Privacy Policy

This is the web site of Manhattan Financial Group, Inc.
Our postal address is:
13915 Danielson Street Suite 101
Poway, CA 92064
We can be reached via e-mail at
or you can reach us by telephone at (619) 298-3803

Manhattan Financial Group, Inc. (Manhattan) is committed to protecting the privacy of our customers' nonpublic personal information. Keeping your information secure and ensuring your understanding of how we collect, use and maintain such information is important to us. We have implemented privacy policies consistent with applicable law and regulatory requirements. We also have adopted policies and procedures designed to safeguard the security and confidentiality of your records and nonpublic personal information which are consistent with applicable law and regulatory requirements.

This Privacy Statement provides our customers ("you") with basic information relating to the types of nonpublic personal information we collect, how we use the nonpublic personal information we collect, how we disclose the nonpublic personal information we collect, and how we safeguard the nonpublic personal information we collect.

From time to time, we will update this Privacy Statement to reflect changes in our policies and practices. If you are still a customer of Manhattan, you will receive written notification of any significant changes as required by law.

Our Collection of Nonpublic Personal Information

In order to provide the many services Manhattan offers, we will need to obtain and maintain certain of your nonpublic personal information. We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;

Information about your transactions with us, our affiliates, or others; and

Information we receive from consumer reporting agencies ("credit bureaus").

Examples of information that we may ask you to provide may include (but not be limited to) the following:


Date of Birth

Mailing Address

Social Security Number

E-Mail Address

Employment Information

In order to maintain accurate information about you, we ask that you update your personal information when any changes take place. Please notify us if you change your address, telephone number or e-mail address. You can update your personal information with Manhattan by contacting our Customer Service Department at 1-619-298-3803.

We may ask you for additional information so that we may confirm your identity. This additional personal information may be necessary to prevent fraud and to ensure that only you have access to your personal financial information. It is your responsibility to provide truthful and accurate nonpublic personal information and it is not our responsibility for any loss or damage that occurs if you fail to do so. It is also your responsibility to notify us if someone else has unauthorized access to your nonpublic personal information or has stolen your username or password. We may deny access to our products and services to any customer if a customer's identity is suspect. You may contact our Customer Service Department at 1-619-298-3803.

The Collection and Use of Anonymous Data

Visitors can log on to our website to learn about Manhattan, our products and services and find out how to contact us without providing any non public personal information. We reserve the right to collect anonymous information when users access our web site. The type of information that is gathered includes, but is not limited to, the date, time of day, which pages are visited and how much time is spent on the web site. We only collect and use information about our users in the aggregate. The general information we collect enables us to serve our customers better by continually improving our site based on up-to-date usage patterns.

Credit Bureau Reports

Manhattan utilizes credit bureau reports in order to evaluate our customers' credit worthiness and to protect our customers from fraudulent conduct. Therefore, we may obtain a credit bureau report about you when you apply for or obtain any financial products and services from us, including the making or servicing of your mortgage loan.

The following notice is provided to you pursuant to the Fair Credit Reporting Act: We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Pursuant to this Act, you have the right to ensure that the content of your credit report is accurate. If you believe that we have sent inaccurate information to the credit bureaus, please contact our Customer Service Department
at 1-619-298-3803.

Sharing of Personal Information

We do not disclose nonpublic personal information about our customers or our former customers to anyone, except as permitted by law or as otherwise disclosed in this Privacy Statement. We may disclose the nonpublic personal information we collect, in whole or in part, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may disclose all of your nonpublic personal information we collect to unaffiliated third parties who perform services for us, and to unaffiliated third parties who perform services related to products and services that you already have or request from us. Manhattan contractually requires all such third parties to maintain the confidentiality of any nonpublic personal information. Manhattan will disclose nonpublic personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency, to protect against misuse or unauthorized use of our site, and/or as we, in our sole discretion, believe necessary or appropriate to defend our interests and protect our business assets, to limit our legal liability, to enforce or apply our rights and agreements, to comply with our legal and regulatory obligations or as otherwise permitted by law. We may also disclose nonpublic personal information to credit bureaus and similar organizations, and may exchange personal information with reference sources and clearinghouse services for purposes of fraud protection and credit reporting and verification. In addition, we may transfer your nonpublic personal information in the event of a change of control of our company, or a transfer of the business assets to which your nonpublic personal information relates. We are not responsible for the privacy practices of any third parties or their websites which may differ from this Privacy Statement. We encourage you to review the privacy statement of each and every site that collects information from you in order to be informed of their privacy and security practices. We will not sell or distribute any nonpublic personal information about you except in those circumstances listed above.

Promotional Materials That You May Receive

To advise you of special offers provided by Manhattan, its affiliates or non-affiliated third parties, we may send promotional materials concerning products and services that we believe might be of interest.

Nonpublic Information Security

We restrict access to your nonpublic personal information to only those authorized employees and agents who have a need to know such information to provide products or services to our customers. We maintain and monitor physical, electronic, and procedural safeguards that comply with applicable law and regulatory requirements to guard your nonpublic personal information.

Contacting Us

If you should have any questions about this Privacy Statement, please contact our Customer Service Department at 1-619-.298-3803.