|
Rev. 07/2011
FACTS |
WHAT DOES KAMA'AINA MORTGAGE GROUP,
INC.
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
*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
customers' 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 Kama'aina
Mortgage Group, Inc.
chooses to share, and whether you can limit
this sharing. |
Reasons
we can share your personal information |
Does Kama'aina Mortgage
Group, Inc.
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
|
NOT
APPLICABLE |
For our affiliates' everyday business
purposes--
information about your transactions and
experiences |
NO
|
NOT
APPLICABLE |
For our affiliates' everyday business
purposes --
information about your creditworthiness
|
NO
|
NOT
APPLICABLE |
For nonaffiliates to market to you
|
NO
|
NOT
APPLICABLE |
Questions? |
Call 1-800-447-3386 or go to 1180
Iron Point Road, Suite 200, Folsom, CA 95630 |
Who we are |
|
Who is providing this notice?
|
KAMA'AINA MORTGAGE GROUP, INC. |
What we do |
|
How does
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. |
How does
collect my personal information?
|
We collect your personal information, for
example, when you
*Apply for a loan or permit us to obtain
a credit report
*Make a payment or personally give us
the information
*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 to
market to you
*sharing for nonaffiliates 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 nonfinancial companies.
* Kama'aina Mortgage Group, Inc.
has no affiliated companies with
which nonpublic personal information is shared. |
Nonaffiliates |
Companies not related by common ownership
or control. They can be financial and nonfinancial companies.
* Kama'aina Mortgage Group, Inc.
does not share with nonaffiliates
except as permitted by law. |
Joint marketing |
A formal agreement between nonaffiliated
financial companies that together market financial products or
services to you.
* Kama'aina Mortgage Group, Inc.
does not share customers' information
nor conduct joint marketing using customers' personal
information. |
Other important information |
Kama'aina Mortgage Group, Inc. restricts
access to nonpublic personal information about you to those
employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your
nonpublic personal information. Kama'aina Mortgage Group, Inc. may
disclose information about your accounts and transactions (a) where
it is necessary or helpful to effect, process, or confirm your
transactions; (b) to verify the existence, history or condition of
your account for credit reporting agencies; (c) to comply with legal
processes such as subpoenas and court orders, or to law enforcement
authorities if we believe a crime has been committed; (d) if you
give us your consent to share information. |
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