Effective Date: Dec 1, 2013 GENERAL INFORMATION

The site “www.456guaranty.com” is a website that is operated by 456 Guaranty INC. 456 Guaranty is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience, we respect the privacy of visitors who use the Site. This Privacy Policy describes how 456 Guaranty treats Your use of the Site, including the handling of Your personal information.

Terms Of Use

456 Guaranty reserves the right to revise or update this Privacy Policy at any time, and You agree to be bound by those revisions or updates. 456 Guaranty will notify You of any changes to the Privacy Policy by posting the revised or updated Privacy Policy and its Effective Date on the Site. Your use of the Site thereafter constitutes Your agreement to and acceptance of the Privacy Policy and its revisions or updates. You should periodically read the Privacy Policy to learn of any revisions or updates. If You do not agree to any terms of the Privacy Policy, please do not use the Site.

Information Collection and Use

456 Guaranty collects personally identifiable information you voluntarily provide in order to process your application. We do not collect personally identifiable information unless you voluntarily submit it to us. Personally identifiable information includes, but is not limited to:

  • First and last name,
  • Current address
  • e-mail address
  • Phone number
  • Social security number
  • Other information that identifies, or may identify you as a specific individual
Our Web server may automatically collect:

  • Your Internet Service Provider
  • Your IP address - An IP address is the unique numeric identifier assigned to each computer browser accessing the Internet. An IP address, by itself, cannot identify You personally. However, when combined with other information provided by Your Internet service provider, Your IP address can be used to identify the computer originating a message. 456 Guaranty uses your IP address to help diagnose problems with our server, and to administer our Web site. Your IP address is used to gather broad demographic information.
  • The sites you connect from and the browser you use.
  • Cookies - A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.

How the information is used:

We may use the information we collect about you in several ways:

  • Create and manage your online account, provide the products and services you purchase, and respond to your questions;
  • Provide, administer, and communicate with you about products, services, updates, and promotions (including contests, sweepstakes, programs and other offers);
  • Monitor the use and improve the quality of our interactive assets;
  • Address network integrity and security issues;
  • Comply with applicable legal requirements, industry standards, and investigate, prevent or take action regarding illegal activities;
  • Perform data analyses (including anonymization of personal information);
  • Evaluate your interest in employment and contact you regarding possible employment with 456 Guaranty.

The Site is operated, in whole or in part, from the United States. By using the Site, regardless of where You live in the world, You consent to have Your personal information transferred to and processed in the United States and to allow 456 Guaranty to use and collect Your personal information in accordance with this Privacy Policy.

Security of your Personal Information

456 Guaranty secures your personal information from unauthorized access, use or disclosure. 456 Guaranty secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption. We have done our best to ensure the security and privacy of your transactions with us. Rest assured that your credit card information and other personal data will be treated with the highest standards of safety, security, and confidentiality.

We will share personal information with companies, organizations, or individuals outside of 456 Guaranty if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:

  • Meet any applicable law, regulation, legal process or enforceable governmental request.
  • Enforce applicable Terms of Service, including investigation of potential violations.
  • Detect, prevent, or otherwise address fraud, security or technical issues.
  • Protect against harm to the rights, property or safety of 456 Guaranty, our users, or the public as required or permitted by law.

456 Guaranty not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.


456 Guaranty may transfer to or share Your Information with an affiliate or third party as part of a transfer of business assets. Such a transfer would be within the scope of this Privacy Policy so long as the affiliate or third party agrees to continue to maintain use and storage of Your information in accordance with this Privacy Policy.


456 Guaranty Web site contains links to other web sites, including sites of servicers, product manufacturers, advertisers and others. Please be aware this privacy policy does not apply to these linked sites. We are not responsible for the privacy practices or content of such web sites. We encourage you to read the posted privacy statement whenever interacting with any web site.


If You have any questions about the Privacy Policy, You may contact 456 Guaranty by sending an email to privacy@456guaranty.com.

Legal Note Applicable Law

This site is created and controlled by 456 Guaranty INC, in the State of New York. As such, the laws of the State of New York will govern these disclaimers, terms and conditions, without giving effect to the principles of conflicts of laws. Any cause of action arising, jurisdiction will be brought to court in New York City, the State of New York. 456 Guaranty reserves the right to make changes to our Web site and these disclaimers, terms and conditions at any time.