Privacy Information & Disclosures

Protecting your privacy is our top priority. At Zelman & Associates, LLC (“ ZA”), we understand our obligation to keep information about you secure and confidential. We will keep you informed of our policies for collecting, using, securing, and sharing personally identifiable and/or nonpublic personal information (“Customer Information”). We currently maintain the following principles and practices with respect to protecting your privacy and your personally identifiable information:

• We are committed to protecting your privacy at all times;
• We do not sell or disclose any nonpublic personal information about you to anyone except as permitted by law;
• We do not provide customer information to persons or organizations outside the affiliated companies who are doing business on our behalf, for their own marketing purposes;
• We afford prospective and former customers of ZA the same protections as existing customers with respect to the use of personal information.

Information We Collect

We collect and use various types of information we believe is necessary to administer our business, and to offer you the best possible customer service. Customer Information we collect is categorized into the following types:

• Information we receive from you on applications, or on other forms, through telephone or in-person interviews;
• Information about your transactions and account experience with us or others;
• Information from consumer reporting agencies;
• Information from visitors to our website provided through online forms, site visitor data and online information collecting devices;
• Other general information we obtain about you that is not assembled for the purpose of a client relationship or offering certain products or services that you may request, such as demographic information.

Information We Share

Zelman & Associates does not disclose Customer Information to any third party, except as permitted by law. We may, however, share certain Customer Information among ourselves and with other third-party financial services companies affiliated with us as part of the ordinary course of providing financial products and services to you, for the purposes of offering you new products and services to address your financial needs, for product development purposes, and as otherwise required or permitted by law.

Information Security

We are committed to preventing others from accessing your customer information, and we maintain procedures and technology designed for this purpose. We take several steps to protect the customer information we have about you, including the following:

• We restrict access to information about you to those employees who need to know that information to provide you with the best possible products and services;
• We require outside companies and independent contractors to whom we provide customer information for marketing, servicing or processing purposes to restrict the use of such information;
• We have internal procedures that limit access to customer information to only those employees who are considered "authorized" personnel.

Our procedures and practices as described above are our current policies, and are subject to revision at any time.