Privacy Policy

1. What Personal Information Do We Collect?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, Social Security Number, or other details to help you with your experience.

We collect information from you when you fill out a form, submit a loan application, subscribe to our newsletter, or enter information on our site. This may include financial information such as income, assets, debts, and employment history necessary to process your mortgage application.

2. When Do We Collect Information?

We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form, use live chat, open a support ticket, or enter information on our site. We may also collect information when you provide it to us in connection with a mortgage application, pre-qualification request, or other financial service inquiry.

3. How Do We Use Your Information?

We may use the information we collect from you in the following ways:

• To personalize your experience and deliver the type of content and product offerings in which you are most interested.
• To improve our website in order to better serve you.
• To allow us to better service you in responding to your customer service requests.
• To administer a contest, promotion, survey, or other site feature.
• To quickly process your transactions.
• To send periodic emails regarding your order or other products and services.
• To follow up with you after correspondence (live chat, email, or phone inquiries).

4. How Do We Protect Your Information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular malware scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential.

All sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order, enters, submits, or accesses their information to maintain the safety of your personal information.

Privacy Officer

Medardo F. Cevallos serves as the Privacy Officer for Home Financial Group and is responsible for overseeing the protection and proper handling of all personal information.

5. Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential.

We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

6. Third Party Links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

7. Children's Online Privacy Protection Act (COPPA)

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

8. EU Requirements / GDPR

Home Financial Group is committed to protecting the privacy of individuals in the European Union (EU) and complying with the General Data Protection Regulation (GDPR) where applicable.

If personal data is transferred from the EU to the United States, we will take appropriate steps to ensure that such data is afforded adequate protections consistent with applicable data transfer requirements. Users in the EU may exercise their rights to access, correct, delete, or restrict the processing of their personal data by contacting us at the information provided below.

9. Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices, should a data breach occur we will notify you via email within 7 business days of becoming aware of the breach.

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

10. CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

• Send information, respond to inquiries, and/or other requests or questions.
• Process orders and to send information and updates pertaining to orders.
• Send you additional information related to your product and/or service.
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CAN-SPAM, we agree to the following:

• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from all correspondence.

11. Customer Complaint Process

Home Financial Group is committed to addressing customer complaints promptly and fairly. All complaints are documented and reviewed thoroughly.

Complaints are forwarded to Medardo F. Cevallos, who serves as the Customer Complaint Officer for Home Financial Group. We will acknowledge receipt of your complaint and provide a response within 30 days.

If you feel that your complaint has not been resolved to your satisfaction, you may contact the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/complaint or call (855) 411-2372.