We generally gather two types of information about Customers:
- personally identifiable data that Customers provide through optional, voluntary use our online services; and
- data we gather through tracking of online services use.
Information We Collect
Why We Collection Information
We may collection personal information about you from the information you provide to us when you fill out an application or other form on our website. We need to know information about you for us to provide you with the mortgage loan products and services you have requested through Vertias Funding’s website.
We use the information you provide to process your request for services, products, or information to facilitate your mortgage loan and improve customer service.
Personally Identifiable Information
When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), loan numbers, location information, user name and password. We may also collect social security numbers where we believe it is reasonably required for ordinary business purposes.
Protecting Your Information
We make use of the Secure Socket Layer (SSL) transaction protocol, largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users. We also use 128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially available for Internet products. Most standard browsers including Microsoft, Apple, Google, and Mozilla products make use of this encryption.
We work to protect personally identifiable information stored on servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username, and password are required for you to use, view or change the personally identifiable information you have provided us. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
Use of Information
We use the information discussed above in a number of ways, including, but not limited to the following: taking and processing your loan application; verifying your identity; responding to your requests and communicating with you; managing your preferences; performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view; providing you tailored content and marketing messages; complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and for any other purposes that we may specifically disclose at the time you provide or we collect your information. We may also use data that we collect on an aggregate or anonymous basis for various business purposes, where permissible under applicable laws and regulations.
We do not sell any personal information to list brokers, mail-order businesses, or telemarketers. Your information is delivered to loan officers and other mortgage professionals for the purpose of finding you an appropriate solution for your lending needs. We restrict access to the information obtained from our website and webpages to our employees and only those parties needed to process your information, buy Veritas Funding reserves the right to share your information with whom we work, including but not limited to, insurance other business affiliates of Veritas Funding, title companies, appraisers, and mortgage professionals.
Disclosure of Information
Cookies and Other Tracking Technologies
Online behavioral advertising (OBA) or interest-based advertising refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies we work with may set cookies and use related tracking technologies, throughout our online services or in our communications to support these OBA efforts. If you do not want your information collected and used by the companies we work with for OBA purposes, you can opt out of this form of OBA by following the instructions in the next section.
Opting Out of "Online Behavioral Advertising" (OBA)
There are two (2) ways that you can opt out of OBA from certain Veritas ads on third-party websites. One way is through the cross-industry Self-Regulatory Program for Online Behavioral Advertising (Opens Overlay) managed by the Digital Advertising Alliance (DAA). To opt out of OBA, please click on the following link and follow the instructions: http://youradchoices.com (Opens Overlay). Another way to opt out of OBA is by clicking on the Advertising Options Icon featured on certain Veritas ads on third-party websites. When clicked it (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.
Linking to Third-Party Websites
If you have any questions, concerns, or compliances about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to contact us at:
WHAT DOES VERITAS FUNDING DO WITH YOUR PERSONAL INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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 Veritas chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Veritas 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
For our marketing purposes — to offer our products and services to you
We Don't Share
For joint marketing with other financial companies
We Don't Share
For our affiliates’ everyday business purposes — information about your transactions and experiences
We Don't Share
For our affiliates’ everyday business purposes — information about your creditworthiness
We Don't Share
For nonaffiliates to market to you
We Don't Share
To limit our sharing
Call 801.639.0900 or go to www.vfund.com
Who we are
Who is providing this notice?
Veritas Funding, LLC
What we do
How does Veritas 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.
How does Veritas collect my personal information?
We collect your personal information, for example, when you
Why can’t I limit all sharing?
Federal law gives you the right to limit only
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 - unless you tell us otherwise
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information