Federal Privacy Notice
FACTS: WHAT DOES LENOX/WESLEND 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 ● Credit history and credit scores ● Account balances and payment history |
| 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 Lenox/WesLend choose to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Lenox/WesLend share? | Can you limit this sharing? |
| For our everyday business purpose 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 | Yes |
| 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 | Yes |
| 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
- Call (949)-428-5100 –to make your election or
- Email the form to: optout@lenoxhomeloans.com
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?
Call toll-free (888)-905-3669
What we do
How does Lenox/WesLend 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 Lenox/WesLend collect my personal information?
We collect your personal information, for example, when you:
- apply for a loan or give us your income information
- provide account information or provide employment information
- show your driver’s license
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. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choice(s) will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include financial companies with a Lenox Financial Mortgage Corporation name; and financial companies such as Park Plaza Capital Escrow (PPCE) and OTC National , LLC.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Lenox/WesLend does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Lenox/WesLend doesn’t jointly market.
Other important information:
NOTICE TO CALIFORNIA, NEW MEXICO, NORTH DAKOTA & VERMONT RESIDENTS: THE INFORMATION SHARING PRACTICES DESCRIBED ABOVE ARE IN ACCORDANCE WITH FEDERAL LAW. STATE LAW IN CALIFORNIA, NEW MEXICO, NORTH DAKOTA AND VERMONT PLACES ADDITIONAL LIMITS ON SHARING INFORMATION. IN ACCORDANCE WITH THESE LAWS, WE WILL NOT SHARE INFORMATION WE COLLECT EXCEPT:
- AS REQUIRED OR PERMITTED BY LAW (SUCH AS IN RESPONSE TO A SUBPOENA) OR:
- TO COMPANIES THAT PERFORM SERVICES ON OUR BEHALF (SUCH AS BILLING SERVICES) OR:
- WITH YOUR WRITTEN AUTHORIZATION OR CONSENT.
SPECIAL NOTICE FOR NEVADA RESIDENTS: WE ARE PROVIDING YOU THIS NOTICE PURSUANT TO NEVADA LAW. IF YOU PREFER TO NOT RECEIVE MARKETING CALLS FROM US, YOU MAY WRITE TO US AT LENOX FINANCIAL MORTGAGE CORPORATION, 200 E. SANDPOINTE AVENUE, SUITE 800, SANTA ANA, CA 92707, ATTN: COMPLIANCE DEPARTMENT.
FOR MORE INFORMATION CONTACT US AT THE ADDRESS ABOVE, YOU MAY ALSO CONTACT THE NEVADA ATTORNEY GENERAL’S OFFICE: BUREAU OF CONSUMER PROTECTION, OFFICE OF THE NEVADA ATTORNEY GENERAL, 555 E. WASHINGTON ST., SUITE 3900, LAS VEGAS, NV 89101, TELEPHONE NUMBER: 702-486-3132, EMAIL: BCPINFO@AS.STATENV.US.
California Residents: We will not share information we collect about you with other companies unless the law allows. California residents are provided a separate notice with additional choices as required by California law. For California Residents, visit California Privacy Notices.
MAIL IN OPT-OUT FORM
Mark any/all you want to limit:
[ ] Do not use my personal information to market to me.
[ ] Do not share information about my transactions or experiences with your affiliates for their everyday business purposes.
[ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
[ ] Do not allow your affiliates to use my personal information to market to me.
Name: __________________________________________
Address: ________________________________________
City, State, Zip: __________________________________
Loan #: _________________________________________
Mail To:
Lenox Financial Mortgage Corporation
200 E. Sandpointe Ave., Suite 800
Santa Ana, CA 92707