Protecting the privacy of non-public personal and financial information is very important to Essex Mortgage. Essex Mortgage is committed to protecting the privacy of its customers. The purpose of this notice is to provide information about how Essex Mortgage protects and, from time to time, may disclose information obtained during the course of doing business with Essex Mortgage As a customer of Essex Mortgage, you should first read and understand our Privacy Policy. This notice should also be read in conjunction with the Essex Mortgage. Terms of Use. Title V of the Gramm-Leach-Bliley Act (GLBA) requires that Essex Mortgage conspicuously post this Privacy Policy.
Collecting of Personal Information - Based on our relationship with you, we may collect personal information from and about you that is appropriate and relevant under the circumstances. We may collect or verify personal information in the following ways: (1) From loan documents, applications, forms, communications and other interactions, information including name, address, email address, telephone number, Social Security or other identification numbers, income, source of funds and other financial information; (2) From loan history with Essex Mortgage or from our affiliates or prior loan servicers; and (3) From entities outside Essex Mortgage (“nonaffiliated third parties”), information including creditworthiness/credit history and identity. These nonaffiliated third parties may include, but are not limited to, consumer/credit reporting agencies, tax authorities, information available in the public records and insurance companies.
Protecting Information - Essex Mortgage maintains physical, electronic, and procedural safeguards that comply with federal regulations to protect your non-public personal information. Parties, who receive your personal information from us, and our affiliates, may share your non-public personal information with each other as permitted or required by law. Additionally, we may disclose non-public personal information about you to the following types of third parties: Financial service providers, such as insurance companies, mortgage companies, and securities broker or dealers; Non-financial companies, such as consumer reporting agencies. We may also disclose non-public personal information about you to some non-affiliated third parties as permitted by law.
Disclosing Information - Essex Mortgage may, at our discretion, disclose all of the information that we collect, as described above and as permitted by law along with being in accordance with this “Privacy Policy”. Any references to us, we and our, shall refer to Essex Mortgage Any specific or non specific references to you shall mean customers of Essex Mortgage This Privacy Policy explains that some non-public personal information about our customers may be shared on a confidential basis with certain companies, such as those companies that help us process your loan, or those companies that provide financial services. Essex Mortgage will not sell your non-public personal information. We do share a portion of the non-public personal information with our affiliated or non-affiliated service providers among others in order to better serve you. An affiliate refers to a specific company that controls or is controlled by or is a member of the same family of companies with Essex Mortgage We share non-public personal information only with agreed safeguards in place to protect the confidentiality of your information. Essex Mortgage may also be required to make disclosures in connection with a subpoena or similar legal process or a fraud investigation or the recording of trust deeds and mortgages in public records or in an audit or examination or the sale of your account to another financial institution. Essex Mortgage will not disclose any non-public personal information about our customers to anyone, except as permitted or required by law.
Tenets of Privacy Policy - Essex Mortgage is committed to protecting your personal information. Essex Mortgage will use it only to provide you with exceptional customer service along with high-quality products and services. Essex Mortgage does not share any customer information with non-affiliated third-party marketers offering products and services. Essex Mortgage does share a portion of your personal information with our affiliates, but only shares to process or service a transaction or product authorized or requested by you. Essex Mortgage will also share your information with our affiliated or non-affiliated service providers, but must agree with and abide by our privacy standards. They must also agree to maintain the confidentiality of your information. When you apply for any Essex Mortgage product, your personal information is protected with us by using state of the art security technology and by trained personnel who understand our position on protecting information.
HOW YOU CAN HELP
Essex Mortgage is committed to protecting the privacy of customers. You can help us by following these guidelines: (1) Protect your account numbers. And (2), Use extreme caution when giving out your account numbers, social security number, etc., to other persons. If you receive a call from someone who claims to be calling on behalf of Essex Mortgage and they ask for your account number, you should beware that our staff will have access to your information and will not need to ask for it when they contact you.
Essex Mortgage reserves the right to amend its Privacy Policy at any time. If you have any questions about our Privacy Policy, or desire assistance regarding our Privacy Policy, please contact us at:
Essex Mortgage
Attn: Customer Privacy Unit
1100 Town and Country Road, Suite 100
Orange, California 92867
