Privacy Notice


PRIVACY NOTICE

 

FACTS

WHAT DOES GOLDEN EMPIRE Mortgage INC. 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 depends on the product or service you have with us. This information can include:

  • Social Security Number and income
  • 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.

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 Golden Empire Mortgage, Inc. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Golden Empire Mortgage, Inc. 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

No

We Don’t Share

For joint marketing with other financial companies

No

We Don’t Share

For our affiliates’ everyday business purposes -

information about your transactions and experiences

 

No

 

We Don’t Share

For our affiliates’ everyday business purposes -

information about your creditworthiness

 

No

 

We Don’t Share

For our non-affiliates to market to you

No

We Don’t Share

 

Who we are

Who is providing this notice?

Golden Empire Mortgage, Inc.

1200 Discovery Center Drive, Suite 300, Bakersfield, CA 93309

 

What we do

How does Golden Empire Mortgage, Inc. 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 Golden Empire Mortgage, Inc. collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or provide employment information
  • provide account information or provide your mortgage information
  • give us your income 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 credit worthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market you

 State laws and individual companies may give you additional rights to limit sharing

Definitions

Affiliates

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

 

Golden Empire Mortgage, Inc. does not share with our affiliates.

Non-affiliates

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

Golden Empire Mortgage, Inc. does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliates financial companies that together market financial products or services to you.

 

Golden Empire Mortgage, Inc. does not jointly market with non-affiliate financial companies.

 

Questions

Call 800-520-3724 or go to http://www.gemcorp.com

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