Privacy Policy

What does James Hoglen do with your Personal Information? What is shared?

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 Information
• Account Balances and Payment History
• Credit History and Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice.

Why?

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.

How?

All financial companies must share personal information to run their everyday business. In the section below, we list the reasons James Hoglenmay share their customers’ personal information, the reasons for sharing, and whether you can limit this sharing.

Questions?

James Hoglen is committed to meeting your home-ownership needs, while at the same time making the security of your non-public personal financial information on your home loan documents a priority. We do this through the use of physical, electronic and procedural safeguards.

We have adopted policies and procedures to protect data on your home loan documents from unauthorized use.

We do this by 1) Limiting employee access to sensitive information (our code of conduct policy requires all employees to safeguard customer information) 2) Using data encryption and virus protection technology 3) Internal auditing and 4) Partnering only with service providers that comply with privacy laws.

How Your Loan Application Information is Obtained and Used 

You provide to us your non-public information (name, SSN, employment info, asset info, etc.) on applications and other home loan documents. Your credit history is obtained from a credit reporting agency. Your property information is provided by title companies and licensed appraisers. Your employment and financial data are provided by your employer and financial institutions. We collect this data to determine if you are eligible for the products you requested and to meet legal and regulatory requirements. 

We disclose some of this data to third parties, such as financial institutions, government agencies and loan investors. These service providers are obligated to maintain the confidentiality of your information and not use it for other purposes. 

We do not disclose this information to any third party, except as permitted by law. 

Privacy Policy for Your Online Activities 

At James Hoglen, we believe in the importance in revealing how we collect, use, and protect information about our online guests. We subscribe to a philosophy of ethics, honesty, and mutual respect between all parties involved in any transmission originating from www.jameshoglen.com. 

The following policy has been written to help you understand how your personal information will be used by James Hoglen. Please be assured that we have taken extensive measures and employed advanced technological methods to ensure and safeguard your privacy and security. If you don’t understand this privacy policy or have any questions, concerns, or comments, please give us a call so your concerns can be satisfactorily addressed. Please contact us for additional information on:

• Privacy Issues
• Internet Security
• Consumer Security
• The Collection of Information
• Personal Data
• Technical Data
• Shared Data
• Distribution of Data
• Of Interest to You
• Limited Liability
• External Links
• Change of Privacy Policy 

Internet Security 

The use of our website may require the entry of personal information, such as name, email, address, telephone and fax numbers, and other personal or demographic data. The entry of all personal information is voluntary and will not be shared, given, sold, or otherwise distributed to any other party outside of James Hoglen. All information is sent using Secure Sockets Layer (SSL) technology, which offers a high level of data protection. Your security and confidentiality will be respected at all times. 

Cookies may be used to enable ‘ease of use’ on our website. A ‘cookie’ is a small file that is stored on your computer, which quickly assists the website in identifying your account and personal information. If you prefer not to use cookies, data access and/or website activities may be limited. 

Consumer Security Please be assured that the privacy of your personal data is under strictest guidelines. 

The Collection of Information 

It may be necessary to collect a limited amount of personal data. We may obtain this information through online forms, applications, emails, social networks, telephone, and fax, via verbal, written, or personal communication. 

Personal Data 

Please rest assured that any personal data that is either entered online, given verbally, mailed, emailed, or transmitted through other means is under strict security guidelines. Your acceptance of this agreement constitutes permission by James Hoglen to access, preserve, and disclose your personal information, as necessitated to: 

1. Properly respond to your inquiries
2. Protect the rights, personal safety, and privacy of James Hoglen, its users and the public
3. Comply with legal regulations

Technical Data 

It may be necessary to collect technical data about your computer, such as IP (Internet Protocol) address and/or store cookies (small files saved by your browser on your local hard drive to speed up processing time). 

Shared Data 

Access to your private information is strictly protected and limited to those employees who have a legitimate business need to review specific data in your file. James Hoglencomplies with all federal standards with regards to safeguarding your personal information. 

The Distribution of Information For the purpose of marketing or promotions, we may share all of your personal information, whether provided directly by you, or obtained through our means, with our service providers. 

Of Interest to You 

Unless you instruct us otherwise, James Hoglen may contact you to provide information about products, services, promotions, contests, or other offerings or activities that we believe may be of interest to you. Commonly known as “ezines”, these electronic email newsletters enable the recipient to unsubscribe from future communications, if you so choose. 

Limited Liability 

All transmissions through James Hoglen are processed through a secure gateway, with encrypted translation. As sophisticated technology has advanced over the years, the likelihood of personal or financial data bypassing security systems and becoming accessible to unauthorized users is extremely low. In the unlikely event that personal data is illegally retrieved from our secure system, we assume no responsibility for any damages or liability incurred. 

External Links 

The information within this privacy policy pertains to your visit to www.jameshoglen.com, and James Hoglen not any of its external links, subsidiaries, or affiliates. Please review the separate privacy policies as stated on those individual websites. Once you have left www.jameshoglen.com, this privacy policy is no longer in effect. We are not responsible for content, security, technical, legal, privacy, or any other issues on external links provided in this website. 

Change of Privacy Policy 

 James Hoglen reserves the right to change this privacy policy at any time. Please re-visit this page periodically to ensure full understanding and agreement of privacy policy. Your continued use of this site will constitute acceptance of and binding agreement to the privacy policy as stated on website at time of visit. 

If you have any questions regarding our privacy policy or privacy issues in general, please contact our office at www.jameshoglen.com.