OneTrust Home Loans 1 (the “Company”) understands the importance of our customers’ privacy and therefore created this Privacy Policy to protect your personal information. This Privacy Policy covers the handling of any personal information we collect. There are also federal and state laws to protect the privacy of personal information.
WHY INFORMATION IS COLLECTED?
Financial companies choose how they share your personal information. Federal law and state law, as applicable, give consumers the right to limit some but not all sharing. Federal law and state law, as applicable, 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 INFORMATION IS COLLECTED?
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, Credit history, Account balances, Credit scores, Payment history, and Employment information. When you are no longer our customer, we continue to share your information as described in this notice.
HOW YOUR INFORMATION IS USED
All financial companies need to share Customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers personal information; the reasons OneTrust Home Loans chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does OneTrust Home Loans Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report ot credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We Don’t Share |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | No | We Don’t Share |
| For our affiliates’ everyday business purposes — information about your creditworthiness | No | We Don’t Share |
| For our affiliates’ to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We Don’t Share |
TO LIMIT OUR SHARING
If you are a customer or former customer of OneTrust Home Loans and you wish to limit our sharing of your information for our affiliates to market to you, complete the form opens in a new windowhere.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we send you a privacy notice under applicable law. When you are no longer our customer, we continue to share your information as described in this policy and the applicable notice. However, you can contact us at any time to limit our sharing.
QUESTIONS?
Call 888-488-3807 or go to: https://onetrusthomeloans.com/
HOW ONETRUST HOME LOANS PROTECTS YOUR INFORMATION.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
HOW DOES ONETRUST HOME LOANS COLLECT MY PERSONAL INFORMATION?
We collect your personal information, for example, when you
- Apply for a loan
- Pay your bills
- Show your government issued ID
- Use your credit or debit card
- Deposit Money
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 the sharing of information for affiliates’ everyday business purposes (i.e., information about your creditworthiness), to limit affiliates from using your information to market to you, and to limit sharing your information for nonaffiliates to market to you. State 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 JOINTLY WITH SOMEONE ELSE?
Your choices will apply to everyone on your account.
DEFINITIONS
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.•Our affiliates include financial companies engaged in the business of originating and servicing consumer mortgage loans, offering insurance products, and other related activities. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.•OneTrust Home Loans does not share with nonaffiliates so they can market to you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products and services to you.•OneTrust Home Loans does not jointly market. |
YOUR CALIFORNIA PRIVACY RIGHTS
For more information about your California Privacy rights, please visit our Privacy Notice For California Residents opens in a new windowhere.
– For California Residents: California residents are provided a separate notice Privacy Notice with additional choices as required by California law.
RIGHTS UNDER OTHER STATE LAWS
– For Nevada Residents: We are providing this notice under Nevada law (Nev. Rev. Stat. § 228.600(3)). You may be placed on our Internal Do Not Call list by contacting us via the information set forth at the end of this Policy. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: [email protected]
– For Vermont Residents: 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.
THIRD-PARTY SITES
The Company’s website may occasionally contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site, they should read the privacy statements of any other site that collects personally identifiable information.
COOKIES
OneTrust Home Loans and our third-party service providers may use cookies and similar technologies to support the operation of OneTrust Home Loans’ websites. Cookies are small amounts of data that a website exchanges with a web browser or application on a visitor’s computer or mobile device. Cookies help us to collect information about visitors to OneTrust Home Loans’ websites, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site.
OneTrust Home Loans also uses targeting cookies. These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.
The third-party vendors, including Google, whose services we use, will place cookies on web browsers in order to serve ads based on past visits to our website. Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website. This allows us to make special offers and continue to market our services to those who have shown interest in our service.
You can refuse or delete cookies. Most browsers and mobile devices offer their own settings to manage cookies. If you refuse a cookie when on an OneTrust Home Loans website, or if you delete cookies, you may experience some inconvenience in your use of our websites. For example, you may not be able to sign in and access your account, or we may not be able to recognize you, your device, or your online preferences.
CONNECTING WITH ONETRUST HOME LOANS ON SOCIAL MEDIA SITES
OneTrust Home Loans provides experiences on a variety of social media platforms that enable online sharing and collaboration among users who have registered to use them. We may collect information you provide by interacting with us via social media, such as photographs, opinions, or Twitter handle. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms is considered public information and is subject to the terms of use and privacy policies of those platforms. Please refer to each social media platform to better understand your rights and obligations with regard to such content.
CONTESTS AND SURVEYS
From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences, or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules, and we will identify how the information that you supply will be used in each case.
CHANGES TO THIS PRIVACY POLICY
The Company reserves the right to amend this policy at any time as deemed necessary. To ensure you are updated with changes, please continue to visit this privacy page regularly.
OneTrust Home Loans is a registered DBA for CalCon Mutual Mortgage LLC, a Delaware LLC (NMLS #46375) headquartered at 3131 Camino Del Rio North, Suite 1680, San Diego, CA 92108 (phone: 888-488-3807). The OneTrust name has been registered in most states where CalCon operates. In those states where OneTrust is not registered, then we operate as CalCon except in for South Carolina where CalCon operates under the registered trade name or either OneTrust Home Loans or the Tabor Mortgage Group.
