At United Bay Area Mortgage we recognize that you expect privacy and security for the non-public
personal information we collect from you. We fully understand the need to safeguard sensitive
information about you and we maintain standards and procedures designed to prevent misuse of this
information.
We collect, retain and use information about you only to help us administer our products and services.
We do not provide non-public personal information, which includes financial information to other
companies including independent telemarketing or direct mail marketing companies.
We gather information about you to protect you, to properly identify you and to validate your identity.
As a result of our business model and our relationship with the Federal Reserve System and to CenCorp,
we are regulated much like a financial institution. As such, we are subject to privacy legislation found in
the Gramm-Leach Bliley Act, which was enacted by Congress in October 1999. The language in
Section 502 of this legislation allows United Bay Area Mortgage to continue to collect personal data
according to our current mortgage application procedures to enable United Bay Area Mortgage to
execute a transaction that is requested or authorized by the consumer.
Please keep in mind that the www.ubamortgage.com web site contains links to other sites.
United Bay Area Mortgage is not responsible for the privacy practices or the content of such web sites.
The Federal Government has set privacy standards for all its regulated agencies and has identified the
following principles to help ensure the protection of a consumer's non-public personal information.
Notice
It is our policy to treat your account information as confidential. We may disclose information to third
parties about your account or the transactions you make ONLY in the following situations:
- It may be necessary to disclose your non-public personal information to complete a transaction
you have authorized. However, we will only disclose non-public personal information to the
party/vendor involved in that particular transaction.
- We may share your non-public personal information with credit bureaus during the application process to
determine your credit history, afterwards to verify the information contained in your account or to
report payment history information.
- We may find it necessary to provide your non-public personal information in order to comply with
a government agency or court order.
- We may disclose your non-public personal information to other sources only if you give us your
written permission.
Access
You may review and update your non-public personal information, in your mortgage file, at any time to
ensure that it is accurate and up-to-date.
We have procedures that limit access to personally identifiable information to those United Bay Area Mortgage
employees with a business reason to know such information about you. We educate our
employees about the importance of confidentiality and customer privacy through standard operating
procedures and training programs. We take appropriate disciplinary measures to enforce employee
privacy practices.
Security
To ensure that your non-public personal information remain confidential, we maintain security standards
and procedures to help prevent unauthorized access to confidential information about you.
Guarantee
Your mortgage application will be executed safely and reliably. You have chosen to do business with us
and we recognize our obligation to keep the non-public personal information you provided to us secure
and confidential.
If you would like more information regarding the use of your non-public personal information, you can contact us in
one of the following ways:
In writing:
Customer Service - Privacy & Security
United Bay Area Mortgage
3939 North Euclid Avenue
Bay City, MI 48706
Dial Toll Free:
1.800.511.8226
Via our web site:
http://www.ubamortgage.com/
