Privacy Policy

 

Protection of Personal Non-Public Information

Valley National Mortgage Company LLC respects and protects your privacy. Your privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will have an understanding of how we keep our customer information private and secure while using it to provide exceptional service.

This Privacy Policy Explains the Following:

• Who is covered by our Privacy Policy?
• What information do we collect?
• What information we share, why, and with whom.
• Opting Out – how to instruct us not to share certain information about you or not to contact you?

Summary

This summary tells you the basics of our privacy commitment to you; how we collect and use your information; how we protect it, and who can see it. You should read the entire Privacy Policy below for full details.

• We obtain personal information directly from you; from your transactions with us, and from third parties such as credit bureaus.
• We will not sell your information to third parties.
• Any third parties who perform services for us on your behalf are required to safeguard your information and may only use it in connection with performing services on our behalf.
• We extensively secure and limit access to your information.
• We protect information about potential, current, and former customers.

Who is Covered by this Privacy Policy:

This Privacy Policy applies to current consumers who are at any stage of the loan application process as well as our former customers. If we change our Privacy Policy to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance.

The Information We Collect

Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.

Information We Obtain From You

During the application, or processing or servicing of your loan you may give us Information such as: applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This Information may include your name, address, email address, social security number, driver’s license number, date of birth, employment information, income, and credit references;.

If you give us your email address Valley National Mortgage Company LLC may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any email you receive from us.

Information About Your Transactions

We may collect Information about your transactions and experiences with us and others, such as your account balances, payment history, and account usage.

Information From Third Parties

We may receive Information about you from consumer reporting agencies and credit bureaus. Additionally, we may obtain information from public sources. This information may include real estate records, employment records, telephone numbers, etc.

The Information We Share

Information about you or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your loan file. We use this Information to process, approve and service your loan. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have applied for a loan and or received a loan is safeguarded to the same extent as Information about our current customers.

Following are some examples of how we may disclose Information. These examples are not intended to be all the scenarios by which we may share your Information.

• We must exchange Information about you with our lenders, loan officers, title companies, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your loan.
• We may share Information with persons or organizations that we have determined need the Information to perform a business or professional, function for us. These include businesses that help us with administrative functions. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.

• We may also share your Information for other permitted purposes, including:

• with state regulatory agencies or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities, unauthorized transactions or other liability;
• if ordered by a subpoena, search warrant or other court order;
• in connection with a proposed or actual sale, merger, or transfer of all or a portion of a business, and
• to report account activity to credit bureaus.

• We do not provide non-public information about you to any company to market products or services to you.

 

Confidentiality and Security

We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

Changes to Our Privacy Policy

We may modify our privacy policy from time to time. Each of our customers receives a copy of our Privacy Policy at least once per year. In addition, in the event that we make a significant change to our privacy practices, we will send a revised copy of our Privacy Policy to you and our former customers.

What to Do if You Have Privacy or Security Concerns

If you have a concern about privacy or security at Valley National Mortgage Company LLC please write to us at:

Valley National Mortgage Company LLC
Attn: Privacy Administration
Uptown Tower
4144 N. Central Expressway, Suite 600-18
Dallas TX 75204

Or email us at info@valleynationalmortgage.com

This Privacy Policy applies to the following companies:

• Valley National Mortgage Company LLC
• Braeswood Capital Corporation
• Hammertree Development Company LLC

 

Valley National Mortgage Company LLC may share information about you within our family of companies. We may share all of the categories of information we gather about you, including non-public personally identifiable information, credit reports, application information, your account transactions and experiences with us, and information from other third parties.

By sharing this Information we can better understand your financial needs. We can then send you notification of new products and special promotional offers that you may not otherwise know about. For example, if you originally obtained a mortgage loan with us, we would know that you are a homeowner and may be interested in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a car.

You may prohibit the sharing of application and third-party credit-related information within our company or any third-party company at any time. If you would like to limit disclosures of personal information about you as described in this policy, contact us:

Valley National Mortgage Company LLC
Attn: Privacy Administration
Uptown Tower
4144 North Central Expressway, Suite 600-18
Dallas TX 75204

Or email us at info@valleynationalmortgage.com