PRIVACY POLICY

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use our services. It also tells you about your privacy rights and how the law protects you. We use your personal data to provide and improve our services. By using this site and our services, you agree to the collection and use of your information in accordance with this Privacy Policy.

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Privacy Policy

The policy of Claire Financial Services, LLC is that the financial records of our customers and the relationships between Claire Financial Services, LLC and our customers are confidential, and that the safekeeping of customer information is a priority of Claire Financial Services, LLC.

We collect, retain, and use information about our customers when we reasonably believe that it will help administer our business or provide products, services, and other opportunities for them. We collect and retain information about our customers only for specific business purposes - and we will tell our customers why we are collecting and retaining it upon our customers' request unless prohibited by law from doing so.

We use information to protect and administer our customer's records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand our customers' financial needs so that we can provide our customers with quality products and superior service.

Purpose and Objectives

The purpose of our Privacy Policy is to define specific principles for Claire Financial Services, LLC employees to follow in compliance with customers' rights and existing laws as it pertains to personal non-public information.

• No employee other than Claire Financial Services, LLC's designated representative(s) is authorized to divulge financial information or records of a customer to anyone outside Claire Financial Services, LLC.

• It is the policy of Claire Financial Services, LLC to cooperate with governmental agencies in their properly made, legitimate requests for information and only in compliance with the specific requirements of the Right to Financial Privacy Act.

• It is the responsibility of each department manager to ensure that Claire Financial Services, LLC employees in their area understand the importance of confidentiality and customer privacy and receive training in responding to requests for information appropriate for the types of requests that may be received by that area.

Employee Privacy Policy

All employees must adhere to the following privacy rules:

• Give customers and consumers the right to opt out of certain types of information-sharing of their data by Claire
Financial Services, LLC or by third parties who are not affiliates.

• Prohibit sharing certain types of information about our customers and consumers, unless their consent if provided and

particular conditions are met, or in case of legal or judicial requirement.

• Provide an initial Privacy Notice to our customers.

• Safeguard the confidentiality and security of customer data and any Non-public Personal Information.

Non-Public Personal Information is any data or information considered to be personal in nature and not subject to public availability. Personal information includes, but is not limited to:

• Individual names

• Social Security Numbers

• Credit or debit card numbers

• State identification card numbers

• Driver's license numbers

• Asset information

• Credit/liability information

• Income information

Personal information does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records.

Violation of this confidence is cause for disciplinary action up to and including discharge.

*Notation - Specific Privacy guidelines can be found in our Red Flag, Safeguards, and Information Security Policies.

Restrictions on the Disclosure of Account Information

Claire Financial Services, LLC will not reveal confidential customer information to third parties except in the following instances:

The information is provided to any affiliate of Claire Financial Services, LLC that may now exist or hereafter be established:

• As necessary to effect, administer, or enforce a transaction requested or authorized by the consumer.

• To service or process a financial product or service requested or authorized by the consumer.

• To protect the confidentiality or security of our customers records pertaining to the consumer, service, product, or transaction.

• To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability.

• For required institutional risk control or for resolving consumer disputes or inquiries.

• To persons holding a legal or beneficial interest relating to the consumer or to persons acting in a fiduciary or representative capacity on behalf of the consumer.

• To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating
our customers, persons that are assessing our customers compliance with industry standards.

• To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (to law enforcement agencies -including government regulators).

• To a consumer reporting agency in accordance with the Fair Credit Reporting Act.

• In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit.

• To comply with Federal, State, or local laws, rules, and other applicable legal requirements.

• To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or

• To respond to judicial process or government regulatory authorities having jurisdiction over our customers for examination, compliance or other purposes as authorized by law.
• We do not provide account or personal information to unaffiliated third parties
for the purpose of independent telemarketing or direct mail marketing of any non financial products or services of those companies. However, we may also share information with unaffiliated companies when they assist us in providing products and services to our customers or we offer such products and services jointly.

Access to Information

Claire Financial Services, LLC will maintain appropriate security standards and procedures regarding unauthorized access to customer information. Employee access to personally identifiable information will be limited to those with a business reason for knowing such information. If personally identifiable customer information is provided to a third party, Claire Financial Services, LLC will insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.

Last updated: January 6, 2025

Frequently Asked Questions

How does Down-Payment Assistance Programs really work?

All Down-Payment Assistance Programs are typically 2nd mortgage loans with 0% interest and No Monthly payment. Some are grants that are forgiven over time. Others are paid back with small monthly payments. Most of them have to be paid back whenever you refinance, sell, move out, pay-off the 1st mortgage or transfer the house to your heirs.

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Claire Financial Services, LLC is a boutique Mortgage Broker located in the beautiful city of Port St Lucie, Florida.

Our mission is to find the right mortgage loan every time, for everyone we serve, so that they can either create or leverage Home Equity to Live A Better Life.