Privacy Policy

Introduction

C2 Financial Corporation ("C2 Financial," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or interact with us.

By using our website or services, you consent to the practices described in this policy. We encourage you to read this policy carefully and contact us if you have any questions.

Information We Collect

We may collect the following types of personal information:

• Name, email address, phone number, and mailing address
• Social Security number and date of birth (for loan applications)
• Employment and income information
• Financial information including bank account and asset details
• Credit history and credit scores
• Property information related to real estate transactions
• Website usage data, cookies, and analytics information
• Communications with us, including emails and chat messages

How We Use Your Information

We use your personal information for the following purposes:

• Processing and underwriting mortgage loan applications
• Communicating with you about your loan status and account
• Providing customer support and responding to inquiries
• Sending relevant marketing communications (with your consent)
• Improving our website, services, and user experience
• Complying with legal and regulatory obligations
• Preventing fraud and ensuring security

How We Share Your Information

We may share your personal information with:

• Lending partners, investors, and servicers to process your loan
• Credit reporting agencies as required by law
• Service providers who assist with our business operations
• Government agencies and regulators as required by law
• Legal counsel when necessary to protect our rights

We do not sell your personal information to third parties for their marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can manage your cookie preferences through your browser settings. Disabling cookies may affect some website functionality.

Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right to access and obtain a copy of your personal information
• Right to request correction of inaccurate information
• Right to request deletion of your personal information
• Right to opt out of marketing communications
• Right to restrict or object to processing of your information
• Right to data portability

To exercise any of these rights, please contact us using the information provided below.

Your Financial Privacy Rights (Gramm-Leach-Bliley Act)

As a financial institution, C2 Financial Corporation collects nonpublic personal information ("NPI") about you when you apply for a loan or otherwise transact with us — such as loan application details, income, credit information, and account balances. We may share NPI with non-affiliated third parties only as permitted by law, such as with lenders and service providers involved in processing your loan, and for joint marketing arrangements with other financial institutions.

Your right to opt out: You have the right to opt out of the sharing of your nonpublic personal information with non-affiliated third parties for purposes other than loan processing, servicing, and other exceptions permitted by law. To exercise this opt-out right, contact us by phone, by email, or in writing using the contact information below, and specify that you wish to opt out of information sharing with non-affiliated third parties.

Customers receive our privacy notice when the customer relationship is established and annually thereafter for as long as the relationship continues (or through a permitted alternative delivery method), and it is available at any time upon request.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale or sharing of personal information. For more details, please contact our privacy team.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by updating the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: