Privacy Policy



March 13, 2006

We understand that privacy is of great concern to most users of the Internet. We appreciate and are sensitive to these concerns and the requirements of applicable federal and state privacy laws. We believe that the best way to assuage your concerns is to advise you of how we will utilize any personal information you provide to us. Therefore, we have adopted the following Privacy Policy to govern the usage and handling of your personal information.

Personal Information about you may be collected from the following sources:
  • From applications or other forms we receive from you or your authorized representative;
  • From your transactions with, or from the services being performed by us, our affiliates, or others;
  • From our internet web sites; and
  • From the public records maintained by governmental entities that we either obtain directly from those entities, or from our affiliates or others.
Procedural Safeguards Employed to Protect Confidentiality

In order to ensure that unauthorized persons do not have access to any of your information, we restrict access to those individuals and entities who need to know that information to meet your needs. We also maintain physical, electronic and procedural safeguards to accomplish this goal.

Restrictions on Sharing of Your Personal Information

We may share your Personal Information with our affiliates, such as insurance companies, agents, and other real estate settlement service providers. We also may disclose your Personal Information:

  • To agents, brokers or representatives to provide you with services you have requested;
  • To third-party contractors or service providers who provide services or perform marketing or other functions on our behalf; and
  • To others with whom we enter into joint marketing agreements or that perform marketing services on our behalf.

In addition, we will disclose your Personal Information when you direct or give us permission, when we are required by law to do so, or when we suspect fraudulent or criminal activities. We also may disclose your Personal Information when otherwise permitted by applicable privacy laws such as, for example, when disclosure is needed to enforce our rights arising out of any agreement, transaction or relationship with you.

One of the important responsibilities of some of our affiliate companies is to record documents in the public domain. Such documents may contain your Personal Information.

Our Security Procedures

We consider the protection of all personal information we receive as critical to our corporate mission. Please be assured that we have security measures in place to protect against the loss, misuse, and alteration of any personal information we receive from you. As with any transmission over the Internet, however, there is always some element of risk involved in sending personal information. In order to try to minimize this risk, we encrypt all information that you submit in ordering one of our products or services using the Secure Sockets Layer (SSL) protocol.

Statistical Information Regarding Your Visit

When you visit one of our sites, our computers may automatically collect statistics about your visit, for example, number of visits, average time spent on the site, pages viewed and similar information. This information does not identify you personally, but rather identifies information about a visit to our site. Our web servers may collect the User's IP address and browser information. We use these statistics about your visit for statistical purposes only and to help us improve the content of our site.

Use of Cookies

We only use "cookies" as described in this Section. A "cookie" is a piece of information that our Web site sends to your browser, which then stores this information on your system. If a cookie is used, our Web site will be able to "remember" information about you and your preferences either until you exit your current browser window (if the cookie is temporary) or until you disable or delete the cookie. Many users prefer to use cookies in order to help them navigate a Web site as seamlessly as possible. You should be aware that cookies contain no more information than you volunteer, and they are not able to "invade" your hard drive and return to the sender personal or other information from your computer.

Our uses of "cookies" are limited to the following specific situations. The first situation is with respect to temporary cookies. If you are accessing our services through one of our online applications our Web server may automatically send your browser a temporary cookie, which is used to help your browser navigate our site. The only information contained in these temporary cookies is a direction value that lets our software determine which page to show when you hit the back button in your browser. This bit of information is erased when you close your current browser window. The second situation in which we may use cookies is with respect to permanent cookies. This type of cookie remains on your system, although you can always delete or disable it through your browser preferences. There are two instances in which we use a permanent cookie. First, when you visit our Web site and request documentation or a response from us. When you are filling out a form you may be given the option of having our Web site deliver a cookie to your local hard drive. You might choose to receive this type of cookie in order to save time in filling out forms and/or revisiting our Web site. We only send this type of cookie to your browser when you have clicked on the box labeled "Please remember my profile information" when submitting information or communicating with us. The second instance where we use a permanent cookie is where we track traffic patterns on our site. Analysis of the collected information by our tracking technologies allows us to improve our web site and the user experience. In both instances of a persistent cookie, if you choose not to accept the cookie, you will still be able to use our Web site. Even if you choose to receive this type of cookie, you can always set your browser to notify you when you receive any cookie, giving you the chance to decide whether to accept it in each situation in which one is sent.

Links to Other Web sites

Our Web site may contain links to third party web sites, which are provided and maintained solely by the third party. Such third party web sites are not subject to this privacy policy. In no way does Mother Lode Holding Company make any representations concerning the privacy policies of these third party web sites.


If you have questions about our privacy policy, you may contact us at or call us at 1-530-885-8627.