At Allied Home Mortgage Capital Corp. (AHMCC), your personal privacy and the security of your personal information are our primary concern. Brokering mortgage loans involves communicating personal and financial information, and we understand the need for a safe and secure environment in which to share this information. AHMCC believes that you should be aware of who we are, the types of information we may collect in our offices, on our Web site or through personal, telephone, electronic mail or facsimile, what we do with your personal information and your options with regard to what we do with this information. This policy is provided to you as required by the Federal Financial Privacy Law (15 U.S.C. §§ 6801-6810).

Information we collect When you complete a qualification form or loan application at an AHMCC Web sites or an AHMCC office, you will be asked to provide us with certain personal and financial information about you including your name, phone number, social security number, electronic mail address, income and other financial information depending on your expressed loan preference. In the course of providing services to you, we may also collect credit information from the three national credit-reporting agencies (Experian, Equifax, and Trans Union), property value information from accredited appraisal companies, automated valuation systems or public tax records. We may also contact employers, financial institutions and trades people to verify the information you provided.

If you fill out a customer survey form, you may be asked to provide certain identifying information including your name, email address and phone number. If you provide this information as part of the survey, it will not be sold or shared with any person or organization unless you specifically authorize us to do so. However, authorized AHMCC employees may use your email address or telephone number to contact you concerning your comments, questions or complaints.

If you use AHMCC's service through another organization's Web site with whom AHMCC has a marketing agreement, AHMCC has attempted to ensure that organization will not sell or share your information, including requiring that all of AHMCC's transactions take place on AHMCC's servers. Please see our security section for more information on how we protect the integrity of your information.

Who are we? AHMCC is a national mortgage broker that seeks to provide residential mortgage loans to its consumers. AHMCC's network of branches are located throughout the United States. Our services are also offered on our network of Web sites. AHMCC is a mortgage loan originator and is licensed or exempt as a mortgage broker in most states and territories. Refer back to the Web site in your local area for specific details. State License information is available for each office via a link at the bottom of each Web page.

How we handle your information The nonpublic personal information that you provide to us is sent through the AHMCC system and processed by our employees, authorized vendors or contract personnel. As our vendors may keep and use your information, we recommend that you contact them directly for more information about their specific privacy policies.

Use and distribution AHMCC's use of your information. We use the information we collect to evaluate your needs and financial capability in order to determine what, if any, mortgage loan product we can provide. In addition, AHMCC may notify you about special offers from our promotional partners. These offers may be communicated to you through newsletters, flyers or electronic mail messages. At your request, AHMCC will not send you any information or offers unrelated to your request for financing. If you do not wish to receive any of these offers, please visit our Remove from List Web page where you can remove yourself from our mailing lists.

Unaffiliated third party's use of your information. We do not reveal your name, address or any other identifying information to unaffiliated third parties unless you affirmatively respond to one of the promotional offers described above. AHMCC may also share certain aggregated information with third parties for general marketing and demographic purposes; however, this data DOES NOT include any of your personal identifying information.

Use by third-parties under joint marketing agreements. As permitted by law, we may share your nonpublic personal information with third parties with whom we have entered into joint marketing agreements, with parties contracted to provide services on our behalf, or with other third parties as permitted or required by law (See 15 U.S.C. § 6802(b)(2)), such as those listed below. Affiliates, as well as nonaffiliated third parties who perform services for or functions on behalf of AHMCC, are provided that information, which we believe, is appropriate for their specific offer or function and are contractually obligated to protect that information.

These parties may include:
• Selected administrative units within and outside of AHMCC that provide specific servicing of your accounts.
• Financial services providers with whom we share information to keep you informed about products and services for which you may be eligible, and which we believe will be of value and interest to you.
• Parties who may offer specific products and services under a joint marketing agreement.
• Others as permitted or required by law, such as credit bureaus, government entities in response to subpoenas and other legal processes, and those with whom you have directed us to share information.

No liability for information collected by third-parties. This policy only addresses the use and dissemination of information that we collect from you. To the extent that you disclose any information to other parties, through other Web sites on the Internet linked to this site, different policies may apply. Since we do not control the privacy policies of third parties, you are subject to the privacy customs and policies, if any, of that third party, and we shall not be responsible for the use or dissemination of your personal information by that third party. Therefore, we encourage you to ask questions before you disclose your personal information to others.

Distribution of information to credit repair companies. If you are denied credit for any reason, we may share your nonpublic personal information with third parties engaged in the business of credit repair. In such cases, we may receive a fee from such third parties. If you prefer that we not provide your information to such third parties, you may notify us of your decision by completing the form here.

You have a choice about information sharing. If you prefer that we not share your nonpublic personal information (except in those circumstances, described above, that are permitted or required by law), you may "opt out," that is, you may direct us not to share this information, by calling us toll-free at 800-520-0057. You may provide these instructions to us at any time.

When you contact us, you will be requested to provide identifying customer information at that time, including your social security number. Choosing to "opt out" of this information sharing may limit opportunities for you to receive product and service information that may interest you.

Security This site has security measures in place to protect the loss, misuse and alteration of the information under our control. The security of your nonpublic personal information is our first priority at AHMCC. We have taken extraordinary measures to make sure that only authorized people see the nonpublic personal information you send to us.

Secure Web Pages
All of the pages on our Web site that ask for your personal and financial information are delivered to your browser through HTTPS, a secure mode of communication. You can check this encryption by checking for the key (Netscape) or lock (Internet Explorer) icon on your browser.

Encryption
When you send your personal and financial information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to intercept and read your personal information. When you send your information to us, SSL encrypts it (translates the data into a string of gibberish characters). Only we can decode the encryption.

Firewall Protection
Your financial information is not kept on AHMCC's Web server, but on a different computer that is separated from the Internet. Even in the unlikely event that AHMCC's Web site is "hacked," your data will still remain securely out of reach.

Password Protection
To retrieve information about your loan status, you are required to enter both a password and at least one other piece of identification information.

Deleting your information. Federal and state regulations require that we store completed loan requests for various periods of time. In order to comply with these regulations, we cannot delete information from our databases, even for qualification forms that are withdrawn. We store all of the information you might provide securely.

AHMCC may change its policy from time to time and, when it does, the nonpublic personal information that you provide will be subject to the then-current policy. You can review our current policy at any time on this Web page.

If you have questions or concerns regarding this privacy policy, you should first contact the AHMCC site coordinator at our Customer Service Department at 713-353-0400.

This notice applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes.

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