Capital Group recognizes our privacy obligations to you
and is committed that information we keep about you is secure
and confidential. We are required to inform you of:
What “nonpublic personal information” we collect
with whom we share “nonpublic personal information,”
and how we safeguard your information.
How We Collect Your Personal Information
In the course of providing our services to you, we collect
and maintain nonpublic personal information about you that
is provided to us by you or obtained by us from third parties
with your authorization from the following sources:
What you told us during in-person or telephone interviews
about financial products, including your name, address,
telephone and social security numbers; What you filled out
or discussed with our mortgage employees during a mortgage
application process, including your housing information,
salary and employment details, creditors’ names and
addresses, email information for maintaining contact, product
updates and loan information. Information may also be obtained
from one or more Consumer Reporting Agencies if a credit
report is authorized and used for loan and/or financial
verification purposes; Data from any documents, financial
statements, bank records, or employment materials that you
provide to us and from creditors that we contact on your
behalf with your authorization; Data that you enter into
our interactive Internet forms and programs; Information
contained in emails, letters and other written correspondence
from you; and Information that you verbally share with us
on the phone or in person.
With Whom We Share Your Personal Information
For both current and former consumers and/or customers,
we do not share your personal information with anyone else
except (1) as required or permitted by law, or (2) if you
specifically request that we do to further process mortgage
loans and/or financial products. The information shared
with other entities is limited to that which is needed to
process mortgage documents, loans, refinances, or other
offered financial products requested by you. Permitted disclosures
may include providing information in limited circumstances
to unrelated third parties who need to know that information
to assist us in providing services to you.
Upon requesting an application or other mortgage or financial
services product from us, we may share pertinent information
with funding sources for the purposes of securing loans,
other funding, reporting, or other financial verification
purposes. These sources include, but are not limited to,
private banks, lending, or financial services institutions
and may include other government entities or lenders.
We may share certain de-identified or aggregate data that
is based on or derived from your personal information, for
research, reporting or other permitted purposes, including
tracking information obtained from our Internet site to
assess our website’s usefulness. However, all personally
identifiable information about you is removed before any
such aggregate information is shared.
Safeguarding Your Personal Information
We retain records generally for a minimum of three years
relating to the financial services that we provide to you.
We maintain physical, electronic and procedural safeguards
such as: file encryption, password protection, and secure
network transmissions to secure and guard your information.
Physical access to files containing personal information
is restricted and controlled.
To Opt Out
If you do not wish us to share any of your personal information,
you may opt out of having us share such information in the
future. To opt out, please call our Corporate Office at
(877) 877-1477 or write to: Athas Capital Group / 26901
Agoura Rd. Suite 250, Calabasas Hills, CA. 91301.