Facts
WHAT DOES Mortgage One, Inc. DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law requires us to tell you how we collect, share, and protect your personal information. Please also read this notice carefully to understand what we do.

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 Credit History
   
• Employment Information and Income
   
• Transaction History and Mortgage Rates and Payments
   

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

  Reasons we can share your personal information Does Mortgage One, 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. Yes No   For our affiliates’ everyday business purposes—information about your creditworthiness No We don’t share   For our affiliates to market to you No We don’t share   For nonaffiliates to market to you No We don’t share     

Questions?
Call (800) 915-9218 or go to mortgageoneinc.com

Who is providing this notice?
Mortgage One, Inc., 2714 Loker Ave. W. Suite 300, Carlsbad, CA 92010

How does Mortgage One, 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 Mortgage One, Inc. collect my personal information?
We collect your personal information, for example, when you:

• Apply for a loan
   
• Give us your income information
   
• Provide your employment history
   
• Provide your mortgage information
   
• Show your government-issued ID
   

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.

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.

• Mortgage One, Inc. does not share with nonaffiliates so they can market to you.
   

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

• Mortgage One, Inc. does not jointly market.
   

California: In accordance with California law, we will not share information we collect about you with companies outside of Mortgage One, Inc., unless the law allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our companies to the extent required by California law.

Vermont: Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates.

Mortgage One, Inc. • NMLS #898812
Equal Housing Lender. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act.