USRES Lending is committed to protecting the privacy of our customers’ nonpublic personal information. This Privacy Statement provides our customers (“you”) with basic information relating to the types of nonpublic personal information we collect, how we use the nonpublic personal information we collect, how we disclose the nonpublic personal information we collect, and how we safeguard the nonpublic personal information we collect. From time to time, we will update this Privacy Statement to reflect changes in our policies and practices.
Our Collection of Nonpublic Personal Information
In order to provide the many services USRES Lending offers, we will need to obtain certain nonpublic personal information. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from consumer reporting agencies (“credit bureaus”)
Credit Bureau Reports
USRES Lending uses credit bureau reports in order to evaluate our customers’ credit worthiness and to protect our customers from fraudulent conduct. Therefore, we may obtain a credit bureau report about you when you apply for or obtain any financial products and services from us, including the making or servicing of your mortgage loan. This report contains information pertaining to your credit history. This information will only be used for such purposes.
In accordance with the Fair Credit Reporting Act, USRES Lending will share information regarding the status of your loan or other accounts with the credit bureaus. Pursuant to this Act, you have the right to ensure that the content of your credit report is accurate. If you believe that we have sent inaccurate information to the credit bureaus.
Sharing of Personal Information
We do not disclose nonpublic personal information about our customers or our former customers to anyone, except as permitted by law or as otherwise disclosed in this Privacy Statement.
In certain circumstances, opportunities with non-affiliated third parties may arise that we believe may be of interest and a benefit to you. We may disclose all of the nonpublic personal information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may share your nonpublic personal information with unaffiliated third parties who perform services for us, and with unaffiliated third parties who perform services related to products and services that you already have or have requested from us.
USRES Lending will disclose nonpublic personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency, to protect against misuse or unauthorized use of our site, to limit our legal liability, to enforce or apply our rights and agreements or as otherwise permitted by law. We may also disclose nonpublic personal information to credit bureaus and similar organizations, and may exchange personal information with reference sources and clearinghouse services for purposes of fraud protection and credit reporting and verification. In addition, we may transfer your nonpublic personal information in the event of a change of control of our company, or a transfer of the business assets to which your nonpublic personal information relates.
We are not responsible for the privacy practices of any third parties or their websites which may differ from this Privacy Statement. We encourage you to review the privacy statement of each and every site that collects information from you in order to be informed of their privacy and security practices.
We will not sell or distribute any nonpublic personal information about you to an unaffiliated third party in any circumstances other than those listed above.
Updating Your Personal Info
In order to maintain accurate information about our customers, we ask that you update your personal information when any changes take place. Please notify us if you change your address.
We restrict access to your nonpublic personal information to only those authorized employees and agents who need to know that information to provide products or services to our customers.
Promotional Materials That You May Receive
In order to advise you of special offers provided by us or our affiliates, we may send our customers promotional materials concerning financial products and services.
Google Analytics Advertising Features
This website has enabled Google Analytics (a website tracking and reporting program) to collect data about website visits using Google advertising cookies and anonymous identifiers. No personally identifiable information is collected nor will anonymously collected data be merged with personally identifiable information. Information is collected using “Remarketing with Google Analytics” and “Google Analytics Demographics and Interest Reporting” features. Data collected will be used to measure website traffic and performance, enhance the website experience, or possibly display relevant advertising to visitors of the website based on visitation or behavior. Website visitors may opt out from advertising features using the Google Analytics Opt-out Browser Add-on located here.