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

Enabling the Accessibility Menu
The https://www.crestico.com 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 https://www.crestico.com 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 https://www.crestico.com 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]

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 https://www.crestico.com, 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.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CRESTICO, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL CRESTICO, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF CRESTICO, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF CRESTICO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $100.

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.

Miscellaneous
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 https://www.google.com/policies/privacy. By using this site you agree to be bound by Google’s Terms of Service which may be found at https://www.google.com/intl/en/policies/terms.

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.

Indemnification
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.

CRESTICO, INC. “CRESTICO” values your patronage and protecting your confidential information is a priority. Our policies and procedures reinforce the fact that CRESTICO strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer or former customer. We have adopted the following policies and procedures to safeguard the personal information about you in our possession.

Introduction
This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how any personal and/or personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

Our Privacy Pledge

• We do not sell or rent customer information.
• We share customer information with certain employees of CRESTICO.
• Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
• Our privacy policy applies to potential customers as well as current and former customers.

Safeguarding Personal Information

• We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.
• We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
• We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
• Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
• Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.

CRESTICO Security Policy
CRESTICO takes strong steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. All data is considered highly confidential Data can only be read or written through defined service access points, the use of which his password-protected. The physical security of the data is achieved through a combination of network firewalls and severs with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Information We Collect About You
We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personal information, even if you cease to be a customer. The personal information we collect about you may include among other things:

• Identifying information, such as your name, age, address, phone number and social security number
• Employment information
• Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business.

CRESTICO does not alter its behavior or change its services upon receiving Do Not Track requests.

Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.

We will use this information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters to assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending process such as:

• Enabling our financial services partners to implement automatic payments and funds transfer
• Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account
• Implementing collection activities as needed
• Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification

In addition, we gather names and email addresses of people who contact us through our website with questions about our company or lending operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications from Our Site
When you submit an application and/or create a profile on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and the bank accounts, and confirmation of successful submissions of loan requests and portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys or user feedback emails, please opt out in any offer email you receive from us.

Links to Third Party Websites
CRESTICO is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-CRESTICO websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of the CRESTICO website. Third party websites may have different privacy policies and/or security standards governing their sites.

Testimonials
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].

Notifications
CRESTICO will send you email notifications from time to time, and these are required elements of your transactions on our website, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally you may not opt out of these eservice related emails.

Sharing Information With Companies That Provide Services For Us
We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Where You Can Find and/or Correct Your Information
You can access most of your personal information that we collect online and maintain by visiting your profile in My Account section of our site. This section of the site is password-protected to better safeguard your information. As an applicant ora borrower, you can update your password, email address, physical address, phone number and bank account information at any time on the website, and if you need to change any other information in your profile you can contact us at [email protected]. To protect your privacy and security, please contact us at [email protected] to make changes to your sensitive account information.

Web-related Information Collection
We use web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser, and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site, in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personal information. More importantly, using cookies also helps us protect the security of your account. Session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans or making loans on your behalf. This information is encrypted and no personal data about you is stored on our servers. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets use tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. CRESTICO utilizes information such as “click stream” and transactional data, and use all information collected in the aggregate, for anonymous purposes. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

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 https://www.google.com/policies/privacy. By using this site you agree to be bound by Google’s Terms of Service which may be found at https://www.google.com/intl/en/policies/terms.

California Do Not Track Notice
Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

Compliance with State and Federal Laws
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

Link to Other Sites
We may offer links to partner’s sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled or to facilitate our customers’ more effective use of our website, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy and may have different privacy policies or approaches to the handling of information. CRESTICO has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them any of your personal information.

We also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that you when you connect to our website you are actually on our site. SSL also ensures that all data entered into the website is encrypted. To verify that SSL is being used, look for the key or padlock icon on your browser. For encryption protection, we use 128-bit secure browser for login and transactions. The application process utilizes “CAPTCHA” technology, which is a test that we use to ensure certain sensitive transactions are being initiated by a human and not by another computer. The test involves viewing a distorted image of a word that a computer would not be able to interpret and then entering the text shown in the image. We subject our systems to periodic security audits to ensure that your information is thoroughly protected and secure.

Session time-outs
We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Passwords
At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever received an email purporting to come from CRESTICO that asks for your password, you should immediately contact CRESTICO.

What you can do
You can take several precautions to protect the security of your computer and personal information. For instance, you can start by using a well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday, and you can also use specifically characters in place of letters. WE also recommend that you change your password often. You can also install and update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on our site, be sure that you log out and close the browser window.

To protect your account, we send automatic notifications confirming certain actions taken on your account, such as changes to a password or external linked account. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered through these notifications can be undermined if other people have access to your email account. Therefore, you might consider restricting access to the email account you registered with on this site and/or changing your password on that email account frequently.

If you use a computer that is accessed by other people, such as in a public library or internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using your site, you should log out completely, then close the browser window and clear the browser’s cache file.

You should also be aware of fraudulent attempts to gain access to your account information known as “phishing”. Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. CRESTICO will never ask for login information to gain access to customer’s account and access sensitive information. CRESTICO will never ask you for your login information in the context of any email, physical mail, phone call or otherwise. In general, you can protect yourself against phishing by never providing personal or login information via an email instead, go to the website directly. You might also make it a habit to check the URL of a website to be sure that it begins with the correct domain. In the case of CRESTICO Personal Loans, you should also ensure the URL begins with https://www.crestico.com, https://www.crestico.com.

Changes To Our Privacy Policy
We may make changes to our privacy policy in the future. If you choose to receive e-mail messages or newsletters from us, you may later modify your choice by contacting us at 1-877-880-2929 . You also will be given the opportunity, in any general bulk commercial e-mail that we send to you, to opt out of receiving such messages in the future. We will attempt to address your request immediately but it may take up to 10 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as processing requests, conditional loan offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. Note: If we have already provided your information to a third party as part of your loan application then you may have to change your preferences directly with that third party.

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at 1-877-880-2929 . Our employees are trained through Policies and Procedures to take action on your instructions within 30 days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes.

If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at 1-877-880-2929 .

Contacting Us
If you have any questions about this privacy policy, please write us at CRESTICO, PO BOX 573246 Tarzana CA 91357 or Call 1-877-880-2929

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

• For additional information or to submit a CCPA request, please call (877) 880-2929.
• You may also submit a request by emailing us at [email protected]

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.

About Us
This website is powered by WordPress, Ellie Mae, Inc. 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
“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.

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

Encryption
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.

COOKIE DISCLOSURE STATEMENT
Cookies are a common type of technology used by most large websites.  The following is information that will help you understand the use of cookies.

What’s a cookie?
A cookie is a small file that is sent to your computer by a site’s server. A cookie can be a record of your visit to a site, including information such as your User Name, registration information, time of last visit, pages viewed, etc. A cookie created by one site’s servers can be retrieved only by that site’s servers. Thus, information in the CRESTICO cookies is not accessible to other sites. This type of cookie is called a “first party” cookie.

There is another type of cookie called a “third party” cookie. If you are using website A, and website A uses the services of website B, and if website B were to leave a cookie on your machine, that would be considered a “third party” cookie because you are not using website B directly.  Some browsers, for example Internet Explorer, are configured to disallow third party cookies by default.

Why do we use cookies?
We use cookies to allow you to move quickly through our Sites. We accomplish this in many ways, using several different cookies. When you first enter our Sites, for example, we use a test cookie to confirm your browser’s ability to retain cookies. Next, we check our database to verify your subscription so you can gain access. A cookie is then temporarily “set” within your browser to allow you to proceed without having to confirm your identity with each subsequent page you request to view.

Without cookie technology, we would not be able to offer you convenient features such as the ability to store your User Name and Password so that you won’t have to sign in each time you come to the Sites.

We may use P3P or similar platforms to allow the use of third-party cookies within the family of CRESTICO Sites. P3P (Platform for Privacy Preferences Project) is a protocol that allows websites to declare their intended use of information they collect about web browser users. When this is done some of the default restrictions against third party cookies are relaxed. We do this to allow all of our Sites to use a single database of user information, so that once you register with one of our Sites, you will be able to sign in to any of our Sites.

Other cookies that you may receive during your sessions here are from actual Third-Party Service Providers. These Third-Party Service Providers may use their own cookies in order to serve surveys or premium content on our Sites.

Third party cookie information for emails.
We, or a data provider we have engaged, may place or recognize a unique cookie on your browser to enable you to receive customized ads, content or services. No personally identifiable information is placed into these cookies. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us, e.g., your email address, in hashed, non-human readable form. To opt-out of these cookies or learn more please go to http://aboutads.info/choices or http://www.networkadvertising.org/choices/

Additionally, emails we send may contain a bit of code known as a “web beacon.” This code allows us to understand the time and date of when a user has opened an email and when he/she has utilized a link within the email to visit a website. Our web beacons do not collect personally identifiable information. Users wishing to disable our web beacons should do so by turning images “off” in their email client (e.g., Outlook, Outlook Express). Please see your email client for more information.”

Will the cookies you send me go away?
Some of our cookies are long term. If they weren’t, we’d need to ask you for certain information with each new session, such as your User Name. Some cookies do expire after a short period of time. Remember, cookies are small files and won’t pose any significant disk-space concerns on your computer.

In fact, most of CRESTICO cookies expire after 365 days from their time of issue. Others, such as those required to retain settings you elect (User Name, Password, etc.) will continue to reside on your hard drive for subsequent use by your browser, but are quite small and should not pose any significant disk capacity concern.

You are, of course, free to clear any and all cookies from your hard drive any time you wish; simply search your system for any files named cookie*.* (or similar) and delete these at your discretion. Additionally all major Internet browsers have a feature that allows you to erase cookies. This is usually found in the preferences section of your browser.  Your browser’s “Help” section should allow you to find this feature.

Remember, however, that deleting these cookies means any long-term settings (such as your stored User Name) will need to be provided the next time you want to use one of the Sites.

There are also a number of software and shareware programs available that are designed to periodically purge cookie files from your hard disk. We do not recommend these applications and, as such, cannot address any resulting support issues that may be related to the use of these programs.

So what’s in it for our members?
Here’s a quick rundown of what we see as the biggest advantages of using cookies:

• Universal sign in. Once you register with one of our Sites you can use these same credentials on all of our Sites.
• More convenient access. We won’t have to ask you to identify yourself with each new page requested.
• Fewer Sign-ins. Using our “remember me” feature, you can return to our Sites without having to sign in each time.

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 RESPONSIBILITIES
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 http://www.hud.gov/offices/fheo/index.cfm

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.

Please visit Advertising Disclaimer

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: https://www.crestico.com/contact/dmca-notice/
DMCA Agent Address:

CRESTICO, INC.
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: http://www.copyright.gov/