| At PMZ Home Loans, respecting the privacy and security of your personal information is important to us. We are sensitive to privacy issues concerning our customers and believe it is important that you understand our privacy policies and what they mean to you. |
| Please read this Privacy Notice carefully and completely. It is designed to inform you of the types of information we collect, how we use that information, and the circumstances under which we share it among our affiliates. |
| We consider it our privilege to serve your real estate lending needs and value the trust you have placed in us. |
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
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We, our, and us, when used in this notice, mean PMZ Home Loans
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers: |
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· Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): |
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· Residential mortgage loans |
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| We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms: |
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Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section. |
| An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. |
| A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party." |
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THE INFORMATION WE COLLECT
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| We collect information about you from the following sources: |
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· Information you give us on applications or other forms
· Information about your transactions with us
· Information about your transactions with our affiliates
· Information about your transactions with other parties
· Information from a consumer reporting agency |
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THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION
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| We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. |
YOUR INFORMATION AND OUR AFFILIATES |
| We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information: |
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Transaction and experience information from our account records: |
| Information about your transactions and experience with us, such as: |
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· Name
· Address
· Parties to the transaction
· Phone |
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| Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information. |
| Types Of Affiliates |
| We may disclose information about you to the following types of affiliates: |
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· Businesses offering nonfinancial products or services, such as: |
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| Reasons For Disclosure |
| We may disclose information about you to our affiliates to provide you with information about additional products and services. |
YOUR INFORMATION AND OTHER PARTIES
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| We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions. |
INFORMATION ABOUT FORMER CUSTOMERS
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| We do not disclose information about former customers, except as permitted by law. |
