PRIVACY POLICY NOTICE OF CANEEL GROUP, LLC

At Caneel Group, LLC, your privacy is important to us. That is why we work hard to uphold your privacy. The information that you provide us is always kept in the strictest confidence. We have no intention of selling your non-public personal information to any non-affiliated third parties. We make this commitment to you with pride because your trust is the foundation of our business. To protect your privacy and maintain your confidence in us, we have developed the following polices. These policies describe the strict standards we have in place to protect your confidentiality. Therefore, we ask you to please read this information carefully. We will tell you the sources of non-public personal information we collect from you. We will then tell you what steps we take to protect that information.

First, let us define some terms used in this notice:

We, our and us mean Caneel Group, LLC (“CG”)

You and Your mean the following individuals:

Those clients who have provided us with non public personal information for the purpose of determining whether CG can successfully negotiate with your current mortgage services better more favorable terms; and those clients who have obtained services from us. Non-public personal information means personally identifiable financial information about you that we collect in connection with providing a financial product or service to you. This does not include information that is available from public sources, such as government real estate records. Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company as us. Non-affiliated third party means a company that is not an affiliate of ours.

We collect non-public personal information about you from the following sources:

Information that we receive from you on applications or other forms, Information about your transactions with us, our affiliates or others, and Information we receive from a consumer reporting agency.

CANEEL GROUP, LLC PRIVACY POLICY:

We do not disclose any non-public personal information about our consumers, customers or former customers to non-affiliated third parties, except as permitted by law. We restrict access to non-public personal information about you to those employees who need to know that information to provide the requested products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Notice of Your Opportunity To Opt Out of Information Sharing With Our Affiliates:

Unless you tell us not to, Caneel Group, LLC may share with our affiliated companies information about you, including: Information that we obtain from your application, such as your income or your employment history; Information that we obtain from a consumer report, such as your credit score or credit history; Information that we obtain to verify representations made by you, such as your bank balances; Information we obtain from a person regarding its employment, credit or other relationship with you, such as your employment history.

Our affiliated companies who may receive this information are:

Financial Service Providers, such as mortgage bankers and mortgage servicers, and non-financial companies, such as direct marketers.

How to tell us not to share this information with our affiliated companies:

If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by calling us toll-free at 800-632-6977.

NOTE:
We may share other information about you with our affiliated companies as permitted by law. However, you can prevent us from sharing the specific information listed above by calling our toll-free telephone number.