Kathy Stypula NMLS #311484

WHAT INFORMATION DO WE COLLECT?
We collect information from you when you register on our site, place an order, subscribe to our newsletter or fill out a form.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.

WHAT DO WE USE YOUR INFORMATION FOR?
Any of the information we collect from you may be used in one of the following ways:

- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
- To process transactions. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
- To administer a contest, promotion, survey or other site feature
- To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.

HOW DO WE PROTECT YOUR INFORMATION?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

HOW DO I UPDATE OR OPT-OUT OF PROVIDING MY INFORMATION?
Visit any form within an app and click/tap "Update Information Above", update the information, and click/tap "Register". You will then be sent a confirmation code. Upon entering your confirmation code your information will be updated.

OR

Contact the person that sent you the app and they can do it for you.

DO WE USE COOKIES?
Yes (Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders over the telephone or by contacting customer service.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

DO WE DISCLOSE OR SELL ANY INFORMATION TO OUTSIDE PARTIES?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

THIRD PARTY LINKS
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

HOW WE RESPOND TO DO NOT TRACK SIGNALS FOR CALIFORNIA RESIDENTS
California & Business Professions Code Section 22575(b) as amended effective January 1, 2014, provides that California residents are entitled to know how CardTapp responds to “Do Not Track” browser settings.

Currently, we do not take actions to respond to “Do Not Track” signals because a uniform technology standard has not yet been developed. We will continue to review new technologies and may adopt a standard once one is created

Third-parties

Our website may contain links to other third party websites. We are not responsible for the privacy practices or content of these third-party sites.

Contact Us

For any inquiries in relation to CardTapp’s policies regarding cookies and tracking technologies, you may email us at support@cardtapp.com.

ONLINE PRIVACY POLICY ONLY
This online privacy policy applies only to information collected through our website and not to information collected offline.

TERMS AND CONDITIONS
This online privacy policy applies only to information collected through our website and not to information collected offline.

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at www.cardtapp.com/tos

YOUR CONSENT
By using our site, you consent to our online privacy policy.

CHANGES TO OUR PRIVACY POLICY
If we decide to change our privacy policy, we will post those changes on this page.

Contacting Us:
If there are any questions regarding this privacy policy you may contact us using the information below.

www.cardtapp.com

1420 NW Gilman Blvd, Suite 2 #8019
Issaquah, WA 98027
USA

help@cardtapp.com

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I am a Central Valley native, born and raised in Clovis. With nearly 3 decades of Real Estate Lending experience, I enjoy working with every type of borrower. I have spent a fair amount of my career in Southern California. Given the fierce competitive market there, my success demanded I set myself apart from the competition. In doing that, I cultivated a sales strategy that would add value to both my Realtors, Referral Partners as well my home buyers. As a legacy Real Estate agent in the early 90's, I learned how to navigate even the most challenging of markets. The Central Valley envelopes a wide range of demographic thus constantly challenging my professional knowledge. While money is still very affordable today, I make an effort to compile a financial overview for every borrower ensuring I have explained to them what their most viable options are for home loans. Creating a client relationship is vital to a successful transaction, as investing in a home is one of, if not the largest financial investments an individual will make. I have been blessed with great leaders throughout my professional career, all of which have played a pivotal role in my success. Personally, I am most grateful for my family! My parents that always supported me and allowed me to drive my strengths and dreams; my husband who is such a brilliant achiever and pushes me to be my best spiritually and professionally; and my children that adore and support me unconditionally!

As a Change Home Mortgage lending professional, our team is knowledgeable about a wide range of different loan programs in order to serve your unique needs and financial goals. Whether you're making a first time purchase, a second home purchase, vacation rental or looking to refinance,
I can help you!

As a near 30 year veteran of my trade, I am well versed on FHA, VA, Conventional, Jumbo, and Construction Loans. At Change Home Mortgage, we offer a plethora of alternate loan products that include no income/ratio, asset qualifying, bridge loans, and second mortgages. I welcome the opportunity to discuss your options and value your business. I pride myself on providing my clients with the best professional service and mortgage solutions that make most sense for their individual needs, unique financial situation and real estate investing goals.

Please contact me today if you'd like more information about our special loan programs. I look forward to working with you!

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