Information We Collect
To accommodate your financing needs, we must have accurate records about you. Therefore, when you apply for a loan, we may collect “nonpublic personal information” about you from the following sources: 1) loan applications or other forms completed by you; 2) records of your transactions with us, our affiliates or others; 3) reports from consumer reporting agencies; and/or 4) verifications from employers, landlords, lenders and others.
Parties with Whom We Share Information
Disclosures Allowed by Law
We may retain service providers to perform functions on our behalf, such as, credit reporting agencies, appraisal companies, title companies, escrow agents and flood zone certification vendors. We may also utilize the services of companies that are needed to service loans or sell loans to other investors, such as, escrow account administrators for the payment of taxes and insurance and technology companies that provide data processing services. In order for such companies to perform the required services, information will be shared with them. The law allows us to provide this information and you may not opt-out from the disclosure of this information. In addition to the third parties described above, we may also share your information with certain nonaffiliated third parties as permitted by applicable law.
With Non-Affiliated Third Parties
We reserve the right to disclose all of the nonpublic personal information about you to non-affiliated third parties such as financial service providers (i.e. providers of home equity loans and/or credit lines, insurance agents and credit card companies), non-financial companies (i.e. direct marketers, security system installers, and home improvement firms), and others such as non-profit organizations.
Your “opt-out” Rights
Policy for Former Customers and Consumers
Former consumers and customers have the same “opt-out” privileges identified in this policy. We will adhere to the privacy policies and “opt-out” privileges you exercise even after you cease being an active customer.
Our Security Procedure
We take steps to safeguard your information. We restrict access to your personal and account information to those employees who need to know that information to perform their job function. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your information.
How to Obtain More Information