209.668.7000 info@goapm.com

Privacy Policy

 

F A C T S

WHAT DOES AMERICAN PACIFIC
MORTGAGE CORPORATION 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 depend on the product or
service you have with us.  This
information can include:

  • Social Security number and income                                                                     
  • Credit
    history and Credit scores
  • Employment
    information and Mortgage rates and payments

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 American Pacific Mortgage
Corporation chooses to share; and whether you can limit this sharing.

 

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Reasons we can share your personal information

Do we 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

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

No

We don’t share

For our affiliates’
everyday business purposes—

information about your creditworthiness

No

We don’t share

For non-affiliates to market to
you

No

We don’t share

 

Questions?

Call (855)
551-3478 or 916-960-1325 or www.apmortgage.com

 



 

Who we are

Who is providing this notice?

American
Pacific Mortgage Corporation

 

What we do

How does American Pacific Mortgage Corporation 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.

 

We
restrict access to your information to those who have a legitimate business
purpose, and we train employees on data security and confidentiality.

How does American Pacific
Mortgage Corporation collect my personal information?

We
collect your personal information, for example, when you

<![if !supportLists]>n  <![endif]>Apply for a loan

<![if !supportLists]>n
<![endif]>Give us your income information or give us your contact information

<![if !supportLists]>n  <![endif]>Provide employment information
and/or employment history

<![if !supportLists]>n  <![endif]>Show your government issued-ID
and/or driver’s license

 

We also collect your personal information from other
companies, such as credit bureaus, during the loan application process.

Why can’t I limit all sharing?

Federal
law gives you the right to limit only

<![if !supportLists]>n  <![endif]>Sharing for affiliates’ everyday
business purposes—information about your creditworthiness

<![if !supportLists]>n  <![endif]>Affiliates from using your
information to market to you

<![if !supportLists]>n  <![endif]>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.

 

Definitions

Affiliates

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

<![if !supportLists]>n  <![endif]>We have no affiliates

Non-affiliates

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

<![if !supportLists]>n  <![endif]>We do not share with non-affiliates so they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial
companies that together market financial products or services to you.

<![if !supportLists]>n  <![endif]>We do not jointly market



 

 

 

Other important
information

Important notice about credit reporting: We may report information about your account(s) to credit
bureaus and/or consumer reporting agencies. Late payments, missed payments,
or other defaults on your account(s) may be reflected in your credit report
and/or consumer report.

California residents: In accordance with
California law, we will not share information we collect about you with
companies outside of our corporation, except as permitted by law, including,
for example, with your consent or to service your loan. We will limit sharing
among our corporation to the extent required by California law.

Nevada residents: Nevada Statute Section
228.600(3) allows marketing calls to our existing customers listed on the
National Do Not Call Registry. If you prefer not to receive marketing calls
from us, you may be placed on our Internal Do Not Call list by calling (916)
960-1325 or writing to American Pacific Mortgage Corporation, 3000 Lava Ridge
Ct #200, Roseville, CA 95661, ATTN: Privacy Opt Out.  You may also contact the
Nevada Attorney General’s office:

Bureau of Consumer Protection Office of
the Nevada Attorney General

555 E. Washington St., Suite 3900

Las Vegas, NV 89101

Phone: 702-486-3132 or email: BCPINFO@ag.state.nv.us

 

 

 

 

 

 

 

 

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