At Century Mortgage Company, we recognize our obligation to keep your private information secure and confidential. This notice will provide you with details concerning how we use this information, and our data security measures that apply to our recordkeeping system, website, and customer information.
We comply with all applicable state and federal privacy laws, including but not limited to, the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act
How Do We Collect Information? All personal and/or financial information and/or authorizations you provide to us are voluntary. We collect non-public information about you from information provided on your loan application and other documents; information or documents you supply to Century or your loan originator during the loan process; and information we receive from consumer reporting agencies. We also collect information from records maintained by or on behalf of Century, which may include information in your loan servicing file or you’re your hazard insurance provider. We may also collect public or non-public information from third parties, such as third party brokers, credit reporting bureaus, courts, or other public and non-public sources.
What information do we gather? Non-public information that we collect includes:
- Personal identifying information, including information such as your name, address, social security number in whole or in part, telephone number, email address, date of birth;
- Financial information, including but not limited to income information, employment and tax information, individual account numbers, bank information, asset information, liability information, account balances and payment history;
- Credit history and credit scores; and
- Other information deemed necessary to provide our services or products to you.
How Is Non-Public Information Used? We do not disclose non-public information except as permitted by law. We use non-public information as needed to process your request for our services, products or information. For example, if you apply for a mortgage loan with Century, we will use non-public information to determine your eligibility for certain mortgage loans and then, if appropriate, to process and close your mortgage loan. If Century administers or services your mortgage loan, then we will use non-public information to complete our servicing duties, which may include processing of payments or working to resolve issues or disputes related to your mortgage loan. We train our employees to protect your non-public information. We may also use information we collect for analytical, statistical, research or marketing purposes, as allowed by law.
We do not sell our customer lists, customer information, or non-public information. As permitted by law, there are situations in which your public or non-public information may be shared with service providers. These situations include:
- Information provided to loan servicers, subservicers, master servicers, or providers of mortgage loan services, and as permitted by law;
- Information provided to investors, banks, trusts, trustees, agencies, organizations, or entities holding an interest in your mortgage loan or evaluating the purchase, assignment, or transfer of your mortgage loan;
- Regulatory agencies such as the Consumer Financial Protection Bureau, the U.S. Department of Housing and Urban Development and state departments of financial institutions;
- Courts or attorneys who serve us with a subpoena;
- Successor investors and assignees or fiduciaries;
Patriot Act Disclosure: To help the United States government prevent fraud and fight the funding of terrorism, money laundering and related activities, Federal law requires that we obtain, verify and record information that identifies each person who applies for a mortgage loan through Century Mortgage Company d/b/a Century Lending Company. We will ask you for your name, address, date of birth, and other identifying information. We may also inspect and/or copy your driver’s license or other identifying documents. If you fail or refuse to provide such information, we may decline to open an account or establish or continue a customer relationship with you.
Safeguarding Social Security Numbers and Non-Public Information: Century Mortgage Company d/b/a Century Lending Company collects social security numbers and non-public information in order to allow us to provide services to you; and to support federal, state and local legal requirements. We restrict access to social security numbers to those employees and service providers who require those numbers to support these purposes. We will not disclose your social security number to any third parties except as otherwise stated in this Notice, or as permitted by law. We strive to protect social security numbers known to us by maintaining physical, electronic, procedural, and technological safeguards in compliance with state, local and federal regulations.
Cookies and Similar Informational Devices: Specific pages and programs of our website may utilize “cookies” or other devices designed to assist you with your use of our website, as well as provide us with statistical information. We may use cookie technology or other online tracking technologies to gather information about your visit and use of our website in order for us to measure website activities, surfing trends, referral trends, internet service provider information, and other statistical data. This will assist us with our efforts to design the most useful website for you and our customers.
Equal Housing Lender: Century Mortgage Company d/b/a Century Lending Company is an equal housing lender. This means that we conduct our business in accordance with the Federal Fair Housing Law and its amendments. The Fair Housing Law states that it is illegal to discriminate against any person because of race, age (over 18), national origin, color, religion, sex, familial status, or handicap in the financing of housing.
In accordance with the federal Fair Lending laws and our own anti-discrimination policies, we will not take any of the following actions based upon race, age (over 18), national origin, color, religion, sex, familial status, or handicap:
- Refuse to make a mortgage loan
- Impose different terms or conditions on a loan, such as different interest rates, points or fees;
- Discriminate in any way in regard to the financing of a mortgage loan
- Refuse to purchase, sell, assign, service or otherwise deal with a mortgage loan;
- Set different terms or conditions relating to the purchase, sale, assignment, servicing or other dealing with any mortgage loan
We do business in accordance with the Federal Fair Housing Law. Anyone who feels that he or she has been discriminated against may file a complaint of housing discrimination by calling 1-800-669-9777 (toll-free), or 1-800-927-9275 (tdd), or by contacting the U.S. Department of Housing and Urban Development, Assistant Secretary for Fair Housing and Equal Opportunity, Washington, D.C. 20410.
Modification of Policy: This Policy is effective as of January 1, 2011. We reserve the right to amend, alter, update, or otherwise change this Policy at our discretion. Any changes to this Policy will be posted to this web page in a timely manner.
General Disclosure: Century Mortgage Company d/b/a Century Lending Company shall not be held responsible or liable for the quality or results or products, services, or promises of any third party. Our website and its programs, functions and features are offered on an “as-is” basis only with no guarantees, promises, or covenants. Century Mortgage Company has no affiliate entities, parents or subsidiaries; Century Mortgage Company has no affiliation with Century Mortgage Lending of Michigan or New Century Mortgage Company.
Questions and Comments: If you have questions or comments regarding this Notice or any other policy or practice of Century, please contact us at: Legal Department, Century Mortgage Company d/b/a Century Lending Company, 9931 Corporate Campus Drive, Suite 1200, Louisville, KY 40223.