Privacy Policy

We Are Committed to Safeguarding Customer Information

In order to better serve your needs, we may ask you to provide us with necessary personal information. We understand that you may be concerned about providing such information. Therefore, we have adopted this Privacy Policy to govern the use of your personal information

Applicability

This Privacy Policy governs our use of the information you provide to us.  It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

Types of Information

The types of nonpublic personal information that we may collect include:

• • • • • Information we receive from you on forms and in other communications to us, whether in writing, in person, by telephone or any other means;
        • Information about your transactions with us, our affiliated companies, or;
        • Information we receive from a consumer reporting agency.

Use of Information

We request information from you for our own legitimate business purposes and not for the benefit of any non-affiliated party.  Therefore, we will not release our information to non-affiliated parties except:  (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law.  We may, however, store such information indefinitely, including the period after which any customer relationship has ceased.  Such information may be used for any internal purpose, such as quality control efforts or customer analysis.  We may also provide all the nonpublic personal information listed above to one or more of our affiliated companies.  Affiliated companies may include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, services like appraisal companies, home warranty companies, and escrow companies.  Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.

Former Customers

Even if you are no longer our customer, our Privacy Policy will continue to apply to you.

Confidentiality and Security

We will use our best efforts to ensure that no unauthorized parties have access to any of your information.  We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information in order to provide products or services to you.  We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy.  We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.