Privacy Policy

What does Bellco Home Loans, LLC 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
• Account balances and payment history
• Credit history and credit scores

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 Bellco Home Loans, LLC chooses to share; and whether you can limit this sharing.

California residents – click here to view the California Consumer Protection Act portal

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES BELLCO HOME LOANS, LLC 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	YES	NO
For our affiliates’ everyday business purposes- information about your transactions and experiences	YES	NO
For our affiliates’ everyday business purposes- information about your creditworthiness	NO	WE DON’T SHARE
For affiliates to market to you	YES	YES
For non-affiliates to market to you	NO	WE DON’T SHARE

Who is providing this notice? Bellco Home Loans, LLC

How does Bellco Home Loans, LLC 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.

If you fill out a contact form on our website, we store that information to respond to you regarding the reason you contacted us.

Text Messaging and Mobile Information

When you opt in to receive text messages from us or otherwise communicate with us by text message, we may collect your mobile telephone number, records of your opt-in and opt-out choices, messaging preferences, and information associated with messages sent to or received from us. We use this information to operate and administer our text messaging programs, provide requested information and customer support, communicate with you about your application, loan, account, transaction, or other relationship with us, maintain records of your consent and communication preferences, comply with applicable legal and regulatory requirements, and, where you have separately consented, send marketing or promotional text messages.

For purposes of this section, “mobile information” includes your mobile telephone number, text messaging originator opt-in data and consent, messaging preferences, and information associated with your text message interactions. Consent to receive text messages from us is specific to the applicable Guild text messaging program and is not transferable.

We do not sell or rent mobile information. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All categories of information sharing described in this Privacy Policy and our U.S. Consumer Privacy Notice exclude text messaging originator opt-in data and consent, except for the limited service-provider disclosures described below.

We may disclose mobile information to service providers and subcontractors solely as necessary to transmit and support text messages, administer our text messaging programs, provide customer service, maintain messaging records, or perform related services on our behalf. These service providers and subcontractors may use the information only to perform services for us and may not use or disclose it for their own marketing or promotional purposes.

How does Bellco Home Loans, LLC collect my personal information?

We collect your personal information, for example, when you:

• Apply for financing or give us your contact information
• Give us your income information
• Give us your employment history
• Give us your wage statements

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes-information about your creditworthiness
  affiliates from using your information to market to you
• sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account, I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies such as:

• Guild Mortgage Company LLC

Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates we share can include:

• Non-financial companies, such as direct marketing companies
• Service providers that perform marketing services on our behalf or on behalf of us and another financial institution.
  

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include:

• Financial institutions with whom Bellco Home Loans, LLC or its subsidiaries have joint marketing agreements
• Service providers that perform marketing services on our behalf or on behalf of us and another financial institution