Financial Privacy Notice

Privacy Policy

Rev. 10/19

FACTS

WHAT DOES OWNING DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. 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.

What?

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
Credit history and credit scores
Account balances and payment history

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons OWNING chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does OWNING share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	Yes
For our affiliates' everyday business purposes - information about your creditworthiness	Yes	Yes
For nonaffiliates to market to you	No	We don't share

To limit our sharing

Mail the form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-855-514-6464

Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Apply my choices only to me

Mark any/all you want to limit:

Do not share information about my transactions or experiences with your affiliates for their everyday business purposes.
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Name:

Address:

City, State, Zip:

Loan #:

Mail To:

OWNING
230 Commerce, SUITE 200,
IRVINE, CA 92602
ATTN: COMPLIANCE-PRIVACY OPT-OUT

Who we are

Who is providing this notice?

OWNING

What we do

How does OWNING protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does OWNING collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your contact information
give us your income information or provide employment information
provide your mortgage information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies

Why can't I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account - unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

OWNING doesn't jointly market.

Other important information

CALIFORNIA RESIDENTS - IN ACCORDANCE WITH CALIFORNIA LAW, WE WILL NOT SHARE INFORMATION WE COLLECT ABOUT YOU WITH COMPANIES OUTSIDE OF OUR CORPORATE FAMILY, EXCEPT AS PERMITTED BY LAW, INCLUDING, FOR EXAMPLE, WITH YOUR CONSENT OR TO SERVICE YOUR ACCOUNT. WE WILL LIMIT SHARING AMONG OUR COMPANIES TO THE EXTENT REQUIRED BY CALIFORNIA LAW.

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