American Union Financial Services, Inc. (“AUFS”) is committed to protecting the privacy and security of our customers’ personal information. We collect and maintain your information to enable us to complete your loan transaction, conduct our business in a manner consistent with federal and state laws and regulations, provide you with information and offers on products to meet your future needs, and satisfy legal requirements.
This policy governs AUFS’ use of non-public personal customer information. Non-public personal information is defined in applicable law and generally means financial information that is identified with you that is not obtainable from a public source. For example, your credit information is non-public information; i.e. a list of mortgage customers that includes current loan balances would be non-public. Non-public information does not include any list, description, or grouping that is created using only public information.
In conducting our business, we collect and maintain various types of information about our customers. If we are unable to obtain such information from you, we may be prevented from providing you with a service and/or may be compelled to terminate a service that we are currently providing you. The types of information we collect and maintain include:
- Information that we receive directly from you in applications and other forms that you deliver to us, and from our communications with you. This may include information such as your address, telephone number, account numbers, Social Security numbers, assets, income, debt, etc.
- Information we compile from your transactions or experiences with us. This may include information such as your account balances, payment history, etc.
- Information we receive from other sources regarding your employment, credit or other relationship with them or verifying information you have given us. This may include information such as your employment history, loan and/or credit card payment history, loan or credit card balances, your property insurance coverage, appraisals of your residence, etc.
- Information we receive from credit bureaus regarding your credit history and creditworthiness (such as the amount of your total debt, your payment history, etc.).
- Information we obtain from public sources. This may include information contained in federal, state and local records such as recorded liens on your property, real estate taxes and assessments, tax liens, etc.
- When you visit any of our websites, we may collect information to measure the use of our site and to assist us in improving the content of our site; however, we do not collect information about visitors to our websites unless you voluntarily choose to provide it. “Cookies” are necessary for the security of your account and they are small bits of information sent by a website’s server to a user.