MH Services Corporation Privacy Policy
Introduction
We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, and disclose your information when you apply for a mortgage or use our services in the United States.
Our Privacy Pledge
We do not sell customer information.
We share customer information with certain employees and with companies providing financing on our behalf in order to service your needs.
Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
Our privacy policy applies to potential customers as well as current and former customers.
Information We Collect
Personal Information: We collect personal details such as your name, address, Social Security number, employment details, and income to process your mortgage application.
Financial Information: We gather financial data including your bank account details, credit history, and payment history to evaluate your creditworthiness.
Loan Application Data: Information provided during the mortgage application process, such as property details and loan amounts, is collected to assist in your application process.
Cookies and Tracking Technologies: We use cookies and other tracking technologies to collect information about your browsing activity on our website, which helps us improve our services and provide you with a better user experience.
How We Use Your Information
Processing Applications: We use your information to assess your mortgage eligibility and process your loan application.
Communication: Your contact details may be used to communicate with you about your application status, required documentation, and other mortgage-related updates.
Legal Compliance: We may use your information to comply with federal and state laws, regulations, and legal processes, including reporting to the Consumer Financial Protection Bureau (CFPB) and other regulatory bodies.
Marketing and Promotions: With your consent, we may use your contact information to send you promotional materials about related financial products and services.
Sharing of Information
We may share your information with third parties in the following circumstances:
Service Providers: We may share your information with third-party service providers who assist in processing your mortgage application, such as credit bureaus, appraisers, and title companies.
Legal and Regulatory Disclosures: We may disclose your information to comply with legal obligations, respond to legal requests, and protect our rights and interests.
Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
California Consumer Privacy Act (CCPA)
If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy at www.changemtg.com/privacy-policy-california.
California Do Not Track Notice
Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.
Texas Privacy Rights
Under the Texas Privacy Protection Act (TPPA), Texas residents have: Right to Access and Correction: Request access to and correction of your personal data and the Right to Opt-Out: Opt-out of the processing of personal data for targeted advertising.
Compliance with State and Federal Laws
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.
Your Rights
You have certain rights regarding your personal information, including the right to access, correct, or delete your data. You may also opt-out of marketing communications at any time. To exercise these rights, please contact us using the information provided below.
Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, and misuse. However, please note that no data transmission over the internet is entirely secure, and we cannot guarantee the security of your data.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on our website, and we encourage you to review this policy periodically.
** Updated 8/20/2024 **
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at:
MH Services Corporation
1968 S. Coast Hwy Suite 110 Laguna Beach, CA 92651
Phone: 888-732-9099
Email: rod@mhservices.com