southbay mortgage and capital privacy agreement:

South Bay Mortgage & Capital, Inc is a non-profit organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the site www.gotosbm.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information. If you have questions or concerns regarding this statement, you should first contact Customer Service at (310) 536-0643. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily address, you should contact a representative of trust.org at:

http://www.truste.org/consumers/watchdog_complaint.php

Representatives of this company will then serve as a liaison with us to resolve your concerns.

Data Collection
The following principles apply to the personally identifying information we ask for and that you provide. South Bay Mortgage & Capital, Inc collects personally identifying information from you including, but not limited to: Name, Last Name, Co-Applicants Name, City, State, Address, Zip Code, Work Phone, Home Phone, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, whether your rate is Fixed or Adjustable, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Best Time to Call, Loan Desired and Email Address when you:

• Apply for a mortgage loan
• Apply for a debt consolidation loan
• Contact Adriana@gotosbm.com with questions or comments.

We do not sell your personal information to third parties other than our business partners and affiliates as described later in this Privacy Policy. We treat all the information you provide to us as non-public.

Technical Data
We gather technical information about your machine through your web browser such as your IP address, operating system, browser type and referring URL. Our partners may also gather non-personally identifiable information about your machine via invisible "web beacons".

Log Files
We gather certain information automatically and store it in log files, which contain information such as IP addresses, browser type, operating system, ISP, date/time stamps and referring pages. This information is used to track statistics and trends on an aggregate basis, and does not identify individual users. We do not link this automatically-collected data to personally identifiable information.

Cookies
A cookie is a small text file that is stored on a user's computer for tracking purposes. We use persistent cookies to store a session ID to represent your machine during your first, and each subsequent visit to our website. We use cookies to improve the quality of our service and to better understand how people interact with our website. If you choose to disable cookies, you may still be able to access most of the Low.com website. These cookies are not tied to your personal information.

Web Beacons
We employ a software technology called Web Beacons, also known as clear gifs, in order to gather aggregate, non-personally identifiable information through third party advertising agencies about our website. Web Beacons help us identify and track the performance of web pages on our site, therefore allowing us to measure the performance and quality of our website.

Optional Information
When you access South Bay Mortgage & Capital, Inc’s website, we may give you the option of submitting general information such as the type of home you own and your general credit rating, for purposes of providing financial products and services which may be of value to you.

Third Party Information Sharing
South Bay Mortgage & Capital, Inc is a leading financial services portal, committed to helping our users find the lowest-cost, most reputable mortgage, credit and insurance services available both offline and online. We have many satisfied customers throughout the nation.

South Bay Mortgage & Capital, Inc collects information from new and existing customers at various points throughout our website. Only with your consent, we may share this information to work with trusted third party business partners who may contact you to subscribe to or use their products. We work with various trusted companies in the loan, insurance and credit industries. Trusted companies are companies defined as adhering to our strict agreements and protect your personal information from distribution, loss, theft and misuse.

Opt-Out
South Bay Mortgage & Capital, Inc provides users the ability to opt-out of receiving communications from us. If you wish to cease future communications or wish to no longer receive our services, you can opt-out by any of the following means:

• Visit the following URL and request to Opt-out: http://www.gotosbm.com/optout
• Send an email to Adriana@gotosbm.com
• Send mail to: South Bay Mortgage & Capital, Inc, Attn: Opt-Out, 2301 Rosecrans Avenue#4120, El Segundo, CA 90245.

To opt-out of communications from the lender/broker assigned to provide the service you requested, please contact them directly.

Safeguarding Personal Information
South Bay Mortgage & Capital, Inc uses advanced digital encryption and internal security measures to safeguard your personal information from loss, misuse alteration and destruction. We use the highest-grade 128-bit encryption of all submissions of sensitive data, in order to protect unauthorized parties from viewing or intercepting the data transmission. Only authorized employees of Low.com can access your personal information, and can do so only on a "need-to-know" basis.

Contact for Privacy Related Issues
If you have any questions on our Privacy Policy, or would like your previously submitted information modified or removed, you can contact us directly at (310) 536-0643

Privacy Policy Changes
Privacy Policy Changes This Privacy Policy may change, from time to time, due to changes on our website, legal developments, business factors and ever-changing technology. Notifications to changes of our Privacy Policy will be posted on our website, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

Disclosures of Personal Information
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Special Notification for California Residents
Individual customers who reside in California and have provided their personal information to us may request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must be submitted to us at Adriana@gotosb.com. Within thirty days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.