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We Respect Your Privacy

We understand there is certain information you do not want to share with everyone. And we are just as concerned about safeguarding the information you provide to us. That is why Finest Capital Ltd has adopted these privacy principles and guidelines. We value the trust you have placed in us and are committed to earning and maintaining your confidence.

Introduction

This privacy policy describes the kinds of information we collect from our customers, how we use that information, and the limited circumstances under which we will share it with third parties.

Information Collection

Finest Capital Ltd will only collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products; services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in connection with obtaining financial products and services such as mortgage loans (2) information obtained from third parties such as a credit bureau which provides your credit history or employment verification, and (3) information about your transactions with us or others.

Maintenance of Accurate Information

We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us. If the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Customer Information

Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to safeguard nonpublic personal information.

Information Sharing Within Our Affiliated Family of Companies

There are times where we will need to share a portion of your Finest Capital Ltd account information with certain affiliated companies that either currently exist or that we may create in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. Affiliated companies may be financial services providers, including consumer banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies and appraisal firms.

An "affiliated company" or "affiliate" is a company that we own or control, or that is owned or controlled by our another company that we have a strategic business relationship with. The information we may provide to these affiliates includes (i) identifying information, such as your name, address and social security number, and (ii) information about the financial product or service you obtain from us, or relevant information necessary to provide you the highest level of service available. Under the federal Fair Credit Reporting Act, we are permitted to share this information within our affiliated family of companies.

Information Sharing With Unaffiliated Third Parties

Unlike some other companies, Finest Capital Ltd does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that Finest Capital Ltd does not offer on its own, but we think will be of interest to our customers. In such cases, Finest Capital Ltd will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

Our Former Customers

Rest assured that even if you are no longer a customers of Finest Capital Ltd, we will continue to treat the information we have with the same level of confidentiality.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers and other loan applicants. We reserve the right to amend the policy at any time.