Privacy Policy


Our Privacy and Security Policy

Information We Collect About You:
We gather nonpublic personal information about you that we believe is necessary or useful in order to conduct business with you. We may collect nonpublic personal information about you from the following sources:
Information received from you on credit applications or other forms, over the telephone with you, in face-to-face meetings with you, and via the Internet from you. Examples of such information include your personal address, birth date, credit history, employment data, name, social security number, telephone number, and other nonpublic personal financial information. Information received from consumer reporting agencies. Examples include your credit report, credit score, and other data relating to your creditworthiness. Information obtained from outside sources regarding your credit, deposit, employment, and other relationships. Examples of this information include deposit and employment verifications, loan balances, and property insurance coverages.
Information We Disclose About You:
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law and except as described in the following text. We may disclose all of the nonpublic personal information that we collect about you to companies within the Online Home Equity partnerships/affiliates family ***, to third party service providers, to companies that perform marketing services on our behalf, to other financial institutions with whom we have joint marketing agreements, and to others you direct us to share your information with.
Protection Measures We Use To Safeguard Your Nonpublic Personal Information:
We restrict access to your nonpublic personal information to those employees or licensed mortgage independent contractors who need to know that information in order to provide products or services to you. We maintain electronic, physical, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information. We devote considerable resources to the maintenance of secure Internet communications to help ensure that your transactions with us are conducted in a safe environment.
How this Affects You:
This Notice is effective as of July 1, 2006, and applies to products and services provided by Online Home Equity and affiliates that are used primarily for personal, family, and household purposes. We reserve the right to amend (i.e. add to, change, or delete) the terms of this Notice from time-to-time. Information that is not publicly available and that i)a consumer provides to obtain a financial product or service, ii)results from a transaction with a consumer involving a financial product or service, or iii)is obtained about a consumer in connection with providing a financial product or service. *Implemented by Title 16, Part 313 of the Code of Federal Regulations (i.e. 16 CFR 313).

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