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At AmeriHome Mortgage Company, safeguarding our customers’ personal and financial information is fundamental to the way we do business. In fact, it is one of our highest priorities and remains the cornerstone of our commitment to our customers. We are dedicated to using security measures that comply with applicable federal and state law.
If you are an AmeriHome customer, please see our US Consumer Privacy Notice, which we provide to all our consumer customers for a comprehensive explanation of how we collect, use, and share personal information and your choices for limiting the use and sharing of your information as our customer.
AmeriHome’s Social Security Number (SSN) Policy protects the confidentiality of SSNs, prohibits unlawful disclosure of SSNs, and limits access to SSNs. Our consumer customers can obtain more information by reviewing our US Consumer Privacy Notice.
Effective Date: January 1, 2020
This Policy describes:
If you have any questions regarding this Policy or our information collection and use practices, please contact us using the information in the “Contact Us” section below.
Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.
Transactional Information. We may also create transactional records of each of the transactions or other event occurring through our Website. The transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, marketing, and distribution, (ii) to enable the services provided by third parties (including determinations regarding interest in or qualification for loans or the interest rates to be applied to loans), and (iii) to enable AmeriHome to comply with various legal obligations.
Device and Usage Information. Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website.
Cookies and Other Technologies. Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit. However, if you choose to reject cookies, you will limit the functionality we can provide when you visit our Websites. Google provides some additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we use web beacons in our email marketing to track instances where a user clicks through a link in the email.
Do Not Track signals. You may be using an Internet browser that has the ability to communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, AmeriHome Websites do not respond to any of these signals. AmeriHome may track your activity on these websites and use that information as provided in this Policy.
To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance, and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties.
To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services, and to develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications relating to our Website and Services. Generally, you have the ability to opt out of receiving promotional communications as described below.
To Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we may limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide the services for which we contracted with them.
In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.
To Comply with Laws and Law Enforcement Requests; To Protect of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process, or governmental request, (b) to enforce our agreements, policies, and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of AmeriHome, our users, or the public from harm or illegal activities, (e) to respond to an emergency which we believe in good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third party claims or allegations.
In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
Please also see our US Consumer Privacy Notice for information on how your personal information may be shared.
The accuracy of your information is important to us. You can access and update information that you have provided to us on this Website as follows: