PRIVACY POLICY

Home Mortgage Network Privacy Policy for Individuals

This policy is effective as of December 1, 2004.

In this disclosure, you'll find details about our privacy policies and procedures, as well as the opportunity to choose how information about you may be shared. We want you to make an educated choice, so please read this disclosure carefully to understand the options available to you.

  • We do not sell customer information to third parties.
  • We do not share customer information with outside parties who may wish to market their products to you. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.
  • We safeguard your customer information carefully. You have a choice about how your information may be shared and used.
  • We are committed to protecting your customer information in every transaction, at every level of our organization. For this purpose, we have designed procedures, standards and technology, which are described in our policy.

For more than 10 years, the Home Mortgage Network name has been a trusted symbol of service and reliability, and we remain dedicated to those principles today. You can count on us to provide you with the responsive, professional service you deserve, and to protect your privacy and security along the way.

Our Privacy Policy describes how we protect and use your customer information. We believe that protecting your privacy us an integral part of the customer service we provide to you. This is the reason why we do not share customer information with the outside parties who may wish to market their products to you.

How we protect and use customer information

1. We begin by safeguarding the security and integrity of customer information. We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:

  • We limit employee access to customer information to those who have business reason to know this information. Employees are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so.
  • We maintain policies and procedures covering the proper physical security of workplaces and records.
  • Our physical, electronic, and procedural safeguards meet federal standards regarding the protection of customer information.
  • We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
  • We use technological means (such as back up files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.

2. We collect and maintain customer information as part of servicing your account and your customer relationship. In the course of serving you, we collect information about you from a variety of sources, such as:

  • Information you provide to us on application forms, such as your income and accounts with others.
  • Information we receive from an outside company, such as credit bureau, regarding your credit history or employment status.

3. We do not share information with outside parties who may wish to market their products to you. We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including:

  • Companies that perform support services for us, such as data procesors, techincal sysstem consultants and programmers, appraisers, or title companies.
  • There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.

It is important to note that we do not share customer information with other companies for the purpose of marketing their products to you, unless you specifically request in advance that we do so. It is not necessary for you to instruct us not to share information with these outside companies, because we will automatically keep your information confidential.

Some state laws may impose additional restrictions on disclosure of information about customers in those states for certain purposes.