SCOPE AND APPLICATION

This Privacy Policy contains principles that are observed by Sedillo 500, Inc. regarding the collection, use and disclosure of personal information. Each principle must be read in conjunction with the accompanying commentary. The commentary in the Sedillo 500. Privacy Policy has been tailored to reflect personal information issues specific to Sedillo 500.

The scope and application of the Sedillo 500 Privacy Policy are as follows:
The Policy applies to personal information about Sedillo 500's customers and other individuals that is collected, used or disclosed by Sedillo 500.
The Policy does not apply to information about Sedillo 500's corporate customers; however, such information is protected by other Sedillo 500 policies and practices and through contractual arrangements.
The Policy does not apply to information about Sedillo 500's employees; however, such information is protected by other Sedillo 500 policies and practices.
This Policy is subject to change, and may be supplemented or modified by additional terms applicable between Sedillo 500 and an individual.

DEFINITIONS

Collection - the act of gathering, acquiring, recording, or obtaining personal information.

Consent - voluntary agreement with the collection, use and disclosure of personal information for defined purposes. Consent can be either express, implied or deemed, and can be provided directly by the individual or by an authorized representative. Express consent can be given orally, electronically or in writing. Implied consent is consent that can reasonably be inferred from an individual's action or inaction. Deemed consent is consent that is deemed to be given pursuant to applicable legislation or other regulations.

Disclosure - making personal information available to a third party.

Personal information - information about an identifiable individual, but does not include aggregated information that cannot be associated with a specific individual. Personal information also excludes certain information as is excluded pursuant to applicable legislation or other regulations, such as publicly available information or business contact information, as and when applicable.

Sedillo 500 - Sedillo 500, and its subsidiaries and certain designated affiliates, as they may exist from time to time, including Rancho Verde.

Third party - an individual or organization outside Sedillo 500.

Use - the treatment, handling and management of personal information by and within an organization.

Principle 1 - Accountability

Sedillo 500 is responsible for personal information under its control and shall designate one or more persons who are accountable for Sedillo 500's compliance with the following principles.

1.1 Sedillo 500 shall designate one or more persons to be accountable for compliance with the Policy. The Chief Privacy Officer is entitled to delegate day-to-day responsibility for administration of this Privacy Policy and related privacy policies and practices to other employees.

1.2 Sedillo 500 shall make known, upon request, the title of the person or persons designated to oversee Sedillo 500's compliance with the Policy.

1.3 Sedillo 500 is responsible for personal information in its possession or under its control. Sedillo 500 shall use appropriate means to protect personal information while information is being processed by a third party on behalf of Sedillo 500 (see Principle 7).

1.4 Sedillo 500 shall implement policies and procedures to give effect to the Policy, including:
a) implementing procedures to protect personal information and to oversee Sedillo 500's compliance with the Sedillo 500 Privacy Policy;
b) establishing procedures to receive and respond to inquiries or complaints;
c) training and communicating to staff about Sedillo 500's policies and practices; and
d) developing public information to explain Sedillo 500's policies and practices.
Principle 2 - Identifying Purposes for Collection of Personal Information

Sedillo 500 shall identify and document the purposes for which personal information is collected at or before the time the personal information is collected or, when appropriate, at or before the time the personal information is used for a new purpose.

2.1 Sedillo 500 collects personal information for the following purposes:
a) to establish and maintain a responsible commercial relationship with customers;
b) for purposes identified to individuals or purposes obvious to individuals, in respect of particular collections of personal information;
c) to meet legal and regulatory requirements;
d) to understand needs and preferences of individuals;
e) to develop, enhance, market and/or provide products and services;
f) to manage and develop Sedillo 500's business and operations, including transfer of data among affiliated entities.
Further references to "identified purposes" mean the purposes identified in this Principle.

2.2 Sedillo 500 shall, as appropriate, specify orally, electronically or in writing the identified purposes to the individual at or before the time personal information is collected. Upon request, persons collecting personal information shall explain these identified purposes or refer the individual to a designated person within Sedillo 500 who shall explain the purposes.

Principle 3 - Consent

The knowledge and consent of an individual are generally required for the collection, use or disclosure of personal information. In certain circumstances personal information can be collected, used or disclosed without the knowledge and consent of the individual, such as in the case of an emergency where the life, health or security of an individual is threatened.

Sedillo 500 may disclose personal information without knowledge or consent to a lawyer or other advisor representing Sedillo 500, to collect a debt, to comply with a subpoena, warrant or other court order, or as may be otherwise required or authorized by law.

3.1 In obtaining consent, Sedillo 500 shall use reasonable efforts to ensure that an individual is advised of the identified purposes for which personal information will be used or disclosed. Purposes shall be stated in a manner that can be reasonably understood by the individual.

3.2 Generally, Sedillo 500 shall seek consent to use and disclose personal information at the same time it collects the information. However, Sedillo 500 may seek consent to use and disclose personal information after it has been collected, but before it is used or disclosed for a new purpose.

3.3 Sedillo 500 will require individuals to consent to the collection, use or disclosure of personal information as a condition of the supply of a product or service only if such collection, use or disclosure is reasonably required to fulfill the identified purposes.

3.4 In determining the appropriate form of consent, Sedillo 500 shall take into account the sensitivity of the personal information and the reasonable expectations of the individual.

3.5 Where consent is required for a particular use or disclosure, an individual may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. Individuals may contact Sedillo 500 for more information regarding the implications of withdrawing consent.

Principle 4 - Limiting Collection of Personal Information

Sedillo 500 shall limit the collection of personal information to that which is necessary for the purposes identified by Sedillo 500 and as permitted by law.

4.1 Sedillo 500 collects personal information primarily from the individual to whom the information relates.

4.2 Sedillo 500 may also collect personal information from other sources including credit bureaus or other third parties who represent that they have the right to disclose the information, or as otherwise permitted by law.

Principle 5 - Limiting Use, Disclosure and Retention of Personal Information

Sedillo 500 shall not use or disclose personal information for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Sedillo 500 shall retain personal information only as long as necessary for the fulfillment of those purposes or as required or permitted by law.

5.1 Sedillo 500 may disclose an individual's personal information to:
a) a person who in the reasonable judgment of Sedillo 500 is seeking the information as an agent of the individual;
b) a company or individual employed by Sedillo 500 to perform functions on its behalf, such as but not limited to research or data processing;
c) another company or individual for the development, enhancement, marketing or provision of any of Sedillo 500's products and services;
d) an agent used by Sedillo 500 to evaluate the individual's creditworthiness or to collect the individual's account;
e) a credit reporting agency;
f) a public authority or agent of a public authority, if in the reasonable judgment of Sedillo 500, it appears that there is imminent danger to life or property which could be avoided or minimized by disclosure of the information;
g) another entity as part of a merger, a sale of assets or all or part of a business, or any other corporate change or re-organization;
h) a third party or parties, where the individual consents to such disclosure or disclosure is required or permitted by law.
5.2 Only Sedillo 500 employees with a business need to know, or whose duties reasonably so require, are granted access to personal information about individuals.

5.3 Depending on the circumstances, where personal information has been used to make a decision about an individual, Sedillo 500 shall retain, for a reasonable period of time, either the actual information or the rationale for making the decision.

5.4 Sedillo 500 shall maintain reasonable and systematic controls, schedules and practices for information and records retention and destruction which apply to personal information that is no longer necessary or relevant for the identified purposes or required or permitted by law to be retained. Such information shall be destroyed, erased or made anonymous.

5.5 Where appropriate, Sedillo 500 may communicate updates of personal information to third parties.

Principle 6 - Accuracy

Sedillo 500 shall take steps to ensure that personal information is as accurate, complete and up-to-date as is appropriate for its purposes.

6.1 Personal information used by Sedillo 500 shall be sufficiently accurate, complete and up-to-date to minimize the possibility that inappropriate information may be used to make a decision about an individual.

6.2 Sedillo 500 shall update personal information about individuals as and when reasonably necessary to fulfill the identified purposes or as reasonably requested by the individual.

Principle 7 - Security Safeguards

Sedillo 500 shall protect personal information by security safeguards appropriate to the sensitivity of the information.

7.1 Sedillo 500 shall take appropriate and reasonable steps to protect personal information against such risks as loss or theft, unauthorized access, disclosure, copying, use, modification or destruction.

7.2 Sedillo 500 shall take appropriate and reasonable steps to protect personal information disclosed to third parties, for example by contractual agreements stipulating the confidentiality of the information and the purposes for which it is to be used.

Principle 8 - Openness

Sedillo 500 shall make readily available to individuals specific information about its policies and practices relating to the management of personal information.

8.1 Copies of the Policy will be made available upon request.

8.2 Sedillo 500 shall make information about its policies and procedures easy to understand, including:
a) the title and addresses of the person or persons accountable for Sedillo 500's compliance with the Policy and to whom inquiries or complaints can be forwarded;
b) the means of gaining access to personal information held by Sedillo 500; and
c) a description of the type of personal information held by Sedillo 500, including a general account of its use.
Principle 9 - Individual Access

Upon request, Sedillo 500 shall inform an individual of the existence, use and disclosure of his or her personal information, at a minimal or no cost to the individual. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

9.1 In certain situations, Sedillo 500 may not be able to provide access to all the personal information that it holds about an individual. For example, Sedillo 500 may not provide access to information if doing so would likely reveal personal information about a third party or could reasonably be expected to threaten the life or security of an individual. Also, Sedillo 500 may not provide access to information if disclosure would reveal confidential commercial information, if the information is protected by solicitor-client privilege, if the information was generated in the course of a formal dispute resolution process, or if the information was collected in relation to the investigation of a breach of an agreement or a contravention of a law. If access to personal information cannot be provided, Sedillo 500 shall, upon request, provide the reasons for denying access.

9.2 In order to safeguard personal information, an individual may be required to provide sufficient identification information to permit Sedillo 500 to authorize access to the individual's file.

9.3 Individuals can seek access to their personal information by contacting a designated representative at Sedillo 500.

9.4 Sedillo 500 will endeavor to respond to all requests within 30 days or, in any event, as required or permitted by applicable law.

Principle 10 - Handling Inquiries and Challenges

An individual shall be able to address a challenge concerning compliance with the above principles to the designated person or persons accountable for Sedillo 500's compliance with the Policy.

10.1 Sedillo 500 shall maintain procedures for addressing and responding to all inquiries or complaints from individuals about Sedillo 500's handling of personal information.

10.2 Sedillo 500 shall inform its customers about the existence of these procedures as well as the availability of complaint procedures.

10.3 The person or persons accountable for compliance with this Policy may seek external advice where appropriate before providing a final response to individual complaints.