Privacy Policy

Online Privacy Policy

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The Marketplace Capital Group Online Privacy Policy explains how we may collect information from you online when you visit our website. Our commitment to protect your information and your privacy. Our privacy policies are the same, whether you are online or not. How we handle information about you when you visit our website will depend on what you do when visiting the site.

Visiting

If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the "IP address" assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site, and to help us make our website more useful to visitors.

Using Services

When you visit our website, or use our preliminary loan request services, there may be times when you are asked to provide information about yourself that is personally identifiable ("Personal Information"). This may include any of the following:

• your first, middle and last name,
• your home, business or other physical address (including street name and name of a city or town)
• your e-mail address,
• a telephone number, and
• password or any other identifier that permits physical or online contact with you.

Personal Information might be needed or requested from you so you can register for services, or to fill out our forms for services, for special promotions or contests, or to accomplish transactions you request. This may result in sharing of Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.

Cookies

There is a technology called "cookies" that can collect, store, and sometimes track information. A cookie is a small data file that can be placed on your hard drive when you visit certain websites. We may use cookies in this manner. If you wish, you may modify your browser to disable cookies, including session cookies.

E-Mail

You may also decide to send us information that personally identifies you, for example, in an electronic mail (e-mail) message. We will use that information to respond to the inquiry and provide accurate information in response to questions.

If you visit our website or engage in any online services that we offer, then we may collect and store these categories of Personal Information. We will not share the Personal Information you provide us at our website or by e-mail, except as described below. The Personal Information we obtain from you is stored with us if it is to be used on an on-going basis.

E-Mail Scams and Security

Internet e-mail is not secure. When sending an e-mail to us, do not provide sensitive or confidential information (for example, your social security number).

E-mail can be used for sending scams such as a false offer from a company or an alert to a false computer virus. These e-mails are often forwarded with good intention by friends, adding an erroneous level of legitimacy. If you receive an e-mail that you think could be a scam, do not forward it and delete it immediately. If you receive an e-mail warning that a new computer virus is circulating, check the website of any one of the well-known anti-virus software companies for validation.

Process to Request Changes to Personal Information

We wish to maintain complete and accurate information about you and your account, including information you have entered through any Marketplace Capital Group website, and have internal procedures in place to help us accomplish this. We also have established procedures to assist you should you ever believe that our records contain inaccurate or incomplete information about you. Please contact us at (310) 265-4492 to view and access your Personal Information. We will investigate your concerns and promptly correct any inaccuracies.

Notification of Changes

This Online Privacy Policy is subject to change at any time. We will communicate any material changes to you as required by law. We will post the revised online privacy notice on our website with a link at http://www.marketplacecapitalgroup.com on our home page. The home page will also have a statement notifying readers that our online privacy notice has changed and the effective date of changes. In addition, the effective date stated at the top of this policy will be revised in conjunction with any material updates performed.

Children's Online Privacy Protection Act

Our website is not directed to children under the age of 18. We do not knowingly solicit data from persons under the age of 18 and we do not knowingly market to persons under the age of 18.

Links to non-Marketplace Capital Group Websites

We are not responsible for the information collection practices of the non-Marketplace Capital Group links you click to from our web pages. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit - before you provide them with any personally identifiable information.

Customer Privacy Policy

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We have always believed that your trust is the cornerstone of our relationship which is why we work diligently to safeguard your privacy. While information is critical to providing quality service, we recognize that your trust is the foundation of our business.

Information That We May Collect

If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the "IP address" assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site, and to help us make our website more useful to visitors.

Using Services

The type of information that we may collect depends upon the type of product or service we are providing you or that you are inquiring about. Examples include:

• Nonpublic personal information we receive from you on applications or other forms requesting services; such as your name, address, income and assets, etc. and/or the name, address, income and assets, etc. of your customer.
• Information from third parties such as consumer reporting agencies, title companies or real estate appraisers.

Information Sharing Among Our Family of Affiliated Companies

Marketplace Capital Group is a wholly owned subsidiary of a privately held California based Savings Association. Any other company that owns, is owned by or controlled by Marketplace Capital Group is an "affiliate" of the company. Affiliates to whom we may disclose information about you include financial service providers such as banks, credit card companies, consumer finance companies, insurance companies, securities brokers and other financial institutions. Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us among our affiliated companies. That information is referred to as "transaction information."

Disclosure of Information

We do not disclose personal information about you to anyone except as permitted by law. Examples of what is permitted by law include disclosing personal information:

• To affiliated or nonaffiliated companies if it is necessary or helpful in completing a transaction.
• To report to consumer reporting agencies.
• To comply with government or court orders.
• To report an apparent crime.
• If you give us your consent.

Marketing Disclosures

We also may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf. There is no right to opt out of those disclosures. The third parties sign confidentiality agreements with us.

How We Protect the Confidentiality of Your Information

Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect customer information. Employees are authorized to access customer information only when they need it to provide you with products and services or to maintain your accounts. Our employees are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

Former Customers

If you decide to close your account(s) or become an inactive customer, Marketplace Capital Group will continue to adhere to privacy policies and practices described in this notice.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. We provide you with access to your account information through various means, such as Online.

If your account information is incomplete, inaccurate or not current, you may update the information yourself via your online account, or contact us at the telephone number or address listed on this website. We will promptly update or correct any erroneous information. If you have questions or feel that we have not handled information about you properly, you may contact us at the number listed below and we will investigate your inquiry or complaint.

Changes to This Notice

We reserve the right to amend or change this notice from time to time and will notify you of any changes in accordance with applicable laws.

How You Can Inquire About the Privacy of Your Information

If you have questions or comments regarding the privacy of your information you may contact us at (310) 265-4492.

Important Privacy Choices for Consumers

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.