"Site" refers to
this Internet web site (oceanpacificcapital.com) and its related
services. "You" or "User" refers to a registered user of this Site.
"Ocean Pacific Capital" or "We" refers to Ocean Pacific Capital.
This Site contains links to other
Ocean Pacific Capital is not responsible for the privacy practices
of the content of any other Web sites to which We link or to which
We are linked. We encourage You to read the posted privacy statement
whenever interacting with any web site.
The Work Space.
This area of the Site is for the benefit of Users. The private and
shared Work Space areas of the Site help to facilitate communication
and the exchange and sharing of information. The information contained
in private work spaces shared between Users and Ocean Pacific Capital
is not used for any purposes other than to facilitate communication
and the exchange of information between the parties involved.
Information We Gather.
If You register to use or provide services using Ocean Pacific Capital,
we may collect and store information that specifically identifies
You or your account ("Personally Identifiable Information"). The
required information may include your User ID, password, first name,
last name, business name, address, city, state, zip/postal code,
phone, fax, email and web site address. We may, in the future, include
other optional requests for information from You, to help us to
tailor the Site for You and deliver personalized information to
Online Surveys and Contests.
Ocean Pacific Capital may conduct online user surveys to collect
information about our Users preferences. These surveys are optional
and if You choose to respond, your responses will be kept anonymous.
Similarly, we offer contests to qualifying Users in which we ask
for contact and demographic information such as name, email address
and mailing address.
Automatically Gathered Information.
Ocean Pacific Capital automatically collects your browser type and
browser software version to tailor the presentation of the services
to your platform and to maintain a record of your activity on the
to specify unique preferences and to track user trends and patterns.
Users always have the option of disabling cookies via their browser
preferences. If You disable cookies on your browser, please note
that some parts of our Site may not function as effectively or may
be considerably slower. As an automatic process, our web server
software records a log file of IP addresses that access the Site.
We also collect IP address information but do not ordinarily link
IP addresses to Users Personally Identifiable Information. However,
We can and will use IP addresses to identify a User when We, in
our sole discretion, determine that it is necessary to enforce compliance
with our Terms and Conditions of Use or to protect our service,
Site, customers or others.
Your Public Profile.
As part of registration, You may be required to provide contact
information such as name, address, city, state, zip, phone, fax
and email address, some of which can be displayed to other users
of our service in an effort to simplify communication between members.
How We Use Information.
We use Personally Identifiable Information for our own internal
purposes including contacting You via email to inform You about
updates to our services and providing You with other information
that we deem necessary. We reserve the right to disclose your information
as required by law. We do not rent or sell our Users Personally
Identifiable Information to third parties.
At this time we do not display banner advertising on our site, but
we may send You email communications including information that
we think may be of interest to You. You may opt out of receiving
these promotional email communications, either when You register
to become a Member, or at any time thereafter by
Demographic Information, Surveys and Contests.
The demographic information that Ocean Pacific Capital collects
in the registration process and through online surveys may be used
to help us improve our services to meet the needs and preferences
of our Users. This may include targeting advertising to You about
our services. Information we gather through a contest may also be
disclosed to third parties as necessary for prize fulfillment and
other aspects of any contest or similar offering.
Comments Submitted by Users.
Ocean Pacific Capital constantly seeks to improve the quality of
the services We provide and the User experience on the Site. We
value your input and encourage You to help us expand and make improvements
to the Site by providing Us with any thoughts or comments You might
have regarding our services or the operation of the Site. You can
submit any comments by contacting us.
If You provide this information, we will only use it to acknowledge
or respond to your comments. In certain circumstances, we may ask
for your permission to post your comments in marketing or promotional
We will use commercially reasonable methods to keep Personally Identifiable
Information securely in our files and systems. Please note that
with current technology, we cannot guarantee the security of your
data as it travels over the Internet.
Terminating Your Membership.
We save your Personally Identifiable Information until your membership
with us is terminated. To terminate your membership, contact
us. If You terminate your membership, your Personally Identifiable
Information cannot be recovered. You may continue to receive email
communications for a short period of time until we have updated
all of our databases. After termination of your membership, your
Personally Identifiable Information may remain on our archived database
and records for a reasonable time as residual information. We will
not use this residual information. Notwithstanding the above, we
will maintain information on Users who have been removed for violating
our Membership Agreement.
Correcting/Updating Your Information.
To correct and/or update your information, please contact
If You have any questions about this Privacy Agreement or the practices
of this Site, you may contact us at:
18818 Teller Avenue, Suite 265
Irvine, CA 92612
your financing needs,
we will tailor a loan that's right for you.
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Charles A. Elfsten