Terms Of Use
How We Use Your Non-Public Personal Information and How We Share That Information.
We use your non-public personal information only as permitted by applicable law. We may disclose all of the non-public personal information that we collect about you, as described below. The following summarizes the ways in which HFG uses such information and with whom HFG may share such information:
With Unaffiliated Third Parties. As permitted by law, HFG will sometimes disclose your non-public personal information to companies or entites unaffiliated with HFG. Examples of when this might occur include the following:
Third Party Services. We may disclose your non-public personal information to companies that provide services to HFG, such as data storage and imaging companies as well as Home Mortgage Disclosure Act compilers.
Lenders, Title Companies, Escrow Companies, etc. We may disclose your non-public personal information to other lenders, title companies, escrow companies, and other service providrs necessary to facilitate your loan transaction.
Non-profit Agencies. We may disclose your non-public personal information to non-profit agencies providing homeowners assistance programs if you have applied to participate in such a program in connection with your loan transaction.
Legal Requirements. We may at times be required to disclose your non-public personal information to comply with subpoenas, court orders, and legal reporting requirements.
Written Consent. We may disclose your non-public personal information with your written consent, including when you give someone power of attorney or other authorization to act on your behalf.
Business Transfers. We may disclose your non-public personal information in connection with a proposed or actual sale or transfer of your loan to another company.
Fraud Protection, Etc. We may disclose your non-public personal information to prevent fraud and unauthorized transaction, to resolve customer disputes, and as necessary to HFG’s regulators, attorneys, accountants, and auditors.
Other Purposes. We may also disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. As described in Section 3, below, if you are a Resident of California, you may limit our disclosure of your information with these nonaffiliated financial institutions.
Protecting Personal Customer Information From Unauthorized Access. Safeguarding your non-public personal information is important to HFG. We maintain systems, polices and procedures designed to protect your non-public personal information from being accessed by unauthorized persons. We limit employee access to non-public personal information to those with a legitimate business reason for such access. We train our employees in our privacy policy and procedures, and hold them accountable for adhering to our privacy policy and procedures.
Our Former Customers.
After you are no longer a customer of HFG, we will continue to treat the non-public personal information we have about you as if you were still our customer.
