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We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal
financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender
to make an informed decision about granting you credit.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic
We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms;
(ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting
All financial companies need to share their customer's personal information in order to process and close your mortgage loan. Therefore, we do
disclose your personal information to pre-vetted vendors to perform certain required functions and who have high safe guards that
prevent further release of your personal information. We also may use your information for us only to market products and services to you
in the future. Universal Mortgage and Finance, Inc. may use your information to offer you products and services in the future, but does not
share your personal information with any other companies or affiliates except for the purpose of processing and closing your mortgage loan.