Financial Privacy Notice
Rev. June 2026
This notice is provided under the federal Gramm-Leach-Bliley Act (GLBA) and describes how Bay Area Realty and Construction Inc. handles the nonpublic personal information of individuals who obtain or inquire about our financial products or services (such as mortgage, lending, and real-estate brokerage) for personal, family, or household purposes. For all other information practices, including website data and your California privacy rights, see our Privacy Policy.
FACTSWhat does Bay Area Realty and Construction Inc. do with your personal information?
- Why?
- Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully.
- What?
- The types of personal information we collect and share depend on the product or service you have with us. This information can include your Social Security number and income, account balances and payment history, credit history and credit scores, and assets and transaction history. When you are no longer our customer, we continue to share your information as described in this notice.
- How?
- All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BARC chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does BARC share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing
We do not share your personal information for any of the reasons listed above that you can limit, so no action is needed. You can still opt out of marketing communications at any time — reply STOP to text messages, or use the unsubscribe link in our emails.
Questions?
Call (408) 813-0158 or email bayarearealtyandconstruction@gmail.com.
Who we are
- Who is providing this notice?
- Bay Area Realty and Construction Inc. (operating as Bay Area Realty & Construction), in connection with its mortgage, lending, and real-estate brokerage services (CSLB #1056408, DRE #02101262, NMLS #2318863).
What we do
- How does BARC protect my personal information?
- To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We limit access to your information to employees and service providers who need it to provide products or services to you.
- How does BARC collect my personal information?
- We collect your personal information, for example, when you apply for financing or a loan, give us your income or employment information, provide account or property information, seek advice about a real-estate transaction, or use our services. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
- Why can't I limit all sharing?
- Federal law gives you the right to limit only (1) sharing for affiliates' everyday business purposes — information about your creditworthiness; (2) affiliates from using your information to market to you; and (3) sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See “Other important information” below for your California rights.
Definitions
- Affiliates
- Companies related by common ownership or control. They can be financial and nonfinancial companies. BARC does not share your nonpublic personal information with affiliates for the purposes that can be limited.
- Nonaffiliates
- Companies not related by common ownership or control. They can be financial and nonfinancial companies. BARC does not share your nonpublic personal information with nonaffiliates so they can market to you.
- Joint marketing
- A formal agreement between nonaffiliated financial companies that together market financial products or services to you. BARC does not jointly market.
Other important information
California residents. Because we operate in California, we will not share personal information we collect about you with nonaffiliates except as permitted by California law, such as with your consent or to service your accounts. For more about your California privacy rights, see our Privacy Policy.
This notice applies to the nonpublic personal financial information of individuals who obtain or inquire about financial products or services from us for personal, family, or household purposes. If any separate notice or signed agreement we provide at application conflicts with this notice as to such information, the more specific notice or agreement controls.
Mailing address
Bay Area Realty and Construction Inc. · 830 Stewart Dr, Sunnyvale, CA 94085