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Disclaimer

Terms, Conditions, and Disclaimers
Please read these terms, conditions, and disclaimers carefully. By accessing this Web site, you agree to be bound by all of these terms and conditions.

Use of this Web Site
Although The Construction Loan Company, Inc. has tried to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. CLC may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you need specific details about any information contained in our site, you should contact CLC by email or call us at 1-877-562-6862.

CLC controls and maintains this site from the United States of America and makes no representation that materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

Other Sites/Links
The information presented here is no way a referral, representation or endorsement of services or products, it is for informational purposes only.

Limitation of Liability
Neither CLC nor any of its parent, subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way from the information contained in this Web site or any information transmitted via this Web site. CLC is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Web site.

By transmitting information through this Web site, you accept the risk that the information you transmit to us and any information that we transmit to you, may be intercepted by third parties.

Email and Other Requests for Information Online
Messages that you send to us by email may or may not be secure. We recommend that you do not send any confidential information to us by email. If you choose to send any confidential information to us via email, you accept the risk that a third party may intercept this information.

Privacy Statement

WHAT THIS IS:
This is a disclosure required by federal law, which is intended to tell you (among other things):

• Where we get information about you (our sources);
• What we do to protect the information we have about you; and
• What our policy is about sharing information about you with others.

WHO YOU ARE:
This policy applies to you if you are a customer of ours.
A “customer” is a natural person (not a corporation) who – for personal, family, or household purposes – has or recently had a financial product with us, such as a mortgage loan.

DEFINITIONS:
Here are other terms we will use in this disclosure:

Information means nonpublic personal information, a technical term that generally means

1. information that can identify you;
2. that is not available publicly; and
3. that we collect in connection with providing a financial product or service to you.

We will use the word information to mean nonpublic personal information.
Affiliates are companies that are related to one another by ownership, common ownership, or control. For example, if one company owns or controls another company they are affiliates of each other.
Non-affiliate means a company that is not an affiliate of another company, and it also means a person who is not an employee of a company.
Opt out means a choice a person can make (in certain cases) to prevent a financial institution from sharing information about that person with others. (You do not have a right to opt out because we do not share information about you for marketing purposes.)

JOINT ACCOUNTS:
If you have a joint account with us (for example, you are, or you have, a co-borrower on a loan), you should share this notice with the person who shares your account. He or she may not get a separate notice.

SOURCES FOR INFORMATION:
We collect information about you from the following sources:

• Information you might provide us on applications and other forms;
• Information about transactions we might conduct for you;
• Information about your transactions with nonaffiliated third parties; and
• Information from consumer reporting agencies.

OUR PRIVACY POLICY:
WE DO NOT SHARE INFORMATION ABOUT YOU WITH ANYONE EXCEPT AS
REQUIRED OR PERMITTED BY LAW.

FORMER CUSTOMERS:
We have the same policy disclosing information about former customers as we do about current customers.

SECURITY:
We restrict access to the information we have about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. (We are required to do so by federal regulations.)

CHANGE:
We can change this policy, but we will tell you in advance if we do, and we will explain any further rights you might have at that time.

WHO WE ARE:
In regards to this disclosure, we means
The Construction Loan Company, Inc.
Member Home Lending Services, Inc.
1700 W. Highland, Suite 100
Howell, MI 48843