Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law 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.
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 and Credit scores
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 The Home Loan Expert, LLC chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Shared?||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 to credit bureaus||Yes||No|
|For our marketing purposes — to offer our products and services to you||No||We Don’t Share|
|For joint marketing with other financial companies||No||We Don’t Share|
|For our affiliates’ everyday business purposes — information about your transactions andexperiences||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||No||We Don’t Share|
|For nonaffiliates to market to you||No||We Don’t Share|
Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
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.
We collect your personal information, for example, when you
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
Your choices will apply to everyone on your account
Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.
• The Home Loan Expert, LLC has no affiliates.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Investors, Credit Agencies
Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• The Home Loan Expert, LLC does not jointly market.
“Under the California Consumer Privacy Act (CCPA), you have a right to request the deletion of personal information that we collect and/or maintain about you. To submit a request to delete personal information, please submit an email request to firstname.lastname@example.org and include “California Request to Delete” in the subject line. Please specify in your request the personal information about you that you would like to have deleted, which can be all of your personal information as permitted and authorized by the CCPA.
You also have the right to submit a request to exercise the right to know, please submit an email request to CCPARTK@thehomeloanexpert.com with “California Request to Know” in the subject line. Please specify in your request the details you would like to know, including any specific pieces of personal information you would like to access.