| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing information. 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 and what we don’t, |
| What? | The types of personal information that we collect, and share depends on the product or service you have with us. This information can include:
|
| How? | All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons in which the financial companies can share their customer’s personal information. The reasons Top Class mortgage chooses to share; and whether you can limit this sharing. |
| Reasons We Can Share Your Personal Information | Does Top Class mortgage 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 | WE DON’T SHARE |
| For our affiliates’ everyday business purposes information about your transactions and experiences | NO | WE DON’T SHARE |
| For our affiliates’ everyday business purposes information about your creditworthiness. | NO | WE DON’T SHARE |
| For nonaffiliates to market to you. | NO | WE DON’T SHARE |
| Who We Are | |
| Who is providing this notice? | Top Class mortgage |
| What We Do | |
| How does Top Class mortgage, 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 Top Class mortgage collect my personal information? | We collect your personal information, for example, when you:
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only:
|
Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Other Important Information |
Top Class mortgage does not sell information about you. We have not provided you an opt-out option because we already restrict our information sharing practices to only those allowed by law. According to principal and agent legal principals, we will share information with your designated agents, including your real estate agent. Please advise us in writing if you do not want information shared with your agents. |
