LEGAL DISCLOSURES

ViaNova Capital Group, LLC, is a loan aggregator focused on single and multi-family residential mortgages. ViaNova is an indirect majority owned subsidiary of Cohen & Company Inc. (“Cohen & Company”), a Maryland corporation publicly traded on the NYSE American under the ticker symbol “COHN”. Cohen & Company is a financial services company specializing in the fixed income markets. For more information about Cohen & Company, see www.cohenandcompany.com

Password Registration and Protection

Parts of this ViaNova website are restricted and require a user ID and a user password for access.  Unauthorized use of such parts of this website is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. If
you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas. When you select a password to access ViaNova’s online services, you agree to the following conditions:

  • ViaNova is authorized to act on instructions received under your password;
  • You will keep your password confidential and you will notify ViaNova immediately if you believe someone else has obtained your user ID and password or if you believe an unauthorized access to your account has occurred or may occur; and
  • ViaNova may, but is under no obligation to, block access to the online service site without prior notice if it believes your user ID and password are being used by someone other than you, if any unauthorized access to your account has occurred or may occur, or for any other reason.

Privacy Notice

Like most industries today, the financial services industry is rapidly being shaped by technology, which is changing the way we do business. To be successful in this environment, it is essential that we use technology to manage and maintain certain non-public personal information.
At Concoprdant, we provide products and services through various sources. To deliver these products and services as effectively and conveniently as possible, it is essential that we use technology to manage and maintain certain information. We maintain physical, electronic and
procedural safeguards to protect all non-public personal information received. We want to assure you that whenever your information is used, it is done with discretion. The safeguarding of non-public personal information is an issue we take seriously at ViaNova. To affirm our continuing commitment to the proper use of non-public personal information, we have set forth the following privacy policies. It is these privacy policies that guide us in serving the
privacy needs of those with whom we do business.

Recognition of an Expectation of Privacy

At ViaNova, we believe the confidentiality and protection of non-public personal information is one of our fundamental responsibilities and while information is critical to providing quality service, we recognize that one of our most important assets is the trust of those with whom we do
business. The safekeeping of non-public personal information is a priority for ViaNova. Thus, your privacy and information is not for sale. Under no circumstances whatsoever will ViaNova sell your personal information to anyone, for any reason, at any time. Use, Collection, and Retention of Information ViaNova limits the use, collection, and retention of non-public personal information to what we believe is necessary or useful to conduct our business, provide quality service, and offer certain products and services.

Maintenance of Accurate Information

ViaNova recognizes that it must maintain accurate records. Therefore, we have established procedures to maintain the accuracy of information and to keep such information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

At ViaNova, we take precautions to ensure the information we collect about you is protected and is accessed only by authorized individuals or organizations. We restrict access to non-public personal information by our employees and agents. Employee access to personally identifiable information is limited to those with a business reason to know such information. Employees are trained and educated on the importance of maintaining the confidentiality of non-public personal information and on these privacy policies. Because of the importance of these issues, all ViaNova employees are responsible for maintaining the confidentiality of non-public personal information and employees who violate these privacy policies will be subject to appropriate
disciplinary measures.

Protection of Information via Established Security Procedures

ViaNova recognizes that a fundamental element of maintaining effective privacy procedures is to provide reasonable protection against the unauthorized access to non-public personal information. Therefore, ViaNova has established appropriate security standards and procedures to guard access to non-public personal information.

PATRIOT Act

In accordance with the USA PATRIOT Act and other regulations applicable to it, ViaNova advises users of its website that it will fully comply with any and all regulations which may be promulgated by the U.S. Treasury Department under the USA PATRIOT Act, including those that encourage financial institutions to share information with regulatory agencies and law enforcement about individuals or organizations that may be “reasonably suspected based on
credible evidence” of engaging in terrorist acts or money laundering. Accordingly, any information provided to ViaNova may be provided to regulatory, government or law enforcement agencies if requested or if deemed appropriate by ViaNova.

Contact Us

If you have any questions about our practices with respect to any matter set forth in these Disclosures, you may contact us as follows:

ViaNova Capital Group, LLC

Karey A. Geddes
President, Founder
646-965-8213
kgeddes@vianovacapitalgroup.com