Privacy Notice

At Capstar Lending, LLC, we recognize the importance of respecting your privacy and maintaining your trust. The following Privacy Notice is provided to help you understand the measure we take to protect both your financial and personal privacy. Whenever possible, we have tried to present this information in simple, uncomplicated language. However, we are required to use certain legal terms and have made a sincere effort to explain these terms.

Information About Our Privacy Notice

This Notice is provided to you by Capstar Lending, LLC under applicable federal and state laws. It is intended to inform you about the information we collect and how we may share it with non-affiliated parties. Capstar Lending, LLC limits our information sharing to only that permitted by federal and state law. The information in this Notice applies to both current and former customers of Capstar Lending, LLC. and replaces all previous Privacy Notices issued by Capstar Lending, LLC.

Protecting Your Personal Information

We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.

We restrict access to personal information about you to our employees and agents who need to know the information to provide products or services to you. Plus, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

Information We Collect

We collect personal information about you, from the following sources:

• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or any other means. This information may include name, address, employment information, income, and credit references.
• Your transactions with us or others. This information may include your account balances, payment history, and account usage.
• Consumer reporting agencies. This information may include account information and information about your credit worthiness.
• Public sources. This information may include real estate records, employment records, telephone numbers, etc.

Information We Share

We do not disclose any personal information about you or former customers to anyone, except as permitted by law. We will only share information with companies that perform services on our behalf and with third parties as otherwise required or permitted by law (such as credit reporting agencies or regulators).

Sharing Information With Marketing Companies

We are permitted by law to share the information we collect from your application and other forms, transactions and consumer-reporting agency reports, as described above, in accordance with applicable law. Generally, we may share the information that we collect with companies that perform marketing services on our behalf. This enables us to better anticipate and meet your financial needs.

Our Promise

At Capstar Lending, LLC we promise to respect and protect your privacy. We are committed to safeguarding the confidence you have placed in us, and we strive to ensure your customer and financial information is accurate. However, we recognize that an occasional concern may arise, and we want to resolve any questions you may have as quickly and thoroughly as possible. If you believe our records are incorrect or out of date, please notify us by contacting our office at 1-800-995-4542 between 8 am and 5 pm Central Time on business days, Monday through Friday. Privacy is a highly valued partnership. Because privacy matters, we pledge to work together with you to protect and control the security of your information.

Thank you for your business and the trust you place in Capstar Lending, LLC.

MORTGAGE BANKER DISCLOSURE

Pursuant to the requirements of section 157.007 of the Texas Mortgage Banker Act, chapter 157, Texas Finance Code, you are hereby notified of the following:

COMPLAINTS REGARDING MORTGAGE BANKERS SHOULD BE SENT TO THE TEXAS SAVINGS AND MORTGAGE LENDING DEPARTMENT, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.