unique to every situation, and your situation needs to be individually analyzed. CRESTICO and its suppliers cannot guarantee, and will not be responsible for, any damage or losses arising from or related to the accuracy, completeness or timeliness of the information presented or its application in your situation.

Personal and Noncommercial Use Limitation
You may access, download and print materials on this Site for your personal and non-commercial use. You may use the information to obtain the appropriate loan and the best terms for your particular situation from your preferred provider.

No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to CRESTICO, that you will not use this Site for any purpose that is unlawful or prohibited by this Agreement. If you violate any of the terms of this Agreement, your permission to use the Site automatically terminates.

Prohibited Uses
Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by CRESTICO, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of CRESTICO, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate law enforcement agencies.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our webpages or the content contained on the Site without CRESTICO’s prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.

You agree that CRESTICO may terminate your password, account, or use of the Site in CRESTICO’s sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, CRESTICO may post notices or links to notices through the Site to inform you of changes to the applicable terms of use, the Site, or other matters of importance. Please see our privacy policy available at, which is incorporated by reference into this Agreement, for the details of our commitment to your privacy.

Proprietary Rights
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by CRESTICO. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of CRESTICO. All rights reserved.

THE CONTENTS OF THIS SITE, INCLUDING ITS “LOOK AND FEEL” (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to CRESTICO or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of CRESTICO. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.

Links To Third Party Sites
During your use of this Site or at any time in the process, you may be led to other web sites operated by unaffiliated third parties. Inclusion of hyperlinks by CRESTICO on the Site to such third party web sites does not imply any endorsement of the material on such web sites or any association with their operators, and your access and use such sites, including information, material, products and services therein, solely at your own risk. CRESTICO is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. CRESTICO is not responsible for the use of the information that you give any third parties.

Liability Disclaimer
You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that CRESTICO specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.


Access: Changes To Agreement
CRESTICO reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Likewise, CRESTICO may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the legal terms and conditions that govern your use of the Site periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by CRESTICO, to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between CRESTICO and you related to this Agreement shall be brought exclusively in federal district court.

CRESTICO logos, product and service names are trademarks / service marks owned by CRESTICO, (the “Marks”). You agree not to display or use the Marks in any manner without the prior written permission of CRESTICO.

This Site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this Site you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at By using this site you agree to be bound by Google’s Terms of Service which may be found at

No Minor Use
This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited.

Use within the United States
This Site is intended to be accessed by persons located within the United States of America. Access and use of this Site by persons from locations other than the United States is prohibited.

You agree to indemnify, defend and hold harmless CRESTICO, its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) arising from or related to your violation of this Agreement.

Identity and Location Verification
To help the government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you. You acknowledge that by clicking “Check Your Rate”, “Get Approved Today”, “Get QUOTE”  and continuing with the application process, you understand and consent to CRESTICO and/or third party service provider(s) (including your mobile phone carrier) to use geolocation services to verify the location of your mobile device.


All loan approvals are conditional, not guaranteed and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing, but until all conditions are met, loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. CRESTICO, INC. is an Equal Opportunity Mortgage Broker/Lender. In California, This licensee is performing acts for which a real estate license is required. CRESTICO, INC. is licensed by the California Department of Real Estate, Broker # 01861921, NMLSR # 275201 and California Department of Business Oversight Finance Lender Law Lic. # 603L103

CRESTICO, INC. is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. CRESTICO, INC. is not acting on behalf of or at the direction of HUD/FHA or the VA.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.