Collecting And Using Personal Information:

Welcome to Home Financing Center online. We appreciate your interest in us. Our long tradition of integrity is part of our core values, and these values are extended to our online business. Any non-public personal information that you may provide via our website will be not be shared with anyone, ever.

In some cases, and in all cases where required by law or regulation, you will be able to update the information that you provide to us either by sending us an e-mail or, where you have established personal profiles with us, by updating your profile online. Please refer to the specific pages where data is collected for more information.) Home Financing Center online will not sell, license, transmit or disclose this information outside of Home Financing Center and its affiliate companies unless (a) expressly authorized by you, (b) necessary to enable Home Financing Center contractors or agents to perform certain functions for us, or (c) required or permitted by law. In all cases, we will disclose the information consistent with applicable laws and regulations and we will require the recipient to protect the information and use it only for the purpose it was provided.

By “personal information,” we mean data that is unique to an individual, such as a name, address, Social Security number, e-mail address, account number or telephone number. From time to time, we may request personal information from you at our site in order to deliver requested materials to you, respond to your questions, or deliver a product or service.

Online Forms and Applications:

If you submit a form or application online, or request an online transaction, we may keep the information you send in an electronic database. We use security measures to protect against the loss, misuse, and the alteration of data used in our systems.

Respecting and protecting customer privacy is vital to our business. By explaining our 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 are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains the collection of Non-Public information and explains how we protect the confidentiality and security of such information.

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 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 Private Policies:

We provide our Private 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 you with financial products or services, we may obtain information about you from the following sources:

• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
• Your transaction with our affiliates, others, or us. This information may include 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 enforcements 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 applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow 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.

We only disclose Non-Public information to nonaffiliated third parties as permitted by law.

To Stop Pre-Approved Credit Solicitations From Other Companies:

If you would like to have your name taken off all pre-approved credit solicitations, you can call 1-888-5optout. (1-888-567-8688)

To Register with the National Do Not Call Registry:

To reduce the number of telemarketing calls you receive you may register for the National Do Not Call Registry, managed by the Federal Trade Commission (FTC). For more information regarding this registry or to register for this service contact 1-888-382-1222 (from the number you wish to register) or visit the National Do Not Call Registry website at www.donotcall.gov