PRIVACY POLICY DISCLOSURE
(Protection of the Privacy of Personal Non-Public Information)
Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.
The Privacy Policy explains the Following:
Protecting the confidential of our customer information.
Who is covered by the Privacy Policy.
How we gather information.
The types of information we share, why, and with whom.
Opting Out- how to instruct us not to share certain information about you or not to contact you.
Protecting the Confidentiality of Customer Information:
We take our responsibility to protect the privacy and confidentiality of customer
information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.
Who is Covered by the Privacy Policy:
We provide our Privacy Policy to customers when they conduct business with our company.If we change our privacy policies to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance. This Privacy Policy applies to consumers who are current customers or former customers.
How We Gather Information:
As part of providing products of services, we may obtain information about you from the following sources:
Applications, online or off-line forms, and other information that you provide to us, whether in writing, in person, by telephone, SMS messages, electronically, or by any other mean. This information may include your first and last name, address, phone number, email address, employment information, income, and credit references;
Our website may use tracking technologies such as cookies, web beacons, pixels, and other similar technologies to automatically collect certain information from your device, including for example your IP address, browser and operating system information, geographic location, referring website address, and other information about how you interact with the website. You may disable cookies in your web browser however parts of our website may not function properly. More information about blocking and deleting cookies is available at http://www.allaboutcookies.org. Our email campaigns may also use tracking technologies such as web beacons, pixels and other similar technologies to automatically collect certain information such as your IP address, browser type and version, and email engagement statistics;
We may collect personal information about you from our advertising partners. Personal information we collect from our advertising partners may include your demographic information, shopping history, and geographic location;
Your transaction with us, our affiliates, or others. This information may include your account balances, payment history, and account usage;
Consumer reporting agencies. This information may include account information and information about your credit worthiness;
Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Information We Share:
We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third-parties without your consent, as permitted by law, such as:
To regulatory authorities and law enforcement officials.
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
To report account activity to credit bureaus.
To consumer reporting agencies.
To respond to a subpoena or court order, judicial process or regulatory authorities.
In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, we may provide information about you to our service providers to help us process your application or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.
We may also provide information about you to our service providers to help us perform marketing services. This information provided to these service providers may include the categories of information described above under “How We Gather Information” limited to only that which we deem appropriate for these service providers to carry out their functions.
We do not provide non-public information about you to any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.
SMS opt-in or phone numbers for the purpose of SMS are not being shared.
Opting Out
We also may share information about you within our corporate family of office(s). We may share all of the categories of information we gather about you, including identification information (such as your name and address), credit reports (such as your credit history), application information (such as your income or credit references), your account transactions and experiences with us (such as your payment history), and information from other third parties (such as your employment history).
By sharing this information we can better understand your financial needs. We can then send you notification of new products and special promotional offers that you may not otherwise know about. For example, if you originally obtained a mortgage loan with us, we would know that you are a homeowner and may be interested in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a new car.
You may prohibit the sharing of application and third-party credit-related information within our company or any third-party company at any time. If you would like to limit disclosures of personal information about you as described in this notice, just check the appropriate box or boxes to indicate your privacy choices.
( ) Please do not share personal information about me with non-affiliated third parties
( ) Please do not share personal information about me with any of your affiliates except as necessary to effect, administer, process, service or enforce a transaction requested or authorized by myself only as necessary to conduct those transaction necessary to clear the title of any encumbrance for the lender to use note as collateral or to sell the note.
( ) Please do not contact me with offers of products or services by mail
( ) Please do not contact me with offers of products or services by telephone
If you wish to unsubscribe from our email campaigns, please click on the Unsubscribe link at the bottom of any marketing email sent from us.
If you wish to stop receiving text messages from us, reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message sent from us.
Note for Joint Accounts: Your Opt Out choices will also apply to other individuals who are joint account holders. If these individuals have separate accounts, your Opt Out will not apply to those separate accounts.
Changes to this Privacy Policy
We may update this Privacy Policy at any time. Please review it frequently.