Privacy Policy - Moneyhouse US

Privacy Policy Our “Do Not Call” Policy
 

Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.

OUR PRIVACY POLICY EXPLAINS THE FOLLOWING:

  • Protecting the confidentiality of our customer
  • Who is covered by the Privacy Policy
  • How we gather information
  • The types of information we share, why, and with whom
  • Opting Out - how to instruct us not to share certain information about you or not to contact you

PROTECTING THE CONFIDENTIALITY OF CUSTOMER INFORMATION:

Moneyhouse takes our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.

From time to time, we may enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purpose.

WHO IS COVERED BY THE PRIVACY POLICY?

Moneyhouse provides its Privacy Policy to customers when they conduct business with our company. If we change our Privacy Policy to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, we will amend this online privacy policy, and it is the user’s responsibility to visit this online privacy policy from time to time to check on any updates. This Privacy Policy applies to customers who are current customers or former customers.

HOW WE GATHER INFORMATION:

As part of providing you with financial products or services, we may obtain information about you from the following sources:

  • Applications, forms, and other information that you provide to us whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references.
  • Your transaction with us, our affiliates, or others. This information may include your account balance, payment history, and account usage.
  • Consumer reporting agencies. This information may include account information and information about your credit worthiness.
  • Public sources. This information may include real estate records, employment records, telephone numbers, etc.

INFORMATION WE SHARE:

Moneyhouse may disclose information it has about you as permitted by law. We are required to or we may provide information about you to third parties without your consent, as permitted by law, such as:

  • To regulate authorities and law enforcement officials.
  • To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
  • To report account activity to credit bureaus.
  • To consumer reporting agencies.
  • To respond to a subpoena or court order, judicial process or regulatory authorities.
  • In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.

In addition Moneyhouse may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.

Moneyhouse may also provide information about you to its service providers to help perform marketing services. This information provided to these service providers may include the categories of information described above under “How we Gather Information” limited to only that which we deem appropriate for these service providers to carry out their functions.

Moneyhouse does not provide non-public information about you to any company whose products and service(s) are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.

QUESTIONS REGARDING THIS POLICY / OPTING OUT:

Contact:
Moneyhouse (Corporate Headquarters)
52 Calle Paseo Covadonga
San Juan, Puerto Rico 00901
787-993-0320

STATE NOTICES

California: In accordance with California law, we will not share information we collect about you with our partner companies unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

Our “Do Not Call” Policy

Moneyhouse complies with laws and regulations and is committed to protecting and respecting consumers’ rights to privacy.

Moneyhouse does not engage in telemarketing activities, as all initial contact with Moneyhouse is made in response to the consumer’s inquiry or invitation for information about a reverse mortgage within three (3) months of such inquiry.

Moneyhouse maintains a record of the name and telephone number(s) for consumers who do not wish to be called or contacted. Upon request, consumers’ telephone number(s) (both customers and non-customers) will be added to the internal Do Not Call List within five (5) business days of receipt of such request. This record will be retained for at least five (5) years.

Consumers are responsible for notifying Moneyhouse of any changes in name or telephone number if they move or wish to place a new telephone number on the Moneyhouse Internal Do Not Call list. Furthermore, consumers are responsible for notifying Moneyhouse if there is more than one telephone line or number that they wish to place on the Do Not Call list.

Consumers have additional avenues available to them, which will help reduce or eliminate unwanted telephone solicitations. Consumers may place their telephone number(s) on the National Do Not Call Registry by calling 1-888-382-1222 or online at www.donotcall.gov.

Telephone calls to consumers with whom Moneyhouse has an established business relationship are permitted unless they have asked to be included on the internal Do Not Call list.

No unsolicited facsimile solicitations will be initiated.

Consumers may request a copy of this Policy. Upon receipt of request, we will send a copy via U.S. mail or electronic mail within a reasonable time period of thirty (30) days. If you have any questions or comments regarding Urban Do Not Call Policy, you may contact:

Moneyhouse - Compliance Department – Do Not Call List
52 Paseo Covadonga St
San Juan, PR 00901
787-725-8000

THE CONTENT PROVIDED ON THIS WEBSITE IS NOT FROM, AND WAS NOT APPROVED BY, HUD OR FHA.

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