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
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 .