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Privacy Statement


ADDITIONAL INFORMATION REGARDING MAINTAINING THE PRIVACY OF YOUR PERSONAL INFORMATION

Actions We Take To Protect Your Personal Information

Actions You Can Take To Protect Your Personal Information

ACTIONS WE TAKE TO PROTECT YOUR PERSONAL INFORMATION

How We Protect Information About You
  • We train our employees to protect information about our customers.
  • We continually enhance our security tools and processes.
  • We protect customer data and accounts by asking you for information that only you should know when you contact us. We follow these and other procedures on the phone and via the Internet.
How We Protect Your Privacy Online

Protecting information about our customers online is an essential part of our service to you.

  • Our systems use technologies such as firewalls (which are designed to protect systems from intrusion) and encryption (scrambling of information).
  • We validate your identity through confidential access codes before we allow online access to your accounts.
How We Manage Information to Serve Your Needs

We select very carefully the companies that provide services on our behalf. Also, we only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others. You may receive information regarding available products and services as an insert with your usual account mailings and statements because we prefer that we retain the confidentiality of your personal information rather than sharing it with another company to market directly to you.

Please note that we are committed to providing you with superior service. Occasionally, we may contact you to resolve a problem or to service your accounts even if you have asked us not to contact you by telephone, mail or e-mail for marketing purposes. For example, if we find that an unauthorized person is attempting to obtain information about your account, we will refuse to provide such information. We may contact you thereafter to advise you of the occurrence and of the process by which you can provide authorization for someone to become an Authorized Representative on your account.

We Strive to Maintain Accurate Information

We strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We are committed to resolving any inaccuracies as quickly as possible.

Credit Reporting Agencies
 If you believe we have reported inaccurate information about your account to any credit reporting agency, please let us know in writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. Send your notice to: HomEq Servicing; Attn: Account Research Department—CA 3345; 4837 Watt Avenue; North Highlands, CA 95660. We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.

If You Have Questions, Contact Us

We welcome the opportunity to answer any questions you may have about this statement or the safeguarding and confidentiality of information about our customers. Please visit our Web site at homeq.com/privacy.jsp or call us at 877-867-7378 to speak to a representative

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ACTIONS YOU CAN TAKE TO PROTECT YOUR PERSONAL INFORMATION

How You Can Help Protect Your Privacy
  • Do not share your account information, passwords, user ID’s, or other confidential information with others
  • Do not provide confidential information by telephone to unknown callers.
  • Do not provide confidential information online unless you initiated the contact, know the party with whom you are dealing, and provide the information through a secure channel.
  • When conducting business over the Internet, always use a secure browser, exit online applications as soon as you finish using them, and make sure you have virus protection and a firewall and update them regularly.
  • Protect and properly dispose of your account records.
  • If you believe you are a victim of fraud or identity theft, please contact us at 877-867-7378 for assistance.

Identity Theft Assistance

Monitoring your credit for accuracy is an important step to take in protecting yourself from fraud and identity theft. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call 877-322-8228.

If you believe you may be a victim of identity theft:

  1. Contact HomEq Customer Service at 877-867-7378, Monday through Friday, 5:30am – 5:30pm, PT.
  2. Contact the Social Security Administration’s Fraud Hotline at 800-269-0271 to report fraudulent use of your identification information.
  3. Report the incident as quickly as possible to any one of the credit reporting agencies:

    Experian (888) 397-3742
    Equifax (800) 525-6285
    Trans Union (800) 680-7289

    You should review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.

  4. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
  5. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC’s Identity Theft Hotline: 877-IDTHEFT.

In addition, the HomEq Servicing Identity Theft Information Packet for Customers provides you with the information you need to help protect yourself from fraud and identity theft as well as information about what you should do if it happens to you. Included in the packet is a link to obtain an affidavit for your claim.

How to Limit Direct Marketing from Other Companies

To limit the instances in which credit reporting agencies share your information with companies wishing to offer you pre-approved credit solicitations, you can call 888-567-8688 (the Credit Reporting Industry Pre-screening Opt Out Number) or visit optoutprescreen.com

To limit the marketing you receive by mail and by e-mail, you may contact the Direct Marketing Association (DMA) at the addresses below and request that your information be placed on its do not contact lists. You must include your name, address, telephone number and signature with your request.

Mail Preference Service
Direct Marketing Association
P.O. Box 643
Carmel, NY 10512

DMA Email Preference Service:  dmaconsumers.org/optoutform_emps.shtml

To limit telemarketing calls from companies, you may add your telephone number to the National Do Not Call list through the following Web site: donotcall.gov.

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