Privacy
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Privacy Notice
What Kinds of Information We Collect
How We Use This Information
Keeping Your Information Private
Privacy Online
Cookies
Privacy Resources & the Major Consumer Data Companies
Other Companies That Collect Consumer Data
What is the Fair Credit Reporting Act (FCRA)?
Fraud Victim Assistance
Privacy Notice
We, at LuxuryHomeLoan.net, recognize the sensitive nature of your personal financial information. We want to protect your privacy at all times. We want you to understand what information we collect about you and how we use this information.
What Kinds of Information We Collect
In serving your needs, it is important to have accurate information about you. Therefore, when you apply for a loan or other accounts, we collect information from you. The type of information requested varies based on the product or service you have requested and may include information such as your name, address, social security number, income, expenses, assets and employment history. We receive this information from you on loan applications or other account forms. If we need to know about your credit history, we also receive information from third parties such as credit reporting agencies or other creditors. In addition, we collect and maintain information about your transactions with our affiliates, others, and us. This information includes account balances, payment history, credit card usage, and parties to transactions. In this policy, we refer to this information as "private information".
How We Use This Information | return to top |
We will not disclose your private information, as described above, to any organization, affiliated or nonaffiliated, unless this disclosure:
- is necessary to effect, administer, or enforce a transaction, service, or inquiry you have initiated. For example, we occasionally enter into agreements with companies whose expertise is necessary to provide the service or product you have requested.
- is necessary to perform marketing services on our behalf, so that we may better understand your financial needs and determine how we can help you meet those needs;
- is necessary to perform joint marketing services for products that might be offered jointly with another financial institution, that we would offer to you directly;
- is necessary to facilitate or consummate our business transactions with third parties,
- is required or permitted by law or regulation.
In these limited cases where information is shared with other companies that perform services on our behalf or for joint marketing purposes, the information provided is limited to the information they need to perform their function. These companies are also required to maintain the security and confidentiality of the information provided and use it only to perform the specified service on our behalf. We do not share information with outside companies for the purpose of selling their products and services, unless it is at your request. Since we do not share information with third parties, beyond what we have disclosed above, it follows that we do not offer you an opportunity to opt out of this sharing.
Keeping Your Information Private | return to top |
We take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your customer information against unauthorized access. We also take appropriate corrective action when needed to enforce employee compliance with our procedures with respect to the privacy of client information. We may also ask you for personal information in order to verify your identity when you request assistance from us. As previously mentioned, if we work with other companies who provide services on our behalf or in the case of jointly offered products, we will maintain contracts with our partners which will require them to comply with our Privacy Policy and to keep this information secure and confidential.
Privacy Online
Our system safeguards include the use of encryption to protect the confidentiality of data that you transmit to us over the Internet. We participate in Verisign's Secure Site program and utilize the Secure Socket Layer Technology (SSL). When you visit one of our websites, we may collect and store information about your visit on an anonymous, aggregate basis. This information may include information such as the time and length of your visit, and the pages you looked at on our site. No confidential information is collected from you online, unless you have provided it to us. We use this information only to measure site activity and to develop ideas for improving our sites.
We strongly urge you to use 128-bit encryption. Your level of encryption can be found for Internet Explorer® by going to www.microsoft.com or in Netscape Communicator® or Navigator® by clicking www.netscape.com. If you are using a browser other than Microsoft's Internet Explorer or Netscape's Communicator or Navigator , please check directly with your browser's software publisher. Although we take all possible precautions to safeguard your information, you should never send confidential information via e-mail. The e-mails you send us are not secure. Customers always have the option of mailing or calling us to provide any information they wish to keep confidential.
Cookies
Cookies are pieces of data assigned by our web server and stored on your computer's hard drive for later retrieval. This helps companies online recognize you the next time you visit their site. We do not currently use tracking cookies or other tracking methods on this site.
You can set your browser to reject cookies or to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions. For instructions on how to accept or reject cookies you may go to:
Netscape Communicator® or Navigator®: at www.netscape.com and go to "Browser Central," or, Internet Explorer®: at www.microsoft.com. Go to the help menu, and click "online support." If you are using a browser other than Microsoft's Internet Explorer or Netscape's Communicator or Navigator , please check directly with your browser's software publisher.
To learn more about the collection of information on the web, or to opt out of data collection on sites that use it, please use the following link:http://www.doubleclick.net/us/corporate/privacy
Privacy Resources & the Major Consumer Data Companies
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To reduce the amount of advertising you receive from other companies, individuals can write to the following agencies:
For advertising received through the mail:
Mail Preference Service
C/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008
For advertising received via the telephone:
Telephone Preference Service
C/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014
Please be sure to include complete information about each name, (first, middle and last name including; Jr., Sr., III), and the address and telephone number you would like excluded from these lists. Also include old addresses and telephone numbers, if individuals have relocated within the last year. The same is true for name changes and the addresses and telephone numbers associated with each name.
National Do Not Call Registry
If you would like to make sure your telephone number(s) are added into the National Do Not Call Registry you may go to their web site: www.donotcall.gov and within 3 months time your phone solicitations should decrease.
Opt-Out of Major Consumer Credit Bureau's Sell of Personal Information
Individuals can also have their name taken off pre-approved credit solicitations, by calling 888-5OPTOUT (888-567-8688) or writing to the following credit reporting agencies. Be sure to include name, (first, middle, and last name including; Jr., Sr., III), current address, (previous address if moved in the last six months), and Social Security number. When calling the 888 number be sure to elect to have the written form sent to you to ask for an indefinite "opt-out"; otherwise you will have to request again by phone in 2 years time.
Experian
www.experian.com
Mail To:
Consumers Opt-out
P.O. Box 919
701 Experian Parkway
Allen, TX 75103-0919
Equifax Inc.
www.equifax.com
Mail To:
Options
P.O. Box 740123
1150 Lake Hearn Dr
Atlanta, GA 30374-0123
Trans Union Corporation
www.transunion.com
Mail To:
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
Innovis
www.innovis.com
Mail To:
Consumer Opt Out
P. O. Box 219297
Houston, TX 77218-9297
Other Companies That Collect Consumer Data | return to top |
LexisNexis
http://www.banko.com/
Mail To:
LexisNexis/Dolan Information
100 South 5th Street, Suite 300
Minneapolis, MN 55402
LexisNexis collects Court Records: Bankruptcy; Death certificates; Tax Liens/Judgments; Evictions
Mail to the above address in order to get a free copy of your consumer data file with your name, address,
Other third-party credit databases include:
Medical Information Bureau
http://www.mib.com
Collects medical data
Opt-out of thier list selling by going to the following link:
http://www.mib.com/html/us_residents.html
Choicepoint, a.k.a. "CLUE"
http://www.choicetrust.com
Insurance Data: credit, driving history, and claims history
The claims, credit and driving record reports are considered consumer reports.
You can order a clue report for $9.00 by calling (866) 527-2600.
And you can get your report online for 12.95 at the links below:
FOR HOMES
FOR AUTOS
Lakeside Information Resources
(Also doing business as Lombard Information Resources)
No website
National Consumer Telecom & Utilities Exchange (NCTUE)
http://www.nctde.com/
Mail To:
National Consumer Telecommunications Data Exchange, Inc
P.O. Box 167688
Irving, TX 75016-7688
Phone: 972-536-0399
Fax: 972-518-2312
Email: alice.haslam@gte.net
Information on what type of data NCTUE collects go to http://www.nctde.com/services.htm
There are others, but most of the other third-party databases are affiliates of the major credit bureaus.
What is the Fair Credit Reporting Act (FCRA)? | return to top |
The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agency" (CRA). You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site - www.ftc.gov. The FCRA gives you specific rights as a consumer. You may have additional rights under state law. You may contact a state or local consumer protection agency or state attorney general to learn those rights.
A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT
- You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you such as denying an application for credit, insurance, or employment, must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.
- You can find out what is in your file. At your request, a CRA must give you the information in your file and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You are also entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars.
- You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise national CRAs, to which it has provided the data of any error.) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA's investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If any item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.
- Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or cannot be verified . If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice must include the name, address, and phone number of the information source.
- You can dispute inaccurate items with the source of that information. If you tell anyone, such as a creditor who reports to a CRA, that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you've notified the source of the error in writing it may not continue to report the information if it is, in fact, an error.
- Outdated information may not be reported. In most cases, a CRA may not report negative information that is more than seven years old; ten years for bankruptcies.
- Access to your file is limited. A CRA may provide information about you only to people with a need recognized by the FCRA usually to consider an application with a creditor, insurer, employer, landlord, or other business.
- Your consent is required for reports that are provided to employers or reports that contain medical information. A CRA may not give out information about you to your employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.
- You may choose to exclude your name from CRA lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll-free number for you to call if you want your name and address removed from future lists. If you call, you must be kept off the lists for two years. If you request, complete and return the CRA form provided for this purpose, you must be taken off the lists indefinitely.
- You may seek damages from violators. If a CRA, a user, or (in some cases) a provider of CRA data, violates the FCRA, you may sue them in state and federal court.
| Your Credit Bureau |
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| CRAs, creditors, and others not listed below | Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 * 202-326-3761 |
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| National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after the bank's name) | Office of the Controller of the Currency Compliance Management, Mail Stop 6-6 Washington, DC 20219 * 800-613-6743 |
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| Federal Reserve System member banks (except national banks and federal branches/agencies of foreign banks) | Federal Reserve Board Division of Consumer & Community Affairs Washington, DC 20551 * 202-452-3693 |
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| Savings associations and federal chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) | Office of Thrift Supervision Consumer Programs Washington, DC 20552 * 800-842-6929 |
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| Federal Credit Unions (words "Federal Credit Union" appear in institution's name) | National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 * 703-518-6360 |
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| State-chartered banks that are not members of the Federal Reserve System | Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs Washington, DC 20429 * 800-934-FDIC |
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| Air, surface, or rail common carriers regulated by former Civil Aeronautics Board of Interstate Commerce Commission | Department of Transportation Office of Financial Management Washington, DC 20590 * 202-366-1306 |
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| Activities subject to the Packers and Stockyards Act, 1921 | Department of Agriculture 1921 Office of Deputy Administrator - GIPSA Washington, DC 20250 * 202-720-7051 |
Fraud Victim Assistance
If you suspect someone is fraudulently using your personal information, following is a list of phone numbers to use and keep for reference during your fraud resolution process.| Government Agencies | ||
| Federal Trade Commission | Phone: | 877-438-4338 |
| U.S. Postal Inspection Service | www.usps.com/postalinspectors | |
| Social Security Administration | Phone: | 800-772-1213 |
| Equifax Credit Information Services | ||
| Consumer Fraud Division | Phone: | 800-525-6285 |
| P.O. Box 105069 Atlanta, GA 30348 |
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| Experian | ||
| Experian's National Consumer Assistance | Phone: | 888-397-3742 |
| P.O. Box 1017 Allen, TX 75013 |
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| TransUnion | ||
| Fraud Victim Assistance Department | Phone: | 800-680-7289 |
| P.O. Box 6790 Fullerton, CA 92834 |
Fax: | 714-447-6034 |
| To report the fraudulent use of your checks | ||
| Check Rite | Phone: | 800-766-2748 |
| Equifax-Telecredit | Phone: | 800-437-5120 |
| NPC | Phone: | 800-526-5380 |
| Tele-Check | Phone: | 800 366-2425 |
| Chex Systems | Phone: | 800-328-5121 |
If you have questions about this privacy policy notice please write to:
Chief Compliance Officer
LuxuryHomeLoan.net
138 East 12300 South #C109
Draper, UT 84020
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