American Financial Mortgage Corp. Privacy Notice

This notice is given in accordance with the provisions of the Gramm-Leach-Biley Act, Title V, Subtitle A, (Public Law 106-102) and the Federal Trade Commission regulations set forth in 16 CFR 313 pertaining to Privacy of Consumer Financial Information.

American Financial Mortgage Corp. is committed to keeping Nonpublic Personal Information that we collect confidential and secure. This notice is to inform you of our policies regarding Nonpublic Personal Information.

Federal Law and Regulation define Nonpublic Information as:

(i) Personally identifiable financial information; and

(ii) Any list, description, or other grouping of consumers (and publicly available information pertaining to them) that is derived using any personally identifiable financial information that is not publicly available.

Under Federal Law and Regulations Nonpublic personal Information does not include:

(i) Publicly available information, [except any list, decription, or other grouping of consumers (and publicly available information pertaining to them) that is derived using any personally identifiable financial information that is not publicaly available]; or

(ii) Any list, description, or other grouping of consumers (and publicly available information pertaining to them) that is derived without using any personally identifiable financial information that is not publicly available.

We collect Nonpublic Personal Information about you from the following sources:

-Information we receive from you on applications or other forms;

-Information about your transaction with us, our affiliates, or others; and

-Information we receive from a consumer reporting agency.

We do not disclose any Nonpublic Personal Information about our customers or former customers to anyone, except as permitted by law.

We restrict access to Nonpublic Personal Information about you to our attorneys, lenders, assigns and 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.

 

 

Patriot Act Information Disclosure

Important Information About Application Procedures

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies every customer.

What this means for you:

When you apply for a loan, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

 
 
 
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We at American Financial Mortgage Corporation know that you are concerned about privacy and the security of your personal information. It's our policy to respect the privacy of our customers, and to protect their information. We also want you to know how we use and protect the information we receive from and about you.

We limit the information we collect

We collect only limited "nonpublic personal information". Nonpublic personal information is information about you, which is not available publicly. We gather this information so we can deliver the products and services you request easily and efficiently. This information also helps us design and offer new products and services we believe you will like and use. We feel that the more we understand about you, the better we can serve you. We also collect some information because federal or state law requires it.

We gather this information from a variety of sources and use it in different ways including:

Information we receive directly from you:

* Such as your name, address, e-mail address or telephone number. We use this information to send you information about our products and services, and call or write you about your accounts.

* Identification information such as a social security number or a mother's maiden name. This information helps us identify you as our customer, prevent unauthorized use of accounts or unauthorized disclosure of information, or report to the IRS the amount of interest you paid on your mortgage.

* Financial information such as income, assets or liabilities. We use this information to process applications and to suggest other products and services that help you get the most from your relationship with us.


Information about you from consumer reporting agencies:

Such as credit history and credit scores. We use this information to process loan applications, monitor and collect existing accounts and to make "pre-approved" offers.

We use strict security standards to safeguard your information

American Financial safeguards customer information using various tools such as firewalls, passwords and data encryption. We continually are improving the way we use these tools to meet or exceed industry standards. We also limit access to personal information to protect against its unauthorized use. The only American Financial employees who can see your personal information are those who need it as part of their jobs. These safeguards help us go beyond many federal and state requirements to protect your personal information.