Privacy Policy

This Privacy Policy describes the personally identifiable information that TILA Mortgage Corporation (“TILA,” “we,” or “us”) collects through our loan process and describes our use of that information.

 

WHAT DOES TILA MORTGAGE CORPORATION DO WITH YOUR PERSONAL INFORMATION?

 

WHY

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.

WHAT

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 income
  • Credit history and Credit scores
  • Employment information and Mortgage rates and payments

When you are no longer our customer, we continue to share your information as described in this notice.

HOW

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 TILA Mortgage chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Do we share?

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 Yes No
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences No We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share
For non-affiliates to market to you No We don’t share

 

Who we are

 

Who is providing this notice?

 

 

TILA Mortgage

What we do

 

How does TILA Mortgage protect my personal information?

 

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 restrict access to your information to those who have a legitimate business purpose, and we train employees on data security and confidentiality.

 

 

How does American Pacific Mortgage Corporation collect my personal information?

 

We collect your personal information, for example, when you

  • Apply for a loan
  • Give us your income information or give us your contact information
  • Provide employment information and/or employment history
  • Show your government issued-ID and/or driver’s license

We also collect your personal information from other companies, such as credit bureaus, during the loan application process.

 

 

Why can’t I limit all sharing?

 

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes— information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

Definitions

 

Affiliates

 

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • We have no affiliates
 

Non-Affiliates

 

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • We do not share with non-affiliates so they can market to you
 

Joint Marketing

 

 

 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • We do not jointly market

Other Important Information

 

Important notice about credit reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

 

 

Questions? Call 206-766-8888