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American Home Lending USA is committed to respecting the privacy rights of
all users of this web site ("web site"). The following
policy describes how American Home Lending USA seeks to assure
all users how it protects information provided or collected
through this web site. What information does American Home Lending USA collect and how does American Home Lending USA use it?
American Home Lending USA collects your personal financial
information and other data that may enable a third party
with access to such information to personally identify you,
and which includes but is not limited to information you
provide on a loan application and a credit report. This
personal information is used solely by American Home Lending USA,
and selected affiliated entities, for purposes of processing
your loan and providing products and services of interest to
you, and is not distributed or disclosed to non-affiliated
third parties. To process your loan inquiry, American Home Lending USA will obtain a credit report. The information contained
in the credit report is used solely for the purpose of
analyzing your credit history, verifying the debt
information you provide to us, and qualifying you for a
loan.
How does
American Home Lending USA protect your information?
All personal
information that you input online is encrypted by the Secure
Sockets Layer (SSL) system that establishes a secure
connection between you and American Home Lending USA. Our Secure
Socket Layer (SSL) is the top
commercially available encryption standards today. Transmissions between the web site and you are
encrypted using public key cryptography algorithms with a
minimum key size of 1024 bits. This technology requires a SSL-capable
browser such as Internet Explorer 4.0 (or later), Netscape Navigator
4.0 (or later), or Firefox 1.0 (or later). If
your browser is not SSL capable, then this web site will not
permit any data to be sent to our database.
Does
American Home Lending USA use "cookies"?
Cookies are bits of
electronic information that a web site can transfer to a
user's hard drive to help tailor and keep records of a
user's visit to a web site. Cookies allow web site operators
to better customize web site visits to the user's individual
preferences. The use of cookies is standard on the Internet
and many major web sites use them. Although most web
browsers automatically accept cookies, you can usually
change browser settings to prevent or provide notification
whenever a cookie is sent, thereby giving you the
opportunity to decide whether or not to accept it. Even
without accepting a cookie, you can still access most of the
features on the web site. American Home Lending USA does not use
cookies.
Does
American Home Lending USA disclose the information it collects
from its users to outside parties?
American Home Lending USA does
not disclose any information collected from you to
unaffiliated third parties. However, American Home Lending USA is
affiliated with other companies, including, but not limited
to, Greenpoint Mortgage, Countrywide Home Loans,
Commonwealth United Mortgage, Long Beach Mortgage, Option
One Mortgage, New Century Mortgage, Wells Fargo Home Loans,
American Broker's Conduit, Sebring Capital, Argent Mortgage,
Finance America, Novastar Mortgage, MILA and their
respective subsidiaries and affiliates. Upon receipt of your
personal information, American Home Lending USA may share the
personal information about you, including information from
your loan application, with its affiliates (but not
unaffiliated third parties) in order to offer products and
services of interest to you. If you would rather American Home Lending USA not share information about you with its
affiliates, please e-mail us at
info@americanhomelendingusa.com
or write us at:
American Home Lending USA
230 South Buchanan Suite A
Edwardsville, IL 62025
Please make
sure to include with your request your entire name, full
address and social security number.
If you do
not respond to this Privacy Policy Notice by e-mail or in
writing as set forth in the above paragraph within thirty
(30) days of providing personal information on the web site,
the ability to opt out may no longer be available. Even if
you elect to opt out in the manner set forth above,
American Home Lending USA will be entitled to share with its
affiliates your name, address, and information relating to
its "transactions and experience" with you, as permitted or
required by Federal law.
How does a
user opt-out, remove, or modify information they have
provided to American Home Lending USA?
After gathering any
information from you, American Home Lending USA offers you the
opportunity to remove certain personal information from our
database so as not to receive future communications, or to
no longer interact with the web site until you later chose
to. American Home Lending USA additionally provides you the
opportunity to update and modify any personal information
you have previously provided. Please be advised that Federal
and State regulations require American Home Lending USA to retain
certain aggregate data about our customer base.
To send
requests to either (i) opt out or no longer receive
communications from this web site; and/or (ii) to view,
edit, and revise personal information in our database,
please send a request to
info@americanhomelendingusa.com or
by U.S. mail to:
American Home Lending USA
230 South Buchanan Suite A
Edwardsville, IL 62025
After you
have viewed and modified the personal information, you
should send the revised version to the addresses listed in
the preceding sentence so that your records can be correctly
updated.
Third party
links
In an attempt to provide increased value to our users,
American Home Lending USA may choose various third party web
sites to link to, from, and frame within, its own web site.
However, even if the third party is affiliated with
American Home Lending USA, American Home Lending USA has no control
over these linked web sites, each of which is independent of
this web site and may have separate privacy and data
collection practices. American Home Lending USA has no
responsibility or liability for these independent policies
or actions, and is not responsible for the privacy practices
or the content of such web sites. These linked web sites are
only for your convenience, and you therefore access them at
your own risk. Nonetheless, American Home Lending USA seeks to
protect the integrity of its web site and the links placed
upon it and therefore requests any feedback on not only its
own web site, but for web sites it links to as well
(including if a specific link does not work).
User
consent, Questions
If American Home Lending USA decides to change
its privacy policy, it will post those changes on this page
so that you are always aware of what personal information
American Home Lending USA collects, how American Home Lending USA uses
that information, and under what circumstances American Home Lending USA discloses such information. Questions regarding
this privacy policy should be directed to the web site
coordinator at
info@americanhomelendingusa.com or by U.S. mail to:
American Home Lending USA
230 South Buchanan Suite A
Edwardsville, IL 62025
American Home Lending USA welcomes your questions, comments, and concerns
about its privacy policy. Please send us any and all
feedback pertaining to this, or any other issue, at
info@americanhomelendingusa.com,
or by U.S. mail to:
American Home Lending USA
230 South Buchanan Suite A
Edwardsville, IL 62025
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