A Professional Member of the
Association of Mortgage Brokers

A Professional Member of the
Association of Mortgage Bankers

 

 
 

Finest Capital Ltd

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   Privacy Statement

Want easy fast answers direct from an experienced loan professional?  Call us at 516-933-1800 - we'll answer all your questions and deliver the best, customized loan tailored specifically for you!  You'll be glad you did!

We Respect Your Privacy

We understand there is certain information you do not want to share with everyone. And we are just as concerned about safeguarding the information you provide to us. That is why Finest Capital Ltd has adopted these privacy principles and guidelines. We value the trust you have placed in us and are committed to earning and maintaining your confidence.

Introduction

This privacy policy describes the kinds of information we collect from our customers, how we use that information, and the limited circumstances under which we will share it with third parties.

Information Collection

Finest Capital Ltd will only collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products; services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in connection with obtaining financial products and services such as mortgage loans (2) information obtained from third parties such as a credit bureau which provides your credit history or employment verification, and (3) information about your transactions with us or others.

Maintenance of Accurate Information

We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us. If the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Customer Information

Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to safeguard nonpublic personal information.

Information Sharing Within Our Affiliated Family of Companies

There are times where we will need to share a portion of your Finest Capital Ltd account information with certain affiliated companies that either currently exist or that we may create in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. Affiliated companies may be financial services providers, including consumer banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies and appraisal firms.

An "affiliated company" or "affiliate" is a company that we own or control, or that is owned or controlled by our another company that we have a strategic business relationship with. The information we may provide to these affiliates includes (i) identifying information, such as your name, address and social security number, and (ii) information about the financial product or service you obtain from us, or relevant information necessary to provide you the highest level of service available. Under the federal Fair Credit Reporting Act, we are permitted to share this information within our affiliated family of companies.

Information Sharing With Unaffiliated Third Parties

Unlike some other companies, Finest Capital Ltd does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that Finest Capital Ltd does not offer on its own, but we think will be of interest to our customers. In such cases, Finest Capital Ltd will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

Our Former Customers

Rest assured that even if you are no longer a customers of Finest Capital Ltd, we will continue to treat the information we have with the same level of confidentiality.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers and other loan applicants. We reserve the right to amend the policy at any time.

Website - General Information

We use your IP address to help diagnose problems with our server, and to administer our Web site.

This website may contain links to other websites maintained by other parties. Such links are provided for your convenience only. Our inclusion of any link does not imply an endorsement of the site, any services or products offered thereon, or its sponsoring organization.
Finest Capital Ltd is not responsible for the privacy practices or the content of such Web sites.

We may at times use an outside ad company to display ads on our site. Ads may contain cookies, and appear to be coming from our site, but in reality they are coming from our partners who are serving ads on our site.  We do not have access to any information about you from cookies you might receive while visiting our site.  Our site does not use cookies.

Security

This site has security measures in place to protect the loss, misuse and alteration of the information under our control.  The Finest Capital Ltd webmaster and our Hosting Company are the only persons with access to our files. Our Hosting Company maintains strict access control to their servers and industry standard protections are in place.

Credit Card Processing

Finest Capital Ltd credit card transactions are processed on our servers with client and card information maintained in our domain and under our control.  Your information is secure with us.  When your credit card information is transmitted for processing we use 128 bit encryption, the standard in secure processing.  It is sent direct through a secure Verisign gateway and is processed there.  Results are sent back the same way.  Verisign is one of the most trusted names for internet credit card processing.  Only encrypted data with our certificate information is sent out off our site, to Verisign's secure gateway.  This process assures you that your information is maintained using the highest standard in internet credit card processing.

Choice/Opt-Out

This email address gives clients the option to not receive future communications. You can send an email to info@finestcapital.com with your email address as the subject.

Correct/Update

This email address gives clients the option for changing and modifying information previously provided (new email address, phone numbers, etc). You can send updated information to
info@finestcapital.com.

Contacting the Web Site

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can send us an email or contact us at
516-933-1800.

Residential Loan Disclaimer: Finest Capital Ltd was a registered Mortgage Broker subsequently on Inactive Status New York State Banking Department and has since voluntarily surrendered the NYS Banking Department Residential Mortgage Broker License, closing our direct, residential mortgage brokerage company operations, obviously subject to market conditions.  Residential loans now are made directly by Licensed Lenders/Brokers & Registered Mortgage Loan Officers.

Site design, content, databases and functionality, images and photographs are copyright by FinestCapital.com and may not be reproduced without express written consent.  All services are subject to the Terms of Service and the Federal Fair Housing Act.  Some products may not be available in all states.

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