Exclusive Metro Mortgage/Clear2Close recognizes the
sensitive nature of your personal financial information. We are committed
to protecting your privacy. We want you to understand what information we
collect about you and how we use this information. Accordingly, we have
prepared this document, which explains Exclusive Metro Mortgage/Clear2Close's Privacy Policy.
Information We Collect
To accommodate your financing needs, we
must have accurate records about you. Therefore, when you apply for a
loan, we may collect "nonpublic personal information" about you from the
following sources: 1) loan applications or other forms completed by you;
2) records of your transactions with us, our affiliates or others; 3)
reports from consumer reporting agencies; and/or 4) verifications from
employers, landlords, lenders and others.
Parties with Whom We Share
Information
Disclosures
Allowed by Law
We may
retain service providers to perform functions on our behalf, such as,
credit reporting agencies, appraisal companies, title companies, escrow
agents and flood zone certification vendors. We may also utilize the
services of companies that are needed to service loans or sell loans to
other investors, such as, escrow account administrators for the payment of
taxes and insurance and technology companies that provide data processing
services. In order for such companies to perform the required services,
information will be shared with them. The law allows us to provide this
information and you may not opt-out from the disclosure of this
information. In addition to the third parties described above, we may also
share your information with certain nonaffiliated third parties as
permitted by applicable law.
With Non-Affiliated Third
Parties
We reserve the
right to disclose all of the nonpublic personal information about you to
non-affiliated third parties such as financial service providers (i.e.
providers of home equity loans and/or credit lines, insurance agents and
credit card companies), non-financial companies (i.e. direct marketers,
security system installers, and home improvement firms), and others such
as non-profit organizations.
Your "opt-out" Rights
We share information with non-affiliates to
make available products and services to meet your financial and
homeownership needs. If you do not want your information shared with
non-affiliated third parties, you may opt-out of having your personal
information shared by calling 1-888-673-8039. Please ask for the Privacy
Policy Manager.
Policy for Former Customers and
Consumers
Former consumers
and customers have the same "opt-out" privileges identified in this
policy. We will adhere to the privacy policies and "opt-out" privileges
you exercise even after you cease being an active customer.
Our Security Procedure
We take steps to safeguard your
information. We restrict access to your personal and account information
to those employees who need to know that information to perform their job
function. We maintain physical, electronic, and procedural safeguards that
comply with federal standards to guard your information.
How to Obtain More
Information
If you have
questions, concerns or comments about our Privacy Policy, please write to
Exclusive Metro Mortgage, Attn: Privacy Policy Manager,
1775 The Exchange, Suite 540, Atlanta, GA 30339
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