The opportunities you deserve, the privacy you expect

TEMONEYTEAM is a trusted member in the Community and has been a trusted leader in home loans for years to come. Our primary focus is on empowering you to meet your homeownership goals by offering a wide range of financial products and services. This section explains how we protect and use your information in a safe, secure and responsible manner.

Your protection is our priority

We strive to safeguard your data. We do this by:

•   Setting policies and procedures for carefully handling your information;
•   Limiting employee access to sensitive information;
•   Protecting against unauthorized access to customer info using data encryption, authentication, and   virus detection technology;
•   Requiring service providers who do business with TEMONEYTEAM to comply with privacy laws;
•   Auditing company security practices;
•   Monitoring our websites through recognized online privacy and   security organizations; and
•   Providing employees with privacy training.

About our websites

Our systems automatically switch to "secure" mode when you are asked to enter personal information on a TEMONEYTEAM website (such as your loan number, account number or Social Security Number). To keep your data safe, we use:

•   Encryption and authentication technology
•   Website design that blocks or limits online display of customer information when not necessary to the transaction
•   IDs and passwords to protect customer information

Benefits of sharing within TEMONEYTEAM

• New Home Loans - TEMONEYTEAM offers new home loans, home equity loans and lines of credit, and many refinancing options.
• Home Loan Servicing - TEMONEYTEAM provides industry-leading customer service and easy access to your home loan account information.
• New Products and Services - We may expand to offer you new products and services by forming, acquiring or merging with a new company.

Benefits of sharing outside TEMONEYTEAM

To make products and services available, often at a savings to you, we may prudently share some customer and former customer non-public personal information with business partners under an agreement requiring the partner to keep the information confidential and only use it for those offers.

How we obtain and use information

• To fund and service your loan, comply with government regulations, improve our products and services, and better understand your financial needs, we collect and maintain customer and former customer data. We collect information:
• You provide us on applications and other forms (such as your phone, Social Security and account numbers, assets, income and employment history);
• About your transactions with us (such as your loan balance, payment history and other account information);
• About your credit history from a credit reporting agency; and
• About you or your property from business partners and service providers (such as a property appraisal, purchase contract or membership number).

We disclose some of this data to third parties (such as credit reporting agencies, regulators and loan investors). We may share some of this information with companies performing services on our behalf (such as the vendor who prepares our monthly statements). These service providers agree to keep the information confidential and not use it for any other purpose.