(928) 529-5499 Paul@sundownersaloon.com


S/A MORTGAGE  values your trust and respects your expectation of privacy. As such, we are committed to maintaining the confidentiality of your personal financial information. This document outlines our privacy policy for visitors to our website.


At S/A MORTGAGE , protecting the privacy and security of your personal information is important to us. We collect, retain, and use information about you in order to administer our business and to provide quality products and services that may be of benefit to you. We consider safeguarding your financial information a fundamental part of our business philosophy.

Information We Collect

When you visit our website, we may collect the following information in order to service your accounts:

  • Information we receive from you on applications or other forms (such as your name, address, Social Security number, assets and income)
  • Information about your online transactions with us, as well as information about our online communications with you. Examples include your online bill payments and your activity on the website, such as collecting information on product information reviewed.

Visitors to Our Website

Visitors to our website remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor’s use of our website. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our Online Banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

Web Browser Settings and Control of Personally Identifiable Information Collection

You may have the ability to activate web browser tracking settings or other mechanisms that give you the option to control the collection of personally identifiable information about your online activities over time and across third-party websites or online services. Our response to these settings and mechanisms will depend on the setting and mechanism and the impact on our collection and tracking practices. At this time, our website only tracks your activities while on our website and, unless you register with us for a service, we do not collect any personally identifiable information about you. The tracking is facilitated using ‘cookies’ that we place on your computer. If you choose not to accept cookies or remove locally stored cookies, we will not track your activity on our website; however, some features and services on our website may not be available to you. For more information regarding cookies, refer to ‘Visitors to Our Website’ in this policy.

Third Parties

When you use our website or online service, third parties acting on our behalf may collect the personally identifiable information and website activity identified above. This may include the personally identifiable information collected when you register with us for a service. Depending on the third party websites you visit, as well as any preferences and authorizations you have provided to others, your activity on our website and across other websites, including personally identifiable information, may be tracked and collected by us and by third parties. Whenever you access third party sites (including search engine sites and sites linked via search engine sites) or provide them with information, these third parties may track your activity across the Internet, collect and share your personally identifiable information with third parties and with us, all subject to the third party’s privacy and security practices. For further details, refer to ‘Links to Other Websites’ in this policy.

Disclosure Of Non-Public Personal Information

We do not disclose non-public personal information about our customers to non-affiliated third parties, except as permitted by law. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically. If you end your relationship with the Bank, we will continue to adhere to the information policies and practices described in this policy.


There are instances when information about you may be provided to others. For example, we are permitted by law to share information:

  • Within the Bank in order to service your accounts or to market other products or services we may offer.
  • With non-financial companies that perform services on our behalf, such as check printers, data processing companies, companies that prepare or mail account statements, or companies that perform marketing services on our behalf.
  • With credit bureaus about loans we make, whether or not they are handled properly, and about deposit accounts that are not handled properly.
  • In order to comply with a number of laws and regulations we are required to furnish various reports to federal, state, and/or local government officials regarding certain transactions or accounts.
  • To comply with subpoenas and other legal processes that require us to provide information about your accounts or other business with the Bank.
  • If we suspect that a crime involving you or your loan or deposit account may have been committed.
  • With our regulatory agencies and agents of the Bank or its affiliated companies, such as our independent auditors, consultants or attorneys, all of who will be bound to protect the information as we do.
  • With others that you, or any other person with signing authority over your account, have given us oral or written permission to do so.

Maintaining accurate Information

We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact us at the number or address set forth below if you believe that our information about you is incomplete, out-of-date, or incorrect.

Links to Other Websites

Our website may feature links to third party websites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. If you provide third parties with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site). We are not responsible for the information collection practices of the other websites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy. For further details, refer to ‘Third Parties’ in this policy.


We feel strongly about protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from such individuals through our website.

Changes to This Policy

We may add to, delete from, or otherwise change the terms of this Online Privacy Policy from time to time by posting a notice of the change (or an amended Online Privacy Policy) at this website. If required by law, we will send you a notice of the change. Your continued use of our website or any on-line service following notification will constitute your agreement to the revised Policy.


If you have any questions or concerns about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to telephone or come in to talk to our staff. You may also write to:


Fred J. Kierulff
Sr. Mortgage Loan Consultant
Cell-Direct (562) 335-8082
Alt (928) 565-7330
Fax (866) 216-1349
BRE # 01130224
NMLS # 278377

S/A Mortgage
(Corporate Headquarters)

PO Box 1040
Palm Desert CA 92261
DRE 01868567
NMLS 238365


We value your business and hope you will continue banking with us for many years to come.


(Last Updated August 2018)