- Last Updated: July 25, 2022
At Home Point Financial Corporation (“we,” “us,” or “our”), we want you to know that we are serious about our responsibility to keep your information confidential and secure. This policy explains how we protect, collect and share your information. Please read this carefully to understand what we do. Maintaining your privacy and safeguarding your confidentiality is of extreme importance to us.
Collecting your personal information allows us to assist you with your financial needs. Only our employees who need to have access to your information to perform their jobs are authorized to have access to your personal information.
Scope of Policy
How Do We Collect Information?
We collect your personal information when you voluntarily submit a loan application to us. We may ask you to show your driver's license, provide your employment history, provide us your contact information or give us your wage statements. We may also need information concerning your assets, income, debts and obligations. To process your loan application, we also collect your personal information from others, such as consumer reporting agencies (also called credit bureaus).
Cookie Use / Web-related Information Collection
This website uses web beacons or pixel tags in conjunction with cookies. When you visit a website, the site may place a cookie on your web browser to it can recognize your device in the future. If you return to that site later on, it can reach the cookie to remember you from your last visit and keep track of you over time.
There are two general types of cookies, single session and persistent/multi-session cookies. Single session cookies are temporary, erased when the user quits the session or closes the browser, and help with navigation on the website. Persistent or multi-session cookies remain on your device and record information when you visit websites, are stored on your device unless you manually delete them from a browser folder or until they expire.
Our Do Not Track Policy
Some web browsers have a “Do Not Track” feature. This feature lets you tell websites you visit that you do not want to have your online activity tracked. These features are not yet uniform across browsers. Our sites are not currently set up to respond to those signals.
What Information Do We Gather?
The types of information we collect and share depend on the product or service you have with us. This information can include: your contact information, your social security number, your credit information and your property value.
We may also provide certain information to others when the law requires it, for example when the information is subpoenaed, to prevent fraud or to comply with a request from a government regulator or agency.
We do not sell, rent, or lease our customer lists, customer information, or non-public information. When allowed by you and as permitted by law, there are instances when your personal information may be shared with third parties. These third parties that receive your information may not use or disclose this information except as necessary to perform services for us or on our behalf or to comply with legal requirements. We may share your personal information for our everyday purposes, such as to process your transactions, maintain your account(s), or report to credit bureaus. You cannot limit this sharing.
Federal and state regulations require that we store completed loan applications and information for a certain period of time. We must comply with these regulations and cannot completely delete your information until the requisite amount of time has passed.
How We Protect Your Information
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. We use security measures to protect your personal information and limit disclosure by maintaining physical, electronic and procedural safeguards. These measures include access controls, various computer and systems safeguards and secured files and buildings.
We will only contact you to offer our products and services to you. We also can share your information for joint marketing with other financial companies.
When you are a new customer, we can begin sharing your information 30 days from the date we send this notice. When you are no longer a customer, we continue to share your information as described.
You can limit this sharing by contacting us at any time through the methods listed below.
If you would like to opt out of our marketing and communications, please send an email to firstname.lastname@example.org
California Consumer Privacy Act (CCPA)
If you are a California resident, please review our CCPA Privacy Notice at https://www.homepointfinancial.com/ccpa-privacy-notice.
We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we will post the updated policy on our website and update the policy’s “Last Updated” date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
If you have any question and/or concerns concerning this Policy please contact us at email@example.com.