Annual Privacy Notice
Our Commitment to Protecting Your Privacy
Information We Collect
Some of the information we collect about you is publicly available.
We also collect nonpublic information about you from a variety of sources, including:
- Information you provide to us in connection with your account;
- Information about your account, including balances and payment history; and
- Information we receive from outside sources such as consumer credit reporting agencies.
- Information you provide in connection with an application for loan or other service or product.
The nonpublic information we collect may include your social security number, your income, your credit history and credit score, email address, other contact information and your account balances.
How We Protect Personal Information
Only those employees and agents who need to have access to personal information including a social security to perform their jobs are authorized to use customer personal information. They may need access to personal information to service your account, provide other services and products to you, help you pursue financial objectives and to conduct our business. Our staff is required to maintain and protect the confidentiality of personal information and must follow established procedures to do so. Further, we maintain physical, electronic and procedural safeguards to protect customer information that meet or exceed all federal laws and regulations.
Sharing Information with Our Affiliates
We do not share your personal information (as described above in “Information We Collect”) with our affiliates. Our affiliates are companies controlled or owned by us, or companies that control us or are under common control with us.
Disclosure to Non-Affiliated Third Parties
We may share your personal information (as described above in “Information We Collect”) with companies and individuals not affiliated with us, but under contract to perform services for us or on our behalf (such as vendors providing data processing, due diligence, computer software maintenance and development, transaction processing and/or marketing services).To help us service customer accounts or to offer products and services that may meet customer’s financial needs, we may share your personal information (as described above in “Information We Collect”) about our transactions and experiences with a customer with nonaffiliated financial service institutions with which we have agreements (“Joint Marketing Agreements”) to jointly market financial services or products to you. Our joint marketing partners include mortgage companies and other companies that we believe may help you to improve your credit rating, manage your debts or refinance your loan. We require nonaffiliated companies and nonaffiliated financial service institutions with whom we share your personal information to agree to limit the use of such information to the purposes for which it was provided. You may not limit our disclosure of your personal information to third parties for the above purposes except as otherwise provided by the laws of your state of residence.
Special Notice for California Residents
If you are a resident of the State of California, you are permitted to limit our disclosure of your personal information to nonaffiliated companies with which we have Joint Marketing Agreements (as described above in “Disclosure to Non-affiliated Third Parties”). If you do not want us to share your personal information with such companies, you may “opt out” by: (i) calling us at (888) 504-6700 or (ii) completing and mailing to us a CA Opt Out Notice (This requires Adobe Reader to view).
Special Notice for Vermont Residents
If you are a resident of the State of Vermont, we will not disclose your personal information to nonaffiliated third parties except as described above in “Disclosure to Non-affiliated Third Parties”. We will only provide joint marketing companies with your name, contact information and information about our transactions and experiences with you and will not do so without your affirmative opt-in.
We also may disclose your personal information to others, including nonaffiliated companies and regulatory authorities, as either required or permitted by applicable law. For example, we may disclose personal information to:
- Comply with investigations by regulatory authorities or law enforcement agencies
- Protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liabilities
In the event that our business should be sold or transferred (whether by merger, sale of assets or otherwise), your personal information may be transferred to our successor.
Accessing and Revising Your Personal Information
In order to access certain portions of the Website, you may be required to establish and use User Codes. In doing so, we may ask for certain additional information so that we may confirm your identity. This additional information may be necessary to prevent fraud and to ensure that only you have access to your account information and other nonpublic personal information. We may deny access to your personal information if we believe a customer’s identity is suspect.
Collection and Use of Anonymous Data
You may access the Website to learn about us, our products and services and find out how to contact us without providing any nonpublic personal information. We collect anonymous information about users who access the Website in this way. The type of anonymous information that we gather includes, but is not limited to, the date and time of your visit, which pages of the Website you visit and how much time you spend on the Website. We only collect and use such information about our users in the aggregate. The general information we collect enables us to serve our customers better by continually improving the Website based on up-to-date usage patterns.
We use standard Web-based tracking technologies such as “cookies” and Web server logs to collect information about how the Website is used. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer’s hard drive. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. Acceptance of cookies is not a requirement to use the Website; however, certain areas and features of the Website require your acceptance of cookies in order to work properly. If you choose to accept cookies, we may collect your personal information without your prior permission.
Links to Third Party Websites
Sending E-mail to Us
E-mail sent within the Website is secure. However, e-mail sent to us through other means may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. Do not send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to use via postal mail at Rushmore Loan Management Services LLC, Customer Care Department, PO Box 52708, Irvine, California 92619-2708, or you may call us at the number set forth below.
The Website is directed at adult customers and potential customers. We do not knowingly collect personal information from children through the Website. We encourage parents and legal guardians to monitor their children’s Internet usage and instruct their children to never provider personal information through any website without their permission. If you have reason to believe that a child has provided personal information to us through the Website, please contact us, and we will endeavor to delete that information from our databases.
Other Terms and Conditions
If you have questions or concerns about the security of your personal information or our privacy policies or with to obtain a copy of our Privacy Statement, please contact us at (888) 504-6700.
Effective Date: 07/26/16