Welcome to Sand & Sea Financial - Privacy Policy & Legal Notices

Website Privacy Notice:
Sand and Sea Financial knows how important it is that sensitive information about you remains confidential. You may browse this website anonymously. There are two ways that we gather non-identifying information about you. First, we do track which pages of our website you visit and your IP address (as all websites do automatically), but we do not gather any information about you as an individual. This general information enables us to serve you better by continually improving our site based on current use patterns. Second, we also gather specific information you provide when you are interested in our products and services. We will not exchange the general tracking and IP address information collected by our website with any other companies without your permission.

We protect the privacy of the sensitive information you provide when you are interested in our products and services. We do this by setting policies and procedures for carefully handling your information; limiting employee access to sensitive information; protecting against unauthorized access to customer data using data encryption, authenticator detection technology; and requiring service providers who do business with us to comply with privacy laws.

Our website is not directed to children under the age of 13 and we do not knowingly collect personal information from children under the age of 13.

This privacy policy is effective December 18, 2006. We reserve the right to change this privacy policy. When visiting our site, you should review our privacy policy on a regular basis.

Financial Privacy Notice:
We collect and retain information for the following reasons: (1) to help you find a mortgage product that meets your needs; (2) to communicate with you; (3) to process your requests for products and services; and (4) to inform you about other products and services. We do not sell or share any personal information about you except as authorized by law. We obtain information (1) you provide us on applications and other forms (such as your name, address, phone number; social security numbers, assets, income and employment history); (2) from your credit report; and (3) from service providers. We do not disclose nonpublic personal information about you to anyone except as permitted by law. To maintain the security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you with products or services. We maintain physical, electronic and procedural safeguards to protect your personal information.

Warranties and Limitation of Liability.
Although the information contained in this website is believed to be accurate and timely, we do not assume responsibility for errors, inaccuracies, omissions or any other inconsistency. Other web pages, products, organizations that may be posted and/or linked by hypertext lines are posted and/or linked for informational purposes only and their inclusion does not constitute endorsement by us.

We expressly disclaim any obligation to maintain this website free from errors or viruses or to maintain uninterrupted access. This website is provided "AS IS." We assume no responsibility for errors or omissions on this website including any third party websites. We disclaim any express or implied warranties related to the use of this website, including without limitation, merchantability, suitability, non-infringement, or fitness for any particular purpose. We shall not be liable for any errors contained in this website or for any damages whatsoever arising out of or related to the use of this website.

Reservation of Rights.
All contents of this website, including without limitation, the graphics, icons, and overall appearance of the website, are the property of Sand and Sea Financial. Sand and Sea Financial does not waive its propriety rights, including but not limited to, copyrights, trademarks or other intellectual property rights. This website is intended solely for the personal use of individuals. No user of this website may resell, republished, download, copy, retransmit or display any portion of this website without the express prior written approval of Sand and Sea Financial. The availability of any contents through this website shall in no way constitute a transfer of any copyrights, trademarks or other intellectual property rights of Sand and Sea Financial to any website users or another party. This website and its contents are protected by the U.S. and international copyright laws, both as individual works and as compilations.





				*Website Privacy Notice:* Sand and Sea Financial knows how important it is that sensitive information about you remains confidential. You may browse this website anonymously. There are two ways that we gather non-identifying information about you. First, we do track which pages of our website you visit and your IP address (as all websites do automatically), but we do not gather any information about you as an individual. This general information enables us to serve you better by continually improving our site based on current use patterns. Second, we also gather specific information you provide when you are interested in our products and services. We will not exchange the general tracking and IP address information collected by our website with any other companies without your permission. We protect the privacy of the sensitive information you provide when you are interested in our products and services. We do this by setting policies and procedures for carefully handling your information; limiting employee access to sensitive information; protecting against unauthorized access to customer data using data encryption, authenticator detection technology; and requiring service providers who do business with us to comply with privacy laws. Our website is not directed to children under the age of 13 and we do not knowingly collect personal information from children under the age of 13. This privacy policy is effective December 18, 2006. We reserve the right to change this privacy policy. When visiting our site, you should review our privacy policy on a regular basis. *Financial Privacy Notice:* We collect and retain information for the following reasons: (1) to help you find a mortgage product that meets your needs; (2) to communicate with you; (3) to process your requests for products and services; and (4) to inform you about other products and services. We do not sell or share any personal information about you except as authorized by law. We obtain information (1) you provide us on applications and other forms (such as your name, address, phone number; social security numbers, assets, income and employment history); (2) from your credit report; and (3) from service providers. We do not disclose nonpublic personal information about you to anyone except as permitted by law. To maintain the security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you with products or services. We maintain physical, electronic and procedural safeguards to protect your personal information. *Warranties and Limitation of Liability.* Although the information contained in this website is believed to be accurate and timely, we do not assume responsibility for errors, inaccuracies, omissions or any other inconsistency. Other web pages, products, organizations that may be posted and/or linked by hypertext lines are posted and/or linked for informational purposes only and their inclusion does not constitute endorsement by us. We expressly disclaim any obligation to maintain this website free from errors or viruses or to maintain uninterrupted access. This website is provided "AS IS." We assume no responsibility for errors or omissions on this website including any third party websites. We disclaim any express or implied warranties related to the use of this website, including without limitation, merchantability, suitability, non-infringement, or fitness for any particular purpose. We shall not be liable for any errors contained in this website or for any damages whatsoever arising out of or related to the use of this website. *Reservation of Rights.* All contents of this website, including without limitation, the graphics, icons, and overall appearance of the website, are the property of Sand and Sea Financial. Sand and Sea Financial does not waive its propriety rights, including but not limited to, copyrights, trademarks or other intellectual property rights. This website is intended solely for the personal use of individuals. No user of this website may resell, republished, download, copy, retransmit or display any portion of this website without the express prior written approval of Sand and Sea Financial. The availability of any contents through this website shall in no way constitute a transfer of any copyrights, trademarks or other intellectual property rights of Sand and Sea Financial to any website users or another party. This website and its contents are protected by the U.S. and international copyright laws, both as individual works and as compilations.



			Home - Site Map - Contact Us - Find Your Home - Loans - Be Informed - Refinancing - About Us - Privacy Policy & Legal Notices - DRE: #01774114 ©2006 Sand & Sea Financial - 800 W. Ivy St., Suite D - San Diego, CA 92101 - (619) 235-7341 - fax (619) 234-3255 - info@sandandseafinancial.com