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Privacy Policy Notice of Cambridge Home Capital, LLCAt Cambridge Home Capital, LLC, your privacy is important to us. That is why we work hard to uphold your privacy. The information that you provide us is always kept in the strictest confidence. We have no intention of selling your non-public personal information to any non-affiliated third parties. We make this commitment to you with pride because your trust is the foundation of our business. To protect your privacy and maintain your confidence in us, we have developed the following policies. These policies describe the strict standards we have in place to protect your confidentiality. Therefore, we ask you to please read this information carefully. We will tell you the sources of non-public personal information we collect from you. We will then tell you what steps we take to protect that information. We first define some terms used in this notice: We, our and us mean Cambridge Home Capital, LLC. You and Your mean the following individuals: Those consumers who have provided us with non-public personal information for the purpose of determining whether he or she qualifies for a mortgage loan; and those customers who have obtained real estate settlement services from us. Non-public personal information means personally identifiable financial information about you that we collect in connection with providing a financial product or service to you. This does not include information that is available from public sources, such as government real estate records. Affiliate means a company we own or control, a company that owns or controls us or a company that is owned or controlled by the same company as us. Nonaffiliated third party means a company that is not an affiliate of ours. We do not disclose any non-public personal information about our consumers, customers or former customers to anyone, except as permitted by law. How We Protect Your Information We understand that protecting your nonpublic personal information is of the utmost importance. Guarding your privacy is one of our main concerns. We restrict access to non-public personal information about you to those employees who need to know that information to provide the requested products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information. Changes to this Policy Cambridge Home Capital, LLC reserves the right to make changes to this policy at any time. If you have any questions regarding our privacy policies, please contact us at 1-888-OK-MORTGAGE, or click "Contact Us" to e-mail us directly. Thank you for allowing us to help you with your mortgage needs. Trademarks Cambridge Home Capital, LLC and the Cambridge Home Capital, LLC logo are registered trademarks of Cambridge Home Capital, LLC. Cambridge Home Capital, LLC may also claim trademark and/or service mark rights in other marks you will find on the web site. No Warranty The information and materials contained in this site including text, links or other items are provided "as is" to you without express or implied warranties of any kind including the warranties of salability, non-infringement of intellectual property or fitness for any particular purpose. Cambridge Home Capital, LLC does not warrant the accuracy, completeness or timeliness of the information or materials and expressly disclaims liability for errors or omissions in this information and materials. There is no warranty that any product, service, or other content available on or through this web site will fulfill any of your particular purposes or needs. There is no warranty of freedom from computer viruses given in conjunction with the information and materials provided on this web site. Web Content and Materials The information and materials contained in this web site and the access to and use of such information and materials are subject to change without notice. Your eligibility for particular products and services is subject to final Cambridge Home Capital, LLC determination and acceptance. Limitation of Liability In no event will Cambridge Home Capital, LLC, its affiliates and subsidiaries or third party providers be liable for any damages including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this web site or use thereof or inability to use by any party, or in connection with any failure of performance, error, interruption or system failure, even if Cambridge Home Capital, LLC or its representatives have been advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet sites and resources are at your own risk, and these sites or resources are not investigated or endorsed by Cambridge Home Capital, LLC. Newsletters and Can-Spam Compliance Cambridgehomecapital.com sends only verified opt-in e-mail newsletters, specifically requested by our subscribers. Subscriptions to Cambridgehomecapital.com newsletters are verified by automated software and double-checked by human review. Cambridgehomecapital.com is fully compliant with CAN-SPAM regulations. Cookie Technology "Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your web browser on your computer's hard drive. Cambridge Home Capital, LLC may set and access cookies on your computer to track and store preferential information about you. Cambridge Home Capital, LLC gathers anonymous information about its users through cookie technology on an aggregate level. Such aggregated information is used solely by Cambridge Home Capital, LLC and is not shared with third parties. Links to Other Web Sites Cambridgehomecapital.com may include links to other web sites from time to time. Such links are not an endorsement by Cambridge Home Capital, LLC of these web sites, and/or the products and services offered therein. Third party web sites may have different privacy policies, and Cambridge Home Capital, LLC is not responsible for the privacy practices of those web sites. If you click on a link to a third party web site, we encourage you to check the privacy policy of that web site, as it may differ substantially from that of Cambridge Home Capital, LLC. ##### EQUAL CREDIT OPPORTUNITY ACT & RIGHT TO FINANCIAL PRIVACY ACT The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status. The Federal agency which administers compliance with loans concerning this lender is: Federal Trade Commission Cambridge Home Capital, LLC will not refuse, by reason of sex or marital status, to make a separate mortgage loan to any applicant who is or will be the sole and separate owner of the property. If more than one person, whether or not husband and wife, are or will be the owners, or if the property is or will be community property, then all must apply for and become liable for the loan. Income from alimony, child support or maintenance payments need not be revealed if the applicant does not choose to disclose such income. However, if an applicant is liable for payment of alimony, child support or maintenance, such information must be disclosed. No information need be furnished with respect to a spouse or former spouse who is not an applicant unless the applicant is relying on a community property or alimony, child support or maintenance payments from the spouse or former spouse as a basis for repayment of the loan. If the applicant is relying on such income, then all information relative to "Spouse" in the application must be furnished and the spouse or former spouse must sign an authorization permitting Cambridge Home Capital, LLC to order a credit report on the spouse or former spouse and to verify credit information. If the information furnished in the application does not show an adequate credit standing for the applicant, Cambridge Home Capital, LLC will not be in a position to process the application. Therefore, it is in the interest of the applicant to furnish all pertinent credit information, even though not requested or required.
THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISIONS OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:
IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE TO FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE TO FOUR UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:
DISCLOSURE NOTICES EQUAL CREDIT OPPORTUNITY ACT The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Income which you receive as alimony, child support or separate maintenance, need not be disclosed to this creditor unless you choose to rely on such sources to qualify for the loan. Income from these and other sources, including part-time or temporary employment, will not be discounted by this lender because of your sex or marital status. However, we will consider very carefully the stability and probable continuity of any income you disclose to us. The Federal Agency that administers compliance with this law concerning this creditor is: FEDERAL TRADE COMMISSION |
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