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Privacy Policy

Your Privacy

The Facts
What does Hometown Equity Mortgage, LLC dba theLender do with your personal information?

Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number, income and employment information, credit history and assets, and payment history, account balances and transaction history.

How?
All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons we choose to share; and whether you can limit this sharing.

 

Sharing Your Information

PLEASE NOTE:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To Limit Our Sharing:

1. Download the form below:

a. Customers (Excluding California)
b. California residents

*Do not send this request in with your account payment.

2. Mail to us at:

Hometown Equity Mortgage, LLC dba theLender 25531 Commercentre #110
Lake Forest, CA 92630

You may also fill out, sign, and email this form to us at loanadministration@thelender.com. You may also fax a copy of the completed form to 1-833-381-8733.

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Reasons we can share your personal information

Does theLender share?

Can you limit
this sharing?

01

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

NO

02

For our marketing purposes — to offer our products and services to you

YES

NO

03

For joint marketing with other financial companies

YES

NO

04

For our affiliates’ everyday business purposes — information about your transactions and experiences

YES

YES

05

Reasons we can share your personal information

Does theLender share?

Can you limit
this sharing?

0

For our affiliates’ everyday business purposes — information about your creditworthiness

YES

YES

07

For non-affiliates to market to you

YES

YES

08

For our affiliates to market to you

YES

YES

theLender may disclose certain information to comply with regulatory requirements and legal processes, including court orders, subpoenas, search warrants, or other law enforcement requests.

What We Do

How does theLender protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal law. These measures include computer safeguards and secured files and buildings.

How does theLender collect my personal information?

We collect your personal information, for example, when you:

  • Apply for a loan or provide employment information
  • Pay your bills or pay insurance premiums
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why Can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.


What happens when I limit sharing for an account I hold joint with someone else?

Your choices will apply to everyone on your account.

Definitions

1/ Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.

Hometown Equity Mortgage, LLC dba theLender affiliates include certain financial and non-financial companies with the Hometown Equity Mortgage and theLender names such as insurance companies, a title agency, and a real estate services company.

2/ Non-Affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Non-affiliates we share with can include direct marketing companies and mortgage companies.

3/ Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies such as credit life insurance issuers and home warranty companies.

 

Additional Important State & Other Information

IMPORTANT NOTICE ABOUT CREDIT REPORTING: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

DO NOT CALL POLICY: This Privacy Policy constitutes theLender’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. We do

not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Consumers who ask not to receive telephone solicitations from theLender will be placed on the theLender Do Not Call list and will not be called in any future campaigns. If you communicate with us by telephone, we may monitor or record the call.

REVISION OF PRIVACY DISCLOSURES: theLender may revise this Policy from time to time. All revisions of this Policy will be reflected on this web page, and will be effective upon publication. Your use of this Site is deemed acceptance of the Policy then in effect.

SPECIAL NOTICE FOR RESIDENTS OF CALIFORNIA: Under California law, we will not share information we collect about you with companies outside of theLender unless the law allows. For example, we may share information with your consent, to service your accounts. (California Residents click here).

SPECIAL NOTICE FOR RESIDENTS OF VERMONT: For Vermont Members/Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Additional information concerning our privacy policies can be found at http://www.theLender.com or call 833-381-8733.

SPECIAL NOTICE FOR RESIDENTS OF NEVADA: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 833-381-8733, or by writing to us at 25531 Commercentre #110, Lake Forest CA 92630. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number 702.486.3132; email: BCPINFO@ag.state.nv.us


Google Analytics

We recognize the importance of protecting the privacy of personally-identifying information that may be submitted when you visit Hometown Equity Mortgage. The information we receive depends on what you do when you visit our website. This is how we handle the information we learn about you from your visit to our website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site and to help us make our site more useful.

 

Links To Other Websites

Hometown Equity Mortgage’s website may contain links to other websites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other websites.

Google Ads and Remarketing

Hometown Equity Mortgage takes part in Ads Remarketing and is a Remarketing and Behavioral Targeting service provided by Google. It connects the activity of hometownequitymortgage.com visitors with the Google Ads advertising network and the Doubleclick Cookie.

We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.

You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by visiting the consumer opt-out page for the Self-Regulatory Principles for Online Behavioral Advertising at http://www.aboutads.info/choices/ and edit or opt-out your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/.

We Want to Be Very Clear

We protect and safeguard the privacy of users of our online services, just as we do through the rest our business. We will use personal information to identify and communicate with you and to help us answer your questions.

We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

If you have any questions that are not answered in this section please email us.