at DirectCCH.com appreciate the sensitive nature of your non-public
personal information. We will take every precaution to protect
What Kinds of Information We Collect
When you apply for a loan, we ask for information needed to process
your loan. We collect information about your financial status, employment,
income, monthly expenses, assets, your social security number, and
other information. Usually, you give us this information yourself,
either in person or over the telephone. We may also collect information
on applications, forms and documents you provide to us in person,
by mail, overnight delivery service or by other means.
In addition, we receive information from consumer reporting agencies
and other outside sources. This information may be about your credit
status, payment history or your existing mortgage(s). DirectCCH.com may also obtain property tax and insurance information,
and other information concerning your property needed to process your
loan. DirectCCH.com also collects information about your
transactions with us, our affiliates or with others.
Who has Access to this Information?
We restrict access to your non-public personal information
to those employees who need to know the information so DirectCCH.com
can provide you with our commerce services. We maintain physical, electronic
and procedural safeguards that comply with federal
standards to guard your non-public
personal information. For example, DirectCCH.com provides
security measures for buildings, computer facilities and record storage
facilities that contain non-public personal information.
Companies Affiliated with DirectCCH.com:
In the future, DirectCCH.com may expand its family of affiliated
business entities in an effort to provide more diversified services.
DirectCCH.com may, in the future, establish additional business
entities offering additional related services. DirectCCH.com and such
affiliates may share information for authorized purposes (including all
of the information
we collect that is described
in Part One) as permitted by law. If you prefer that we not disclose
such information to our affiliates for such purposes you may opt out
of such disclosures. Information about how to opt out is set forth
in Part Three of this page.
Outside Non-Affiliated Entities:
We sometimes may make limited customer information available to other
carefully selected organizations that we believe can offer you a
helpful service. Available information may include any information
described in Part I. Such organizations may include:
non-financial companies, such as retailers, direct marketers, telemarketing
other companies and organizations, such as non-profit organizations.
These outside marketers must agree to keep your information confidential
and not to share it with anyone else. You may choose not to have your
information disclosed to these companies. Details about how to opt
out of having information disclosed to such companies is set forth
in Part Three of this page.
As Permitted or Required by Law.
Beyond the categories of potential information recipients described
above in this Part Two, we do not disclose non-public personal financial
information about our customers or former customers to anyone except
as permitted by law. For example, DirectCCH.com may disclose
non-public personal information with your consent or when the law requires
us to disclose such information. We also may need to disclose a limited
amount of non-public information to non-affiliated companies necessary
to process, carry out and administer your loan.
A Note about Former Customers' Information.
Although we generally don't solicit customers who we no longer do business
with, we may share their information (described in Part One) with
DirectCCH.com affiliates, joint marketing partners, service
providers and other third parties described in this Part Two. Former
customers have the same opt out privileges as active customers. The
opt out procedures are described in Part Three of this page.
If you opt out of information sharing as an DirectCCH.com
customer, this request will stand even if your relationship with