OUR PRIVACY POLICY
WHAT THIS IS:
This is a
disclosure required by federal law which is intended to tell you (among other
things):
• Where we get information about you (our sources);
• What we do to protect the information we have collected
about you; and
• What our policy is about sharing information about you
with others.
WHO YOU ARE:
This policy
applies to you if you are a customer of ours.
A “customer”
is a natural person (not a corporation) who—for personal, family, or household
purposes—has or recently had a financial product with us, such as a mortgage
loan.
DEFINITIONS:
Here are
other terms we will use in this disclosure:
Information means nonpublic personal information,
a technical term that generally means
(1) Information that can identify you;
(2) that is not available publicly; and
(3) That we collect in connection with providing a financial
product or service to you.
We will use
the word information to mean nonpublic personal information.
Affiliates are
companies that are related to one another by ownership, common ownership, or
control. For example, if one company
owns or controls another company, they are affiliates of each other.
Nonaffiliate means a
company that is not an affiliate of another company, and it also means a person
who is not an employee of a company.
JOINT ACCOUNTS:
If you have
a joint account with us (for example, you are, or you have, a co-borrower on a
loan), you should share this notice with the person who shares your account. He or she may not get a separate notice.
SOURCES FOR INFORMATION:
We collect
information about you from the following sources:
• Information you might provide us on applications and other
forms;
• Information about transactions we might conduct for you;
• Information about transactions you might conduct through
an affiliate of ours;
• Information about your transactions with nonaffiliated
third parties; and
• Information from consumer reporting agencies.
OUR PRIVACY POLICY:
WE DO NOT SHARE INFORMATION ABOUT YOU
WITH ANYONE EXCEPT AS REQUIRED OR PERMITTED BY LAW. This might include disclosures necessary to
service your account, perform joint marketing or prevent unauthorized
transactions.
FORMER CUSTOMERS:
We have the
same policy against disclosing information about former customers as we do about
current customers.
SECURITY:
We restrict
access to the information we have about you to those employees who need to know
that information to provide products or services to you.
We maintain
physical, electronic, and procedural safeguards to guard your nonpublic
personal information. (We are required
to do so by federal regulations.)
CHANGE:
We can
change this policy, but we will tell you in advance if we do, and we will
explain any further rights you might have at that time.
WHO WE ARE:
In this
policy, we means
CRITERION
MORTGAGE, LTD.
18750
Interstate 45
Spring, TX 77373
24170
Highway 281 North