Facts: What does NEO Home Loans do with your personal information? We do not collect any personally identifiable information through technologies such as cookies or web beacons on this site. The only information we collect is from visitors who complete an application on this website and only for the purpose of evaluation the application for a mortgage loan.
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 do we collect and share depends upon 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 section below, we list the reasons financial companies can share their customers’ personal information; the reasons NEO Home Loans chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
- For our everyday business purposes – such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Does NEO Home Loans share? Yes. Can you limit this sharing? No.
- For our marketing purposes – to offer our products and services to you. Does NEO Home Loans share? Yes. Can you limit this sharing? No.
- For joint marketing with other financial companies. Does NEO Home Loans share? No. Can you limit this sharing? Not applicable.
- For our affiliates’ everyday business purposes – information about your transactions and experiences. Does NEO Home Loans share? No. Can you limit this sharing? Not applicable.
- For our affiliates’ everyday business purposes – information about your creditworthiness. Does NEO Home Loans share? No. Can you limit this sharing? Not applicable.
- For non-affiliates to market to you. Does NEO Home Loans share? No. Can you limit this sharing? Not applicable
Questions? Call 1-800-447-3386 or write to 1180 Iron Point Drive, Suite 200, Folsom, CA 95630
Who we are and who is providing this notice? NEO Home Loans
How does NEO Home Loans 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 NEO Home Loans 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 that information
We also collect 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 non-affiliates 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 non-financial companies.
Non-Affiliates: Companies not related by common ownership or control. The can be financial and non-financial companies. NEO Home Loans does not share customers’ information nor conduct joint marketing using customers’ personal information.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. NEO Home Loans does not share customers’ information nor conduct joint marketing using customers’ personal information.
Other Important Information: NEO Home Loans 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. NEO Home Loans may disclose information about your accounts and transactions (a) where it s 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.
NEO Home Loans is a registered DBA of Luminate Home Loans, Inc. NMLS# 150953. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: http://www.nmlsconsumeraccess.org. Equal Housing Lender LO Search |