CUSTOMER PRIVACY STATEMENT

Our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, WestStar Mortgage, Inc. must collect, maintain and use certain personal and financial information about you and your activities with us. We recognize and respect your privacy concerns and expectations about how we use this information. We want you to know about our policies and practices.

This Customer Privacy Statement applies to WestStar Mortgage. Please read it carefully and keep it for your records. We will give you a new Customer Privacy Statement whenever we change our policies or practices.

Collection and Use of Customer Information
We collect, retain and utilize information about you to operate our business and make products, services and other opportunities available to you. Much of the information we collect, such as account balances, credit information and payment history, is non-public personal information. We obtain this information (collectively referred to as “Customer Information”) about you from a variety of services, including:

l Information we receive directly from you in applications and other forms that you deliver to us, and from our communications with you. This may include information such as your address, telephone number, employment, assets, income, debt, etc…

l Information we compile from your transactions or experiences with our affiliates or with us. This may include information such as your account balances, payment history, credit card usage, etc…

l Information we receive from other sources regarding their employment, credit or other relationship with you or verifying information you have given us. This may include information such as your employment history, loan and/or credit card payment history, loan or credit card balances, your property insurance coverage, appraisals of your residence, etc…

Information from credit bureaus regarding your credit history and creditworthiness (such as the amount of your total debt, your payment history, etc….). Information from public records. This may include information contained in federal, state and local records such as recorded liens on your property, real estate taxes and assessments, tax liens, etc…

l In addition, we may assemble demographic or information about you which is not assembled for the purpose of determining your eligibility for credit, insurance, employment or any other service or product you request.

Also, when you visit any of our websites, we may collect information to measure the use of our site and to assist us in improving the content of our site; however, we do not collect information about our visitors to our websites unless you voluntarily choose to provide it.

A “cookie” is a small marker that is left on your computer which can only be read by us and helps us better service your account the next time you visit our website.

A “cookie” allows us to know a visitor has occurred within our site, and the pages which were viewed. We do not retain any of these cookies or store any cookies on your hard drive. Cookies are commonly used on websites and do not harm your computer. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser.

Disclosure of Information

We do not sell Customer Information (as described above) to non-affiliated third parties for marketing purposes. We may disclose Customer Information under the following circumstances:

(1) To Marketing Service Providers and Joint Marketing Partners
We may disclose all Customer Information described above to:

(1) companies that perform marketing services for us and

(2) other financial institutions with which we have joint marketing and/or business agreements

(2) Among our affiliates
There are two categories of Customer Information. One is information about your history of dealing with us, such as identification information, account balances, payment history (which we refer to as “Transaction History”). The other is information received from other sources, including information typically found in a credit report (which we refer to as “Third Party Data”). We may share Third Party Data and Transaction History with our Affiliates. We do this to provide you with the products and services they offer. If you do not want us to share Third Party Data with our Affiliates, please advise us by writing to us at WestStar Mortgage, 3550 Commission Court, Woodbridge, Virginia 22192. Please provide your name, address and Social Security Number. For any account or loans you jointly hold with another person, each person may separately instruct us not to share information with Affiliates or any joint account holder may give us instructions for others so long as we receive complete and accurate information for each person. If we receive instructions for only one joint account holder, we may share information with Affiliates about the other joint holder(s). Regardless of your request not to share Third Party Data, we are permitted by law to share Transaction History with our Affiliates. In addition, your direction that we not share Third Party Data does not prohibit us from contacting you about additional products or services.

(3) With Other Third Parties
We do not share information with non-affiliated third parties.

Maintenance of Accurate Information
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of your personal information is incorrect, contact us in writing: WestStar Mortgage, 3550 Commission Court, Woodbridge, Virginia 22192. We will investigate the situation and, when appropriate, update our records accordingly. 

Protection of Accurate Information
We maintain appropriate procedures to protect the security of your information. Our employees receive training and understand the importance of confidentiality and customer privacy. We restrict access to your personal and account information to those employees with a business reason for accessing such information. We maintain physical, electronic and procedural safeguards that comply with Federal standards to guard your Customer Information. Even if you decide to repay your loan(s) from us or otherwise become an inactive customer, any Customer Information we have about you will remain subject to the policy and practices described in this Customer Privacy Statement.

While this policy does not apply to business accounts, we do respect the privacy of our business/commercial customers and take appropriate steps to protect their information.

The Corporation may amend the Customer Privacy Statement at any time and notice of any changes will be given to our customers as required by applicable law.