Privacy and Security
Information we collect about you and how we collect it
We will ask you to provide personal information to submit a home mortgage loan application, like your name, address, telephone number, email address, social security number, bank account numbers, employment info, and credit card numbers. We will gather additional information as we process your home mortgage loan application, including your online application to make an informed decision about granting you credit. We collect personal information from the following sources: (1) your loan application and other forms, including an online mortgage; (2) verifications; (3) previous transactions with us; and (4) consumer reporting agencies. Also, we collect personal information from you when you visit our website, including the IP address of the device you use to connect to the internet, your browser, your computer’s operating system, and the advertisement you clicked to get to our website.
We will use your personal data to provide you with information or services you request, to inform you about other information and services we think will be of interest to you, and to facilitate your use and our administration and operation of the website and our services.
How we protect your personal information
The security of your personal information is our priority. We protect this information by maintaining physical, electronic and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive. We maintain physical, electronic and procedural safeguards to protect your non-public personal information. We use encryption technology when a loan application and other personal information is transmitted over the Internet. We restrict access to non-public personal information to those employees who need to know that information to provide our services to you. Our employees are bound by a confidentiality agreement requiring confidential treatment of all such information. Our goal is to maintain your trust and confidence when handling personal information about you. We encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.
Email is an important communication channel but not considered a secure channel for transmitting confidential information. We do not send sensitive information using email and encourage our customers to follow the same practice. When you provide your email address, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you. We believe you should be able to choose what kind of information you receive via email. If you do not want to receive marketing materials by email, just indicate your preference on the contact details for your account or the ‘opt-out’ link provided in our marketing emails.
The law regarding disclosure of your information
By law, lenders may disclose non-public personal information they collect to companies that perform marketing or other services on their behalf or to other financial institutions with whom they have joint marketing agreements. They may also disclose such information under certain other circumstances permitted or required by law, including in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, or the sale of a mortgage to another lender.