Privacy Policy

Capitol City Real Estate, INC. (United Wholesale Lending) is committed to protecting

the privacy of our customers; nonpublic personal information. This Privacy Statement

provides our customers (you) with basic information relating to the types of nonpublic

personal information we collect, how we use the nonpublic personal information we

collect, how we disclose the nonpublic personal information we collect, and how we

safeguard the nonpublic personal information we collect. From time to time, we will

update this Privacy Statement to reflect changes in our policies and practices.

Our Collection of Nonpublic Personal Information

In order to provide the many services United Wholesale Lending offers, we will need to

obtain certain nonpublic personal information. We collect nonpublic personal information

about you from the following sources:

• Information we receive from you on applications or other forms;

• Information about your transactions with us, our affiliates, or others; and

• Information we receive from consumer reporting agencies (credit bureaus).

Credit Bureau Reports

United Wholesale Lending uses credit bureau reports in order to evaluate our

customers & credit worthiness and to protect our customers from fraudulent conduct.

Therefore, we may obtain a credit bureau report about you when you apply for or obtain

any financial products and services from us, including the making of your mortgage

loan. This report contains information pertaining to your credit history. This information

will only be used for such purposes.


Sharing of Personal Information

We do not disclose nonpublic personal information about our customers or our former

customers to anyone, except as permitted by law or as otherwise disclosed in this

Privacy Statement.

In certain circumstances, opportunities with non-affiliated third parties may arise that we

believe may be of interest and a benefit to you. We may disclose all of the nonpublic

personal information we collect to companies that perform marketing services on our

behalf or to other financial institutions with whom we have joint marketing agreements.

We may share your nonpublic personal information with unaffiliated third parties who

perform services for us, and with unaffiliated third parties who perform services related

to products and services that you already have or have requested from us.

United Wholesale Lending will disclose nonpublic personal information about you to

non-affiliated third parties in response to a court order or other lawful request by a

government or regulatory agency, to protect against misuse or unauthorized use of our

site, to limit our legal liability, to enforce or apply our rights and agreements or as

otherwise permitted by law. We may also disclose nonpublic personal information to

credit bureaus and similar organizations, and may exchange personal information with

reference sources and clearinghouse services for purposes of fraud protection and

credit reporting and verification. In addition, we may transfer your nonpublic personal

information in the event of a change of control of our company, or a transfer of the

business assets to which your nonpublic personal information relates.

We are not responsible for the privacy practices of any third parties or their websites

which may differ from this Privacy Statement. We encourage you to review the privacy

statement of each and every site that collects information from you in order to be

informed of their privacy and security practices.

We will not sell or distribute any nonpublic personal information about you to an

unaffiliated third party in any circumstances other than those listed above.


We restrict access to your nonpublic personal information to only those authorized

employees and agents who need to know that information to provide products or

services to our customers.

Promotional Materials That You May Receive

In order to advise you of special offers provided by us or our affiliates, we may send our

customers promotional materials concerning financial products and services.

Contacting Us and Opting-Out of Communications

If you should have any questions about this Privacy Statement or wish to opt-out from

further communications, please contact our customer care department at (916) 773-

5351 or email us at