Financial companies choose how they share your personal information. Federal law give 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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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 Envoy Mortgage, Ltd. chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Envoy Mortgage, Ltd. share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions and maintain your account(s). This may include running the business and managing customer accounts, including servicing and collections, reporting to credit bureaus, as well as processing transactions, mailing, and auditing services, and responding to count orders and legal investigations. | 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 | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
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 by this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call tollfree 1-877-232-2461 or go to https://www.envoymortgage.com/privacy-settings/
Who is providing this notice? Envoy Mortgage, Ltd. which also does business as Envoy Mortgage Limited Partnership in New Hampshire.
How does Envoy Mortgage, Ltd. protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These include computer safeguards and secured files and buildings.
How does Envoy Mortgage, Ltd. collect my personal information?
We collect your personal information, for example, when you:
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:
State laws and individual companies may give you additional rights to limit sharing. See section below on “Other Important Information” 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.
Affiliates
Companies related by common ownership or control such as:
Nonaffiliates
Companies not related by common ownership or control. They can be financial or nonfinancial companies.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Texas Consumer Privacy Notice:
Envoy Mortgage, Ltd. is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Envoy Mortgage, Ltd. should complete and send a complaint form to:
Texas Department of Savings and Mortgage Lending
Attn: Consumer Complain Division
2601 North Lamar Blvd, Suite 201
Austin, Texas 78705
Complaint forms and instruction may be obtained from the Department’s website at http://www.sml.texas.gov/. A toll-free consumer hotline is available at 1-877-276-5550.
For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. A separate notice is provided for all customers who are California residents.
For Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List or to obtain additional information on our telemarketing practices, call 1-855-208-2722 or email us at: optout@envoymortgage.com with the subject line “Nevada Annual Privacy Notice.”
For North Dakota Residents: Except as permitted by law, we will not share your personal information with nonaffiliates or affiliates unless you authorize us to. To authorize sharing, please contact us at 1-855-208-2722.
For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your credit worthiness with our affiliates except with your authorization.
For Residents of Montana, Oregon or Connecticut:
If you are a resident of Montana, Oregon, or Connecticut, state law may provide you with additional rights regarding your personal information. Please note that most of the personal information we collect in connection with providing mortgage loans and related financial services is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and exempt from these state laws.
For other personal information we collect outside the scope of GLBA, such as information related to marketing, website usage, or lead inquiries, you may have the following rights under state law:
You may exercise these rights (where applicable) by visiting: http://www.envoymortgage.com/privacy-settings/
We will verify and respond to your request as required by state law.