Privacy Policy

Protection of the Privacy of Personal Non-Public Information

Effective Date: January 1, 2025

Our Commitment

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.

Who Is Covered by This Privacy Policy

We provide our Privacy Policy to customers when they conduct business with our company for:

FHA Loans
VA Loans
Conventional Loans
Reverse Mortgages

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:

Direct Information

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

Transaction Information

Your transactions with us, our affiliates, or others
This information may include your account balances, payment history, and account usage

Credit Information

Consumer reporting agencies
This information may include account information and information about your creditworthiness

Public Information

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:

Required Disclosures

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

Service Providers

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 and investors
Title and escrow companies
Appraisal companies

Marketing Services

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 carry out their functions.

Important: 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.

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.

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)
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.

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, you may contact us with your privacy choices.

Privacy Choices

You may opt out of the following:

Sharing information about you with non-affiliated third parties
Sharing personal information about you with any of our affiliates except as necessary to effect, administer, process, service or enforce a transaction requested or authorized by you
Contact from us with offers for products or services by mail
Contact from us with offers for products or services by telephone

Note for Joint Accounts: Your Opt-Out choices will also apply to other individuals who are joint account holders. If these individuals have separate accounts, your Opt-Out will not apply to those separate accounts.

State-Specific Notices

Vermont

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, to service your accounts or to other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

California

In accordance with California law, we will not share information we collect about you with companies outside of Access Home Lending, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

Updates to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by mail, email, or by posting a notice on our website prior to the change becoming effective.

Contact Us

If you have questions about this Privacy Policy, contact us at:

Email: digital@accesshl.com
Phone: (800) 460-5490