(Protection of the Privacy of Personal Non-Public Information)
At Universal Lending Corporation, our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect maintain and use certain personal and financial information. We recognize and respect your privacy concerns and expectations about this information. We want you to know about our privacy policies and procedures.
Collection and Use of Customer Information:
We collect, retain, and utilize information about you to operate our business and to make products, services, and other opportunities available to you. We obtain information in a variety of ways (for example, directly from you in applications, from your transactions or experiences with us, or our affiliates, and from credit bureaus and other third parties). Also, when you visit our website, we collect information to measure the use of our site and to improve the content of our site.
Categories of Information:
As part of providing you with financial products or services, we collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications or other forms, 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;
· Information about your transactions with us, our affiliates, or others; and
· Information we receive from a consumer reporting agency. This information may include account information and information about your credit worthiness;
· Public Sources. This information may include, but is not limited to, real estate records, employment records, and telephone numbers.
Disclosure of Information:
We do not sell your name and address to third-parties for their independent use. To complete transactions that you have initiated, we may provide information about you to service providers that assist us in providing products, services, and supports. These services include, but are not limited to, lenders, investors, title and escrow companies, and appraisal companies. Our service providers are contractually bound not to utilize shared information for their independent use. Under these agreements, our service providers may receive information about you but they must safeguard this information, and may not use this information for any other purpose.
We may disclose information we have about you as permitted by law. Information is shared with third-parties in accordance with the following guidelines:
· To regulatory authorities and law enforcement officials;
· To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability; or
· To others with your consent.
Occasionally we may send you an e-mail from our marketing department. These e-mails may be informational or contain promotional material, for example, a survey asking how we did, a birthday greeting, interest rate notification, holiday greetings, seasonal cards, or a quarterly newsletter. If you do not want to receive this e-mail, just click on the link at the bottom of the e-mail. From there, you can choose to opt-out of a particular category of e-mails or you can choose to be removed from our list and you will no longer receive any marketing material from us.
A licensed mortgage loan originator may contact you concerning mortgage loan products.
Confidentiality and Security:
At Universal Lending Corporation, we take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain appropriate procedures to protect the security of your information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees receive training and understand the importance of confidentiality and customer privacy.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you may contact us.
Toll free: 1-800-758-4063