FACTS
WHAT DOES CLOSINGMARK HOME LOANS, INC. (CMHL) DO WITH YOUR PERSONAL INFORMATION?
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 we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • transaction history 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 the section below, we list the reasons financial companies can share their customers’ personal information; the reasons ClosingMark Home Loans chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does CMHL 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 Yes No
For our affiliates’ everyday business purposes — information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don't share
To limit our sharing Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Who we are
Who is providing this notice? ClosingMark Home Loans, Inc.

What we do
How does CMHL 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 CMHL collect my personal information? We collect your personal information, for example, when you
  • apply for a loan or give us your income information
  • provide employment information or give us your contact information
  • tell us about your investment or retirement portfolio
We also collect your personal information from others, such as credit bureaus, affiliates, 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account—unless you tell us otherwise.

Definitions
Affiliates Companies related by common ownership or control. They can be financial (e.g., mortgage and title insurance companies) and nonfinancial (e.g., home builder companies), such as.
  • übermortgage, Inc. (a wholly owned subsidiary of SPFC)
  • William Lyon Homes
  • William Lyon Mortgage
  • Polygon Mortgage LLC
  • Polygon Homes
  • ClosingMark Title family of companies
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • ClosingMark Home Loans does not share with non-affiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • ClosingMark Home Loans doesn’t jointly market

Other important information
California: Under California law, we will not share information we collect about you with companies outside of ClosingMark Home Loans, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
For Nevada residents only: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number-702.486.3132; email: [email protected]. Phone number: (866) 379-5390