USAVeterans.net

INFORMATION GATHERED

Tri-Peaks Mortgage Inc., d/b/a USA Veteran Loans and its subsidiaries and affiliates (collectively, the “Companies”, “us”, “we”, or “our”), respect your privacy, and we are committed to providing transparent notice of our privacy practices.

This policy describes the types of information USA Veteran Loans may collect from you when you visit our websites (collectively, the “websites”) and communicate or interact with us, such as via email or phone, as well as our practices for collecting, using, maintaining, protecting, and disclosing that information.

A separate financial privacy notice may apply to you. If you are a consumer or customer of a personal, household, or family financial product or service, please refer to the financial privacy notice for consumers of personal, household or family financial product or services that was provided to you by mail.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. Please keep in mind that this policy may change from time to time (see “Changes to Our Privacy Policy”).

INFORMATION THE COMPANIES COLLECT

We may collect certain types of information from you, such as:

• Directly from you: information you voluntarily provide via forms, surveys, applications, etc. when you visit the Companies’ websites.
• From third parties: Information provided by third parties about you.
• Automatic Collection: The Companies may also collect information about you from your online browsing, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.

HOW INFORMATION IS COLLECTED

• The personal information USA Veteran Loans receives about you is provided.
• By you directly to USA Veteran Loans
• On your loan application
• Online forms you complete
• Documentation provided in connection with the underwriting process
• Emails and letters you send to USA Veteran Loans
• Phone calls with USA Veteran Loans
• Activity on USA Veteran Loans websites.

HOW THE COMPANIES USE INFORMATION

• USA Veteran Loans may use information that is collected from or about you in the following ways:
• To present the websites and its contents to you.
• To provide you with information, products, or services that you request from us.
• To notify you about changes to the websites or any products or services we may offer on provide through them.
• To allow you to participate in interactive features on the websites.
• Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards.
• To work with marketing partners to provide you with products or services that may be of interest to you.
• To audit use of the websites, such as how to improve the websites, as well as our products and services.
• To enforce compliance with any agreements we may have with you, including any website terms of use.
• To fulfill any other purpose for which you provide it and in any other way we may describe when you provide the information.
• For any other purpose with your consent or as otherwise allowed or required under

DISCLOSURE OF YOUR INFORMATION

• We may disclose information that we collect, or you provide as described in this privacy policy:
• To affiliates or contractors, service providers, and other third parties we use to support our business.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information
• With your consent or direction.
• At times, USA Veteran Loans may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.
• Additional Information we May Disclose:
• To comply with any court order, law, or legal process, including to respond to any government, regulatory, or law enforcement request.
• To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of us, our customers, or others (this includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.)

COOKIES AND OTHER TRACKING TECHNOLOGIES

USA Veteran Loans gathers information for a variety of reasons. Some reasons include enhancement of website features and capabilities, customizing a user’s experience as well as perform website analytics. Some of the information Tracking technology includes:

• Cookies: A “cookie” is a small file that is assigned by the web server to your computer. The use of cookies allows USA Veteran Loans to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide USA Veteran Loans access to your computer or any of the information contained on your computer and your computer is not harmed by USA Veteran Loans use of cookies. Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website.
• Website Usage Data: Our websites may track usage data, including but not limited to, your IP address, your page views and links clicked, your browser type and version, and other aspects of how you interact with USA Veteran Loans websites.

USA Veteran Loans utilizes this information in the aggregate and on an individual level to better understand how our website is being used, to improve site offerings, for troubleshooting and other issue resolution purposes. This data may also be utilized to help USA Veteran Loans provide coaching on the various tools the site has to offer and provide you with a more personalized website experience or assist with technical support questions. We may also utilize it to send you specific offers or promotions. If you do not wish to receive offers or promotions, simply indicate your preferences through your online account or send an Email to info@USAVeteranLoans.com

If you do not wish to receive information regarding USA Veteran Loans products and services, you may opt-out during your account registration, within any future communications or by sending an Email to info@USAVeteranLoans.com. Please designate within your opt-out request your email address, property address, loan number (if applicable), and telephone number as well as from what communications you wish to opt-out. You may also update your contact preferences by logging into your account. USA Veteran Loans does not sell or share a borrower’s personal information with third parties for their promotional or marketing use without your consent.

While we respect and honor your privacy preferences as you have expressed, there may be times we need to contact you to inform you of a specific change that may have an impact on your ability to use USA Veteran Loans services or other critical non-marketing purposes. We may also contact you to respond to any specific request you may submit.

SERVICE PROVIDERS

For certain aspects of the loan process and to provide certain services to you, USA Veteran Loans employs or utilizes service providers including, but not limited to, appraisal management companies, title companies, closing attorneys, due diligence firms, sub-servicers, consultants, temporary workers, attorneys, third-party developers and technology companies and others as necessary. For example, we may utilize service providers to send Emails to you. In order for service providers to assist USA Veteran Loans, we may need to share your personally identifiable information. Service providers are not authorized and are strictly prohibited from utilizing your personally identifiable information for any purpose other than those proscribed by USA Veteran Loans in connection with the services they provide on USA Veteran Loans behalf. USA Veteran Loans does not sell or share a borrower’s personal information with third parties for their promotional or marketing use without your consent.

CHILDREN UNDER THE AGE OF 13

Because of the financial nature of our business, USA Veteran Loans websites are not designed for use by children under the age of 13 and those not of legal age to contract. Therefore, USA Veteran Loans does not knowingly attempt to solicit or receive any information from children. Additionally, USA Veteran Loans does not have services available for those younger than the legal age to contract and as such does not knowingly attempt to solicit or receive any information from those under the age of 16. USA Veteran Loans does not sell the personal information of minors.

SECURITY

USA Veteran Loans has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.

Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. USA Veteran Loans recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to USA Veteran Loans via e-mail, you accept all risk that such information may be intercepted by a third party.

LEGAL DISCLOSURE

At times, USA Veteran Loans may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.

Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of USA Veteran Loans. You will have the opportunity to opt out of further secondary use of your information following any such change in control.

SOCIAL MEDIA AND THIRD-PARTY LINKS

USA Veteran Loans has a presence on various social media outlets to connect with our clients, customers and to connect with potential clients. Your activity on third-party websites is governed by the security, policies and terms of use of each third-party website. You should review the privacy policies of the third-party website before using it and ensure you understand how your information may be used before providing it. The information posted on or directed on USA Veteran Loans social media profiles is generally available to the public. To protect your privacy, do not include sensitive personal information or any other information you want to keep private in your social media activity, comments or responses. Any information shared on USA Veteran Loans social media pages may be archived independently on, and retention of such information is governed by, the third-party website.

You might find links to third party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. USA Veteran Loans does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as USA Veteran Loans has no control over third-party websites.

USA Veteran Loans reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

TERMS AND CONDITIONS

Please see the USA Veteran Loans Terms of Use Statement for other details that are applicable to and regard your use and access of this Website by clicking the link at the bottom of this page.

RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED, DISCLOSED OR SOLD

You have the right to request USA Veteran Loans disclose what personal information it collects, uses, discloses and sells. USA Veteran Loans has outlined above the general categories of information collected from you directly or received by USA Veteran Loans via your licensed loan officer. USA Veteran Loans does not sell your personal information and only discloses it to third parties who are performing services on behalf of USA Veteran Loans or assisting USA Veteran Loans with another business need or purpose.

If you would like additional information about what personal information USA Veteran Loans collects and how it is used, disclosed, and sold (USA Veteran Loans does not sell your personal information), you can submit a verifiable consumer request via telephone by calling 800-910-0370 and asking for our Compliance or by email to Compliance@USAVeteranLoans.com. You can also submit your request in writing by mailing it to:

USA Veteran Loans
c/o Compliance Team
1052 Mill Creek Rd
Bradenton, FL 34212

To respond to your request for information, USA Veteran Loans will need sufficient information to verify your identity. Please include with your request your name, property address, NMLS number (if applicable), loan account number (if applicable), last four digits social security number and/or any other information that may help USA Veteran Loans verify your identity.

FOR CALIFORNIA RESIDENT ONLY

For information on how USA Veteran Loans is complying with the California Privacy Act of 2018 (CCPA) and the rights provided to California consumers, please click here.

AGREEMENT

By using this Website, you agree to USA Veteran Loans Privacy Statement and to the use of the information USA Veteran Loans receives and collects as stated herein and in ways USA Veteran Loans may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. USA Veteran Loans reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.

QUESTIONS?

Should you still have questions regarding USA Veteran Loans use of your information, privacy policies and practices, you may contact USA Veteran Loans using the below information:

USA Veteran Loans
1052 Mill Creek Rd
Bradenton, Florida, 34212
info@USAVeteranLoans.com
(800) 910-0370