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Citizens Home Loans of America


Privacy Policy at Citizens Home Loans of America


Privacy Statement


Citizens Home Loans of America, Inc. is committed to protecting your privacy and developing technology that gives you the most powerful and safe on-line experience. This Statement of Privacy applies to the Citizens Home Loans of America, Inc. website and governs data collection and usage. By using the Citizens Home Loans of America, Inc. website, you consent to the data practices described in this statement.



Collection of your Personal Information


Citizens Home Loans of America, Inc. collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Citizens Home Loans of America, Inc. also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Citizens Home Loans of America, Inc. This information can include: your IP address, browser type, domain names, access times and referring Website addresses. This information is used by Citizens Home Loans of America, Inc. for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Citizens Home Loans of America, Inc. website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Citizens Home Loans of America, Inc. public message boards, this information may be collected and used by others. Note: Citizens Home Loans of America, Inc. does not read any of your private on-line communications.

Citizens Home Loans of America, Inc. encourages you to review the privacy statements of websites you choose to link to from Citizens Home Loans of America, Inc. so that you may understand how those websites collect, use and share your information. Citizens Home Loans of America, Inc. is not responsible for the privacy statements or any other content on websites outside of the Citizens Home Loans of America, Inc. and Citizens Home Loans of America, Inc. family of websites.



Use of your Personal Information

 

Citizens Home Loans of America, Inc. collects and uses your personal information to operate the Citizens Home Loans of America, Inc. website and deliver the services you have requested. Citizens Home Loans of America, Inc. also uses your personally identifiable information to inform you of other products or services available from Citizens Home Loans of America, Inc. and its affiliates. Citizens Home Loans of America, Inc. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Citizens Home Loans of America, Inc. does not sell, rent or lease its customer lists to third parties. Citizens Home Loans of America, Inc. may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Citizens Home Loans of America, Inc. may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Citizens Home Loans of America, Inc. and they are required to maintain the confidentiality of your information.

Citizens Home Loans of America, Inc. keeps track of the websites and pages our customers visit within Citizens Home Loans of America, Inc. in order to determine what Citizens Home Loans of America, Inc. services are the most popular. This data is used to deliver customized content and advertising within Citizens Home Loans of America, Inc. to customers whose behavior indicates that they are interested in a particular subject area.

Citizens Home Loans of America, Inc. Websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served upon Citizens Home Loans of America, Inc. or the site; (b) protect and defend the rights or property of Citizens Home Loans of America, Inc.; and, (c) act under exigent circumstances to protect the personal safety of users of Citizens Home Loans of America, Inc. or the public.



Use of Cookies

 

The Citizens Home Loans of America, Inc. website uses "Cookies" to help you personalize your on-line experience. A Cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the Cookie to you.

One of the primary purposes of Cookies is to provide a convenience feature to save you time. The purpose of a Cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Citizens Home Loans of America, Inc. pages, or register with Citizens Home Loans of America, Inc. site or services, a Cookie helps Citizens Home Loans of America, Inc. to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Citizens Home Loans of America, Inc. Website, the information you previously provided can be retrieved, so you can easily use the Citizens Home Loans of America, Inc. features that you customized.

You have the ability to accept or decline Cookies. Most Web browsers automatically accept Cookies, but you can usually modify your browser setting to decline Cookies if you prefer. If you choose to decline Cookies, you may not be able to fully experience the interactive features of the Citizens Home Loans of America, Inc. services or Websites you visit.

 

Security of your Personal Information


Citizens Home Loans of America, Inc. secures your personal information from unauthorized access, use or disclosure. Citizens Home Loans of America, Inc. secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

 

Changes to this Statement

 

Citizens Home Loans of America, Inc. will occasionally update this Statement of Privacy to reflect company and customer feedback. Citizens Home Loans of America, Inc. encourages you to periodically review this Statement to be informed of how Citizens Home Loans of America, Inc. is protecting your information.

 

Contact Information

 

Citizens Home Loans of America, Inc. welcomes your comments regarding this Statement of Privacy. If you believe that Citizens Home Loans of America, Inc. has not adhered to this Statement, please contact Citizens Home Loans of America, Inc. at info@ctzhomeloans.com.  We will use commercially reasonable efforts to promptly determine and remedy the problem.

Any legal inquiries or issues relating to the content of this Website or the use thereof should be directed to:

Charles V. Coomer, President
Citizens Home Loans of America, Inc.
7601 Paragon Rd. Suite 202
Dayton, Ohio 45459



Citizens Home Loans of America is an approved lender of the U.S. Department of Housing and Urban Development (HUD) and Federal Housing Administration (FHA) insured mortgage programs. As an authorized program sponsor of the Federal Housing Administration, Citizens Home Loans can begin processing your application immediately.
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©2014 Citizens Home Loans of America, Inc., All rights reserved. NMLS # - 106883, OH - MB.803898.000, FL - MLD1061, TN - 109003, KY - MC79231, IN - 15042, CA - 603L324. AZ Branch NMLS # - 1145343, AZ - BKBR-0119050