At Optimum Financial our primary focus is on empowering you to meet your
homeownership goals through an unparalleled variety of products
and services. The purpose of this section is to explain how
Optimum protects and uses your personal information when and
after you obtain a loan from us. We want you to know that
information given to us is safe, secure and used in a
responsible manner.
To offer you all the greatest
advantages as an Optimum customer, we find that sharing limited
amounts of your personal information within our Optimum Financial
family and with well-respected, carefully selected business
partners enables us to offer you personalized products and
services at lower costs and/or much greater convenience than otherwise would be possible.
"Your protection is our priority"
Throughout the loan process we collect nonpublic personal
information about you from several sources. Some of these
sources are:
- Information we receive from you on mortgage
loan applications and other forms (such as your phone, social
security and account numbers, assets, income and employment history)
- Information about your transactions with other lending
institutions or creditors (such as your loan balances, payment
histories and other account information)
- Information we receive from third parties
(such as from a credit reporting agency that addresses your
creditworthiness and credit history)
-
Information we obtain from others to verify the information
you have provided to us (such as your employment history and
other relationships with third parties)
- Information collected from our Internet web
sites (such as information you provide to us and information
necessary to manage your online session with us)
Our disclosure of such information:
We do not disclose any nonpublic
information about you to anyone, except as permitted by law or
permitted by you.
Permitted by law:
By way of example, we are legally
permitted to share nonpublic personal information with third
parties, such as credit reporting agencies, federal and state
regulators and loan investors, relative to matters such as
originating, processing, closing or servicing your mortgage
loan, validly issued subpoenas, a fraud or other type of quality
control investigation, an audit or other examination, or the
sale of your mortgage loan to another institution.
Permitted by you:
Further, and to make additional
products and services available to you, often at substantial
savings, we may prudently share some nonpublic personal
information about you with certain business partners under
agreements requiring that such information be kept confidential.
By way of example, we may periodically extend offers to you that
pertain to real estate brokerage services, insurance, credit
cards, home furnishings and accessories, home security systems,
utility hookup service facilitators and the like. With regard to
the sharing of the information, please refer to the paragraph
captioned you have choices below.
If you decide to pay off your
mortgage loan with us, or your relationship becomes inactive, we
will continue to treat the information we have collected about
you in accordance with this Notice.
How we protect that information:
We restrict access to your
personal information to those employees who need to know that
information so that they may provide our mortgage loan products
and services to you. We maintain physical, electronic and
procedural safeguards that comply with federal regulations to
protect the disclosure of your nonpublic personal information.
Key reasons to feel secure with Optimum Financial
- Physical safeguards and quality controls
help ensure the security and confidentiality of our customers'
personal financial information
- Responsible information-sharing within the
Optimum Financial family of companies allows us to save you time and
offer valuable financial products and services
- Well-respected, carefully screened
companies contract to maintain the confidentiality of your
information when offering special benefits, discounts and
conveniences that may otherwise be unavailable
- Choice and control over information use
- Well-trained employees committed to keeping
your personal information secure
For loans to multiple borrowers,
we will treat an opt out by any borrower as applying to all
borrowers on the loan. Please be aware that even if you decide
to opt out, Optimum Financail will continue to share non-public personal
information with companies as required or permitted by law (such
as to credit reporting agencies or regulators).
During the loan application
process, you'll be provided with a privacy notice that includes
a toll-free phone number to call if you decide to exercise
either of the opt out choices. Or, if you have any questions
about our privacy policy, please send an email message to:
Privacy Policy @ Optimum Financial.
In today's ever-changing,
competitive market, opting out may mean missing timely
information about money-saving products and services that help
you accomplish your homeownership or other financial goals. It's
something to think about carefully. We don't want you to miss
out on any opportunities.
You have choices:
We respect your right to privacy
and give you control of how your non-public personal information
may be shared with our business partners. If you wish to receive
offers from our well-respected and carefully screened business
partners, you need do nothing. If you wish to limit the sharing
or such information, please submit a communication in writing.
Your letter should indicate that you do not with to receive
information from our business partners about new services of
special offers for which, as an Optimum Financial customer, you may be
eligible.
Correspondence should be sent to:
Optimum Financial Marketing
8901 East Mountain View Road
Suite 211
Scottsdale,AZ 85258
To insure the accuracy of your
request, please provide your full name(s), address, social
security number and telephone number.
For loans to multiple borrowers,
we will treat a request to limit the sharing of such information
from any one borrower as applying to all borrowers.
Our commitment:
"We will continue to maintain our dedication to protecting your
privacy."
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