PRIVACY POLICY

This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission’s implementing regulation thereunder, 16 CFR Part 313. We are committed to Safeguarding Customer Information. In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we do with such information – particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide to us. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information. Even if you are no longer a customer (i.e., you are a former customer), our Privacy Policy will continue to apply to you.

Applicability

This Privacy Policy governs the use of the information which you provide to us. It does not govern the manner in which we may use the information we have obtained from any other source, such as information obtained from public record or from another person or entity.

Types of Information

Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:

• Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone, or any other means, and whether either directly from you or from lenders and their affiliates or agents;

• Information about your transaction with us, our affiliated companies, or others; and

• Information we receive from a consumer – reporting agency.

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Use of Information

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We request information from you for our own legitimate business purposes and not for the benefit of any non-affiliated party. Therefore, we will not release your information to nonaffiliated parties, except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as required or permitted by law. We may, however, store such information indefinitely, including the period after which any consumer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investments advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies. Further, we may also provide all of the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom our affiliated companies or we have joint marketing agreements. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages. 

Confidentiality and Security

We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities that need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibility and in accordance with this Privacy Policy. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.​​​