PRIVACY POLICY

At Biltmore Capital Group ("BCG"), maintaining our customers' trust and confidence is a high priority. That's why we welcome this opportunity to describe our privacy policy and the steps we take to protect your personal information. in this notice, you will find details about these policies. This Privacy Policy is applicable to BCG and it's affiliated financial service providers.

Security
Security of our borrower's personal information is very important to BCG. BCG employs extensive security measures to thoroughly protect your transactions with us. Except as set forth herein, we restrict access to your non-public personal information to our employees who have a need to know that information in order to provide products and services to you. We also maintain, and require third parties with which we share your non-public personal information as provided herein to maintain, physical and procedural safeguards to guard your non-public personal information.

Information Sources
In order to acquire and resell or resolve mortgage loans, we collect information from a variety of sources, such as:

  • Information provided by lenders from whom we purchase loans;
  • Information you provide to us, such as name, address, social security number, income;
  • Information we receive from an outside company, such as a credit bureau or employment verification vendors;
  • Information about your transactions or experience with us, such as property value appraisals, your payment history with us, etc.

Who We Disclose the Information To
We may disclose the information we collect, as stated above, to:

  • Prospective and actual purchasers of loans owned by us.
  • Financial service providers, such as banks and investment companies, 3rd party loan servicers, or consumer credit companies.
  • Voluntary organizations and non-financial companies, such as appraisers, escrow agents or title companies.
  • Government officials, employees or agencies, consumer reporting agencies, and other third parties for specific and limited purposes necessary to:
    • effect a transaction authorized or requested by you;
    • effect, administer or enforce a transaction (including the offering and sale of your loan, foreclosure, deed in lieu of foreclosure, sale of collateral, modification of loan terms, refinancing, workout, etc.);
    • protect against fraud;
    • make a report to a consumer reporting agency; or
    • comply with a legal investigation or regulatory requirement.

How We Disclose Your Information
Your privacy is important to us. We do not provide personally-identifying information about you to third parties unless the disclosure is permitted or required by law. The circumstances under which we disclose information include the following:

  • Prospective Loan Purchasers. We may disclose all of the information we collect to prospective and actual purchasers of loans owned by us.
  • Serivce Providers. We may disclose all of the information we collect to companies that perform support and other services for us such as data processors, data encrypters, technical systems consultants or programmers.
  • Disclosures to Affiliates. To the extent permitted by applicable law, we may release information we obtain about you from you or third parties to companies with which we are related by commom ownership or affiliated by corporate control ("Affiliates")

When Your Relationship With Us Ends
If our relationship with you ends, such as by your paying off in full any loan to you owned by us, we will continue to treat and protect your pesonally-identifiable information in accordance with this Privacy Policy. [That means that we may continue to make the disclosures to our lending partners and Affiliates described above or permitted by law. However, if you notify us before or after your relationship with us ends of your election not to have us share your personally-identifiable information with others, we will honor that request.]

How You Can View and Change Your Personal Information
You can review the personally identifiable information we maintain on you and make any needed corrections to it by contacting us in writing at the address below.

Changes to Our Privacy Policy
We reserve the right to amend (add to, delete from, or change) the terms of this Privacy Policy from time to time.

Notice to New Mexico Residents
We will not share your personal data with anyone except our service providers and third parties as required or permitted by law. We may share transaction and experience information (such as your payment history) with BCG Affiliates.

Notice to Vermont Residents
We will not share your personal data with anyone except our service providers and third parties as required or permitted by law. We may share transaction and experience information (such as your payment history) with BCG Affiliates.

Contact and Right to Access and Correct Information
You may write to us at the address below with questions about your personal data that you may have. You may see and copy the data that we have about you in person. If you prefer, we will copy and send it to you.If you think the personal data that we have in our files is incomplete or incorrect, you may request that we complete or correct the disputed data. We will review your request. We will either make the change or explain why we did not do so. If we do not make the change, you may file a written statement of dispute with us. We will include the written dispute in future disclosures of that data. We will send the written dispute to anyone you ask who received your data from us in the past 2 years. To exercise these rights, please send us a written request. Please include your name, address, loan number, daytime phone number, and the data that you would like access to or that needs correction. We may charge a small fee to collect and send the data to you. To protect your personal data, we may ask you to verify your identity and to provide other details to respond to your request. Our mailing address is:

Biltmore Capital Group LLC
365 West Passaic Street
Rochelle Park, NJ 07662

You may contact us by telephone at 201-909-8830.

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