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Recognition
of our clients’ expectation of privacy. We know that your
financial information is personal and we are committed to protecting
your privacy. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard your nonpublic
personal information. We will answer any questions you may have about
the handling of sensitive information regarding your accounts.
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Maintenance of accurate client information.
We have procedures to maintain accurate, current, and complete
information about your relationship with us, and we correct any
inaccuracies promptly. To help us maintain accurate records,
please contact our call center, at 866-693-3300 to report any
incorrect information regarding your name, address or email.
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Limiting employee access to confidential information.
We maintain policies and procedures to ensure that access to your personally identifiable information is limited to employees with a business reason for knowing such information. Our Code of Conduct emphasizes the importance of keeping this information confidential, and we enforce these employee
responsibilities.
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Protection of confidential information.
Homeberger.com has established security procedures to safeguard your personal information from unauthorized access. We regularly review and test our technology to protect the integrity of our security systems. You can help with this process by regularly reviewing your account and loan statements, and by contacting us immediately if you believe that someone has unauthorized access to your information.
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We collect and disclose client information on a limited basis in accordance with the following practices:
Limited collection of client information. We collect only that information which we believe will help us to serve your needs. We collect information about you from the following sources:
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Information we receive from you on applications or on other forms
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Information we receive from a consumer reporting agency
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We may disclose the following kinds of information about you to limited categories of parties (who are described in the next section):
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Information
we receive from you on applications or other forms, such as your name,
address, social security number, assets and income
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Information we receive from a consumer reporting agency, such as your creditworthiness and credit history
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Legally permitted
disclosures. We may disclose the information that we collect to others on a limited basis.
We do not sell or otherwise provide client information to catalogs, direct mail companies, magazines, or other non-financial service providers.
Disclosure of nonpublic personal information about our clients or former clients is permitted under some circumstances, such as to selected credit reporting agencies, when it is legally required (such as in response to a subpoena), and to prevent fraud or to comply with a legally permitted inquiry by a government agency or regulator. We also disclose information when authorized by you, to help complete a transaction you initiated.
We are permitted to disclose client information to outside service companies who we hire to perform business services for us. We provide only that information necessary to perform the job, and we require them to maintain security and confidentiality of the client information provided.
These service companies are not permitted to use any client information for any purpose other than in providing the services we have requested.
We also are permitted to provide information to others under joint marketing arrangements. Under these arrangements, we select other companies to provide products and service that we do not offer, such as credit insurance or credit cards. We provide them with only with the limited information necessary to offer these products to you. We are selective in choosing these companies. They are obligated to keep the information we provide to them confidential, and use the information only to provide the services we have requested.
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Information we share with our affiliates
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Homeberger.com strives to provide a varied array of services at a competitive price and with exceptional client service.
Under the Fair Credit Reporting Act, you may tell us that you do not
want us to share this information by contacting our call center at 866-693-3300 or by notifying us in writing
at: Homeberger.com, P.O. 9477, Ontario, CA
91786, Attn: Online Operations.
Keeping
Up-to-Date with our Privacy Policy. We will provide you with
notice of our privacy policy annually, as long as you maintain a
customer relationship with us. This policy may change from time
to time. You can contact us for a current copy at 866-693-3300.
Supplemental Online Privacy Guidelines
Protecting Information Online
As a current client or as a visitor, any information you provide to us at www.homeberger.com is protected as described below.
Protection of Online Personal Information
When you sign up for online, you must provide personal information
that is necessary in order to process your transactions.
To ensure that your information remains confidential, the information
is sent to us in a "secure PHP session" established with our data
processing services provider. After you submit your online transaction,
it is necessary that you end your online session before leaving your
computer in order to ensure the privacy of your information.
We will keep this online information, and may use it to offer you
products and services, as described in our Client Privacy Statement.
Handling of E-Mail
When you send us an e-mail, we keep your message, your address
and our response in order to handle any follow-up questions, as well
as to satisfy legal and regulatory requirements. We may, from time to
time, contact you at your e-mail address to inform you of products,
services and other benefits we offer.
You should be aware that regular non-encrypted internet e-mail
is not secure.
If we give you a Homeberger.com e-mail address, this
address is provided for inquiries of a non-sensitive and non-confidential
nature. Confidential information will not be sent to you in an e-mail
response. We will contact you by telephone or U.S. mail to provide
information we believe should be kept confidential.
You may also contact us by telephone, U.S. mail, or by visiting our branch
office.
Encryption
When you provide personal information on our web site, the information
is encrypted (scrambled) so that it can be read by
Homeberger.com
but not by others.
Information Gathering and Retention
Some information, such as your e-mail address, is collected and
retained by us in order to perform services for you as requested.
If you browse our web site without providing that information, personal information such as your e-mail address is not collected.
We gather and analyze data regarding usage of our web site, including
number of "hits", pages visited, etc., to evaluate the effectiveness of
our web site and to improve our services.
Access to Web Site by Children
The responsibility to protect a child’s identity and privacy is one that
is shared by the online provider and the child’s parents.
Please be aware that
Homeberger.com does not intentionally market to
children, nor does it intentionally solicit data from children.
Caution Against "Spoofers"
"Spoofing" is the term used to describe the creation of a close-to-identical
image of
Homeberger.com web site in order to lure our clients to the
phony site and capture their confidential information.
For example, the fraudulent site could be reached by a link containing
a slight misspelling of our address (such as
homberger.com).
You can make sure that you are not a victim of "spoofing" by carefully
reviewing the site when you arrive there to ensure that the address does
in fact say
www.homeberger.com.
Changes
Our Client Privacy Statement may change from time to time, so please
check
www.homeberger.com or your local branch office of
Homeberger.com for the most up-to-date information.
Thank you for
doing business with us.
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