So Easy Mortgage, Inc.,
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 are disclosing
our policies to help you understand how we handle the personal information
about you that 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
confidentiality 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 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 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 applications 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 carryout 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.
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.
x Please do not share personal information about me with
non-affiliated third-parties.
x 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.
x Please do not contact me
with offers of products or services by mail.
x Please do not contact me
with offers of products or services by telephone.
