We, Whole Loan Capital, LLC may collect personally
identifiable financial information (also known as non-public personal
information) about you from the following sources:
- Information that we receive
from you on application or other forms
- Information about your
transactions with us, our affiliates or others
- Information we receive from a
consumer reporting agency
Non public information does not include information that is
available from public sources, such as government real estate records. Unless
you tell us not to, we may disclose some or all of the non-public information
that we collect about you, as described above, with our affiliated companies
and certain non-affiliated third parties. An affiliated
company means a company we
own or control, a company that owns or controls us or a company that is owned
or controlled by the same company as us. A non-affiliated
third party means a company
that is not an affiliated
company. Such non-public information may include:
- Information that we obtain
from your application, such as your name, address, social security number,
assets, income and/or your employment history
- Information about your
transactions with us, affiliates or others, such as the parties to your
transaction(s) and your payment history
- Information that we obtain
from a consumer report, such as your credit score or history
- Information that we obtain to
verify representations made by you, such as your bank balances
- Information we obtain from
you regarding your employment or credit history.
We may disclose non-public personal information about you to
the following types of affiliated and non-affiliated third parties:
- Financial service providers,
such as insurance agents
- Non-financial companies, such
as retailers
We may also disclose non-public information about you to
such affiliated and non-affiliated parties, as permitted by law. Among other
permitted disclosures, the law permits us to disclose to our affiliates
information regarding our transactions and experiences with you.
We restrict access to non-public personal information about you to those
employees who need to know that information to provide the request products or
services to you. We maintain physical, electronic, and procedural safeguards
that comply with federal regulations to guard your non-public personal
information.
It should be noted that we will never sell any information about you to
any outside party for the purposes of marketing or other such endeavors.
Notice of Your Opportunity to Opt Out of
Information Sharing with our Affiliates and Non-affiliated third parties:
If you prefer that we not disclose non-public personal
information about you to our affiliates and non-affiliated third parties, you
may opt out of those disclosures, that is, you may direct us not to make those
disclosures (other than disclosures permitted by law). You may direct us not to
disclose this information by doing the following: call us at (212) 786-2329.