Your Privacy

HomeSaverProgram.org – Privacy Notice

At HomeSaverProgram.org we value the trust you have placed in us, and we are committed to earning and maintaining your confidence. We understand there is certain information you do not want to share with everyone, and, we share your concern about safeguarding the information you provide to us. This is why we have adopted this privacy policy.

Information Collection

This Privacy Policy describes the kinds of information we collect, how we use that information and the limited circumstances under which we will share it.

We collect information about you that we believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products, services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in applications or other forms, or in connection with obtaining financial products and services such as mortgage loans, deposit accounts, and investment products and services, (2) information obtained from a consumer reporting agency, and (3) information about your transactions with us, our affiliates or others.

Maintenance of Accurate Information

We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us at the telephone number on your account statement. If the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Customer Information

Access to our systems containing nonpublic personal information is only provided to those employees and agents whom we determine need it for the purpose of providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information Sharing Within Our Affiliated Family of Companies

There are times when we will share a portion of your nonpublic personal information with our affiliated companies that either currently exist or that we may create or acquire in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. An "affiliated company" or "affiliate" is any member of our family of companies or any company that we own or control.

Financial services providers, such as consumer lending and mortgage banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies, and appraisal firms; and
Others, such as non-profit organizations.

We may disclose all of the information we collect (described in "Information Collection," above) to our affiliates. The types of information we may share with our affiliates include (i) identifying information, such as your name, address and social security number (we call this "Identifying Information"), (ii) information about our experiences and transactions with you, such as your deposit balance, investment history, loan balance and/or payment history (we call this "Experience Information"), and (iii) information about you or the products or services you obtain from us other than Identifying Information or Experience Information, such as information we receive from your applications and information from consumer reporting agencies (we call this "Other Information") as defined in our Privacy Policy in the section entitled 'Information Sharing Within Our Affiliated Family of Companies'.

Information Sharing with Unaffiliated Third Parties

Unlike some other financial institutions, we do not sell customer lists or other information about our customers to unaffiliated third parties. We may share nonpublic personal information about you with unaffiliated third parties as described below. We may also disclose nonpublic personal information about you as permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that we do not offer on our own, but we think will be of interest to our customers. In such cases, Apex Lending, Inc. will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

You will be given the choice of restricting our sharing of certain information with affiliates by following the instructions noted below.

Our Former Customers

Rest assured that even if you are no longer a customer of Apex Lending, Inc., we will continue to treat the information we have with the same level of confidentiality. We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend this Privacy Policy at any time.

Notice regarding rights under State laws: We will also comply with applicable State laws that provide you with greater privacy rights, to the extent not preempted by Federal law.

Notice to Vermont Residents: It is not necessary for you to exercise the privacy choices that follow to protect your privacy rights under applicable State law.

IMPORTANT PRIVACY CHOICES FOR CONSUMERS
We honor our customers' privacy choices. For accounts with multiple customers we will apply an opt out by any account holder to all account holders on the account. You have the right to control whether we share some of your personal information. You also have the right to control how that information is used. Please read the following information carefully.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates and outside companies that we do business with. You also have the right to limit our affiliates from marketing their products and services to you based on information that we share with them. Nothing prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own Or Control (Affiliates): Unless you say "No," we may share personal and financial information about you with our affiliated companies. If you are a California resident, your choice will apply to all information. If you are not a California resident, your choice will apply only to Other Information. For all customers, your choice will limit our affiliates from using any of your personal or financial information to market their products or services to you. If you have a joint account, any party on the account can make this choice. That choice will apply to all parties on the account.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say "No," we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you. Only California residents may make this choice. A choice by someone else will have no effect. If you have a joint account, any party on the account can make this choice. That choice will apply to all parties on the account.

If you have already conveyed your privacy choices, you need not submit them again.

You may make your privacy choice(s) at any time. Your choice(s) will remain unless you state otherwise. But, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services, and our affiliates may use information that we share to market products or services to you.

We will need the following from you:

Name: _____________________________________________________________

Full Account or Policy Number(s), as shown on your statement: ________________________________

Last Four Digits of Social Security Number: _ _ _ _

Signature: __________________________________________________________

Note: Your signature alone does not mean you exercised your choices. You must check the appropriate box(es) above.

To exercise your choices do one of the following:
(1) Fill out, sign and send back this form (you may want to make a copy for your records); or
(2) Fill out, sign and fax this form to us at this number: (619) 270-2541 between 8 a.m. - 5 p.m., Pacific Time, Monday through Friday; or
(3) Call this toll-free number: (800) 590-6973 between 8 a.m. - 5 p.m., Pacific Time, Monday through Friday.