What Does The Mortgage Hub 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 Information

• Account Balances and Payment History

• Credit History and Credit Scores

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

Reasons we can share your personal information

The Mortgage Hub, 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 are we? Who is providing this notice?

The Mortgage Hub

What We Do 

How does The Mortgage Hub  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. Additionally, we restrict employee access to your information to only those employees who need to know to provide our services to you.

How does The Mortgage Hub   collect my personal information?

We collect your personal information, for example, when you:

• Apply for a loan

• Make a mortgage payment

• Pay fees or use your credit/debit card

• We also collect your personal information from others, such as credit bureaus or other companies.

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 tomarket to you

• Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions:

 

Affiliates

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

  • The Mortgage Hub has no affiliates

Nonaffiliates

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

  • The Mortgage Hub does 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. 

  • The Mortgage Hub doesn’t jointly market.

 

Questions?  Call 888-273-8734 

 At The Mortgage Hub we are committed to meeting your home-ownership needs, while at the same time making the security of your non-public personal financial information on your home loan documents a priority. We do this through the use of physical, electronic and procedural safeguards. 

We have adopted policies and procedures to protect data on your home loan documents from unauthorized use. 

We do this by: Limiting employee access to sensitive information (our code of conduct policy requires all employees to safeguard customer information); The use of data encryption and virus protection technology;

Internal auditing; Partnering only with service providers that comply with privacy laws. 

How Your Loan Application Information is Obtained and Used 

You provide to us, your non-public information (name, SSI #, employment info, asset info, etc.) on applications and other home loan documents. Your credit history is obtained from a credit reporting agency. Your property information is provided by title companies and licensed appraisers. Your employment and financial data are provided by your employer and financial institutions. We collect this data to determine if you are eligible for the products you requested and to meet legal and regulatory requirements. 

We disclose some of this data to third parties, such as financial institutions, government agencies and loan investors. These service providers are obligated to maintain the confidentiality of your information and not use it for other purposes. 

We do not disclose this information to any third party, except as permitted by law. 

Privacy Policy for Your Online Activities 

At The Mortgage Hub, we believe in the importance in revealing how we collect, use, and protect information about our online guests. We subscribe to a philosophy of ethics, honesty, and mutual respect between all parties involved in any transmission originating from www.theMTGhub.com & The Mortgage Hub app. 

The following policy has been written to help you understand how your personal information will be used by The Mortgage Hub. Please be assured that we have taken extensive measures and employed advanced technological methods to ensure and safeguard your privacy and security. If you don’t understand this privacy policy or have any questions, concerns, or comments, please give us a call so your concerns can be satisfactorily addressed. Please contact us for additional information on. 

Privacy Issues 

Internet Security 

Consumer Security 

The Collection of Information 

Personal Data 

Technical Data 

Shared Data 

Distribution of Data 

Of Interest to You 

Limited Liability 

External Links 

Change of Privacy Policy 

Internet Security 

The use of our website may require the entry of personal information, such as name, email, address, telephone and fax numbers, and other personal or demographic data. The entry of all personal information is voluntary and will not be shared, given, sold, or otherwise distributed to any other party outside of The Mortgage Hub. All information is sent using Secure Sockets Layer (SSL) technology, which offers a high level of data protection. Your security and confidentiality will be respected at all times. 

Cookies may be used to enable ‘ease of use’ on our website. A ‘cookie’ is a small file that is stored on your computer, which quickly assists the website in identifying your account and personal information. If you prefer not to use cookies, data access and/or website activities may be limited. 

Consumer Security Please be assured that the privacy of your personal data is under strictest guidelines. 

The Collection of Information 

It may be necessary to collect a limited amount of personal data. We could obtain this information 

through online forms, applications, emails, social networks, telephone, and fax, via verbal, written, or personal communication. 

Personal Data 

Please rest assured that any personal data that is either entered online, given verbally, mailed, emailed, or transmitted through other means is under strict security guidelines. Your acceptance of this agreement constitutes permission by The Mortgage Hub to access, preserve, and disclose your personal information, as necessitated to: 

(i.) Properly respond to your inquiries 

(ii.) Protect the rights, personal safety, and privacy of The Mortgage Hub, its users and the public 

(iii.) Comply with legal regulations 

Technical Data 

It may be necessary to collect technical data about your computer, such as IP (Internet Protocol) address and/or store cookies (small files saved by your browser on your local hard drive to speed up processing time).  

Shared Data 

Access to your private information is strictly protected and limited to those employees who have a legitimate business need to review specific data in your file. The Mortgage Hub complies with all federal standards with regards to safeguarding your personal information. 

The Distribution of Information For the purpose of marketing or promotions, we may share all of your personal information, whether provided directly by you, or obtained through our means, with our service providers. 

 Of Interest to You 

Unless you instruct us otherwise, The Mortgage Hub may contact you to provide information about products, services, promotions, contests, or other offerings or activities that we believe may be of interest to you. Commonly known as “ezines”, these electronic email newsletters enable the recipient to unsubscribe from future communications, if you so choose. 

Limited Liability 

All transmissions through The Mortgage Hub are processed through a secure gateway, with encrypted translation. As sophisticated technology has advanced over the years, the likelihood of personal or financial data bypassing security systems and becoming accessible to unauthorized users is extremely low. In the unlikely event that personal data is illegally retrieved from our secure system, we assume no responsibility for any damages or liability incurred. 

External Links 

The information within this privacy policy pertains to your visit to themortgagehubinc.com, and The Mortgage Hub not any of its external links, subsidiaries, or affiliates. Please review the separate privacy policies as stated on those individual websites. Once you have left themortgagehubinc.com, this privacy policy is no longer in effect. We are not responsible for content, security, technical, legal, privacy, or any other issues on external links provided in this website. 

Change of Privacy Policy 

The Mortgage Hub reserves the right to change this privacy policy at any time. Please re-visit this page periodically to ensure full understanding and agreement of privacy policy. Your continued use of this site will constitute acceptance of and binding agreement to the privacy policy as stated on website at time of visit. 

If you have any questions regarding our privacy policy or privacy issues in general, please contact our office at info@themortgagehubinc.com.