Privacy Policy

Your Privacy is Important to Us
USA Home Loans, Inc. ("USA Home Loans") is committed to protecting the privacy of our customers' non-public personal information. Keeping your information secure and assuring that our customers ("you") understand how we collect, use and maintain such information is important to us. We have implemented privacy policies consistent with applicable law and regulatory requirements. We also have adopted policies and procedures de

signed to safeguard the security and confidentiality of your records and non-public personal information, which are consistent with applicable law and regulatory requirements.

This Privacy Statement provides you with basic information relating to the types of non-public personal information we collect, how we use the non-public personal information we collect, how we disclose the non-public personal information we collect, and how we safeguard the non-public personal information we collect.

From time to time, we will update this Privacy Statement to reflect changes in our policies and practices. If you are still a customer of USA Home Loans when that update occurs, you will receive written notification of any significant changes as required by law.

Our Collection of Non-public Personal Information
In order to provide the many services USA Home Loans offers, we will need to obtain and maintain certain of your non-public personal information. We collect non-public personal information about you from the following sources:

   • Information we receive from you on applications or other forms;
   • Information about your transactions with us, our affiliates, or others; and
   • Information we receive from consumer reporting agencies ("credit bureaus").

Examples of information that we may ask you to provide may include (but not be limited to) the following:

   • Name
   • Date of Birth
   • Mailing Address
   • Social Security Number
   • Email Address
   • Employment Information

We may ask you for additional information so that we may confirm your identity. This additional personal information may be necessary to prevent fraud and to ensure that only you have access to your personal financial information.

In order to maintain accurate information about you, we ask that you update your personal information when any changes take place. Please notify us if you change your address, telephone number or e-mail address. You can update your personal information with USA Home Loans by contacting our customer service department at 8725 Loch Raven Blvd. Suite 205, Towson, MD 21286.

The Collection and Use of Anonymous Data
Visitors can log on to our web site to learn about USA Home Loans, our products and services and find out how to contact us without providing any non-public personal information. We reserve the right to collect anonymous information when users access our web site. The type of information that is gathered includes, but is not limited to, the date, time of day, which pages are visited and how much time is spent on the web site. We only collect and use information about our users in the aggregate. The general information we collect enables us to serve our customers better by continually improving our site based on up-to-date usage patterns.

The Use of Cookies
We use standard web-based tracking technologies such as "cookies" and web server logs to collect information about how our site is used. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Cookies do not collect or store personal information, except information you have knowingly provided.

Credit Bureau Reports
USA Home Loans utilizes credit bureau reports in order to evaluate our customers' credit worthiness and to protect our customers from fraudulent conduct. Therefore, we may obtain a credit bureau report about you when you apply for or obtain any financial products and services from us, including the making or servicing of your mortgage loan. This information will only be utilized for such purposes.

The following notice is provided to you pursuant to the Fair Credit Reporting Act: We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Pursuant to this Act, you have the right to ensure that the content of your credit report is accurate. If you believe that we have sent inaccurate information to the credit bureaus, please contact our customer service department at 8725 Loch Raven Blvd. Suite 205, Towson, MD 21286.

Sharing of Personal Information
We do not disclose non-public personal information about our customers or our former customers to anyone, except as permitted by law or as otherwise disclosed in this Privacy Statement.

We may share your non-public personal information with unaffiliated third parties who perform services for us, and with unaffiliated third parties who perform services related to products and services that you already have or request from us. USA Home Loans contractually requires all such third parties to maintain the confidentiality of any non-public personal information.

In order to provide you with access to a full range of products and services, we may share certain of your non-public personal information, including information about our transactions and experiences with you, with our affiliates. An affiliate means any company that controls, is controlled by or is under common control with USA Home Loans.

Further, we may disclose the non-public personal information we collect, in whole or in part, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Promotional Materials That You May Receive
In order to advise you of special offers provided by USA Home Loans or our affiliates, we may send you promotional materials concerning financial products and services.

Information Sharing - Opt Out
Federal law requires that we tell you how we collect, share, and protect personal information about our customers. We are permitted to share information about you to perform services that you have already requested from us and to request products that permit us to provide you with those services. Federal law also gives you the right to limit some, but not all, sharing of your personal information.
Specifically, Federal law allows you to Opt Out or restricts us from sharing information as follows:

About your credit worthiness with our affiliates

To non-affiliates to offer you their products and services

You can limit us from sharing your information, as permitted by law and as described in our Privacy Policy, by informing us that you choose to Opt Out of Information Sharing. If you choose to Opt Out, please contact us at 8725 Loch Raven Blvd. Suite 205, Towson, MD 21286.

USA Home Loans will disclose non-public personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency, to protect against misuse or unauthorized use of our web site. We may also disclose non-public personal information to credit bureaus and similar organizations, and may exchange personal information with reference sources and clearinghouse services for purposes of fraud protection and credit reporting and verification. In addition, we may transfer your non-public personal information in the event of a change of control of our company, or a transfer of the business assets to which your non-public personal information relates.

We are not responsible for the privacy practices of any third parties or their web sites that may differ from this Privacy Statement. We encourage you to review the privacy statement of each and every site that collects information from you in order to be informed of their privacy and security practices.

We will not sell or distribute any non-public personal information about you except in those circumstances listed above.

Security
We restrict access to your non-public personal information to only those authorized employees and agents who have a need to know such information to provide products or services to our customers. We maintain and monitor physical, electronic, and procedural safeguards that comply with applicable law, regulatory requirements and security best practices to guard your non-public personal information.

Contacting Us
If you should have any questions about this Privacy Statement, please contact our customer service department at 8725 Loch Raven Blvd. Suite 205, Towson, MD 21286. Email address: privacy@usahomeloans.net