PRIVACY POLICY

Introduction
Gold Star Mortgage Financial Group, Corporation (“Gold Star”) is committed to providing the tools necessary for its clients to have the financial flexibility they desire, including counseling them on all of their home financing needs. The purpose of this Policy is to outline how we treat and safeguard non-public personally identifiable information.

Definitions
Affiliates: Companies related by common ownership or control. They can be both financial and non-financial companies.

Confidential Information: The confidential and non-public information of Gold Star and/or its consumers, including but not limited to Consumer Information (as defined below). Non-public information is any information that cannot be found in public sources.

Consumer: A person who obtains or has obtain a financial product from Gold Star that is to be used primarily for personal, family, or household purposes.

Cookies: A cookie is a small piece of information that our website may provide to your computer for record-keeping purposes.

Customer: A subclass of “consumers” who have a continuing relationship with a financial institution.

Non-public Information: Any personally identifiable information that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise publicly available. This includes any information that you provide to get a financial product or service (e.g. name, address, social security number, or information on an application), or any information about you from a transaction involving Gold Star and you.

Restrictions

We restrict access to your non-public information to Gold Star personnel who need to know that information in order to provide products or services to you. We maintain physical, electronic, logical, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information. Information We Collect When You Do Business With Us

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms; Information about your transactions with us, our affiliates, or others (such as your loan balance, payment histories, and other account information); Information we receive from a consumer reporting agency; Information we receive from other mortgage settlement services providers when we process your transaction.

Collecting this information allows us to assist you in meeting your financial goals. We are unable to process your requests without some or all of this information, to keep you informed of new products or services that might be beneficial to you, and to generally understand your needs.

Information We Collect When You Browse Our Website

We do not access information about your identity when you browse our website. In order to improve user experience, we are provided general information about the date and time you accessed our website, the geographic location that you accessed it from, the type of browser that you used, and other non-identifying information, however that information is stored with third parties and you remain anonymous to Gold Star.

Gold Star uses a variety of third party services to provide you with the best possible experience while using our website. We also use third parties such as Google Analytics to help us understand how to tailor our website to assist our visitors. These third parties may collect information from your browser, and may tailor advertising content so that you see our advertisements on other websites. In order to limit tracking of your browser information, you must adjust the Privacy Settings in your browser.

Gold Star uses cookies in order to identify which pages of the site you access, and also to improve your online experience by allowing pages to load faster. Assigning a cookie to your computer does not provide Gold Star with access to your computer or any information contained on the computer, and your computer is not harmed by Gold Star’s use of cookies. Most web browsers afford the opportunity to reject or delete cookies. To reject cookies, you should limit your Privacy Settings. You may also delete cookies in your Internet browser. Please note that if you use more than one type of browser or more than one computer to access the Internet, you may have to remove cookies in each browser and on each computer that you use. If you return to Gold Star, you may receive a new cookie. By rejecting cookies, you may be removing some of your ability to access content on Gold Star’s website. For your convenience, we have included the links below to some common web browsers to assist you in setting your privacy limits. We do not make any representations as to the accuracy of the data contained at these links, and you agree that you assume all risk and responsibility by navigating to the links provided below. For the most up-to-date information, you should contact the company that provides your internet browser.

Chrome: https://support.google.com/chrome/answer/114836?hl=en
Firefox: https://support.mozilla.org/en-US/kb/how-do-i-turn-do-not-track-feature
Safari: http://support.apple.com/kb/PH11952
IE: http://windows.microsoft.com/en-us/internet-explorer/ie-do-not-track#ie=ie-11

Sharing Information
FACTS - WHAT DOES GOLD STAR DO WITH YOUR 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:
Social Security number and credit scores
Income and asset information
Home valuation information
Employment information
When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business and process your transactions. In the section below, we list the reasons Gold Star chooses to share and what you can do to limit the sharing.

Reasons We Share Personal Information

For our everyday business purposes – such as to process your transactions, respond to audits or court orders, or to comply with criminal investigations.
Does Gold Star share? = YES
Can you limit sharing? = NO

For our marketing purposes – to offer products and services to you.
Does Gold Star share? = YES
Can you limit sharing? = NO

For joint marketing with other financial companies
Does Gold Star share? = NO
Can you limit sharing? = NOT Shared

For our affiliates everyday business purposes – information about transactions and experience
Does Gold Star share? = YES
Can you limit sharing? = NO

For our affiliates everyday business purposes – information about your credit worthiness
Does Gold Star share? = YES
Can you limit sharing? = NO

For our affiliates to market to you
Does Gold Star share? = NO
Can you limit sharing? = NOT Shared

For non-affiliates to market to you
Does Gold Star share? = NO
Can you limit sharing? = NOT Shared

Gold Star shares nonpublic personal information:
To companies involved in the loan process, such as appraisers, processors, title companies, credit reporting companies, insurance companies, and mortgage investors and/or mortgage servicers. These companies are a necessary part of the transaction and therefore we must provide at least some of your information to them. With service providers who assist us in processing the above mentioned functions.

Links to Other Websites
Gold Star’s website may include links to other websites, whose privacy practices may differ from our own. Any use of those websites will be governed by those privacy statements, and you are encouraged to familiarize yourself with the privacy statement of any website you visit.

Limit Sharing
You have the opportunity to limit the sharing of information to the extent permitted by law. If you wish to limit sharing or opt out, you must request that your information by removed by writing to:

Gold Star Mortgage Financial Group
ATTN: Compliance Dept.
100 Phoenix Drive, Suite 200
Ann Arbor, MI 48108
or calling: 734-971-9900

If you establish a new customer relationship with us after you opt out, your previous opt-out request will no longer apply.

Policy Changes
We may update this Policy in accordance with changes to our information security practices. We reserve the right to modify this Privacy Policy at any time without notice, but the most current version will always be available by clicking on the link at the bottom of the www.goldstarfinancial.com URL.

Additional Contact
You may contact our corporate headquarters if you have additional questions regarding our use of your information and the protections that we provide:

Gold Star Mortgage Financial Group, Corporation
Attn: Compliance
100 Phoenix Drive, Suite 200
Ann Arbor, MI 48108
Phone: 734-971-9900 

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