Homestar Financial Corporation Digital Privacy and Cookies Policy
Introduction and Scope of Policy
Homestar Financial Corporation takes our clients’ financial privacy very seriously. During the course of processing your application, we accumulate nonpublic 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 personal information.
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 agency.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
Scope of Policy
At Homestar Financial Corporation, we want you to know that we are serious about our responsibility to keep your information confidential and secure. This notice explains how we protect, collect, and share your information. Please read this carefully to understand what we do. Maintaining your privacy and safeguarding your confidentiality is of extreme importance to us.
Collecting your personal information allows us to assist you with your financial needs. Only our employees who need to have access to your information to perform their jobs are authorized to have access to your personal information.
Collection and Use of Your Personal Information
We only collect your personal information when you voluntarily submit a loan application to us. We may ask you to show your Driver's License, provide your employment history, provide us your contact information, or give us your wage statements. We may also need information concerning your assets, income, debts, and obligations. To process your loan application, we also collect your personal information from others, such as consumer reporting agencies.
The types of information we collect and share depend on the product or service you have with us. This information can include the following:
- Social Security number
- Household income
- Account balances
- Payment history
- Credit history
- Credit scores
- Contact information
- Property value
We may also provide certain information to others when the law requires it, for example, when the information is subpoenaed to prevent fraud or to comply with a request from a government regulator or agency.
Homestar Financial Corporation does not sell its customer lists, customer information, or nonpublic information. When allowed by you and as permitted by law, there are instances when your personal information may be shared with third parties. These third parties that receive your information may not use this information for their own purposes and may not give it to anyone else unless it is to help close your loan. To process your transactions, maintain your account, or report to credit bureaus, we cannot limit this sharing. All financial companies need to share customers’ personal information to run their everyday business.
Federal and state regulations require that we store completed loan applications and information for a certain period of time. We must comply with these regulations and cannot completely delete your information until the requisite amount of time has passed.
Agreement to Policy
By using this site or any of Homestar Financial Corporation’s advertisements, pages, or links, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.
Opt Out Options
We will only contact you to offer our products and services to you. We also can share your information for joint marketing with other financial companies.
When you are a new customer, we can begin sharing your information 60 days from the date we send this notice. When you are no longer a customer, we continue to share your information as described.
You can limit this sharing by contacting us at any time through the methods listed below.
If you would like to opt out of our marketing and communications, please email us at [email protected].
Homestar Financial Corporation reserves the right to amend this Policy. If we make updates to this Policy, we will update the Policy with the changes and revise the “date of most recent update” posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the site. Your use of this website following the update to the Policy means that you accept the updated Policy.
Homestar Financial Corporation must create a privacy protection policy which must be published or publicly displayed. “Publicly displayed” includes, but is not limited to, posting on an Internet webpage. The policy must:
- protect the confidentiality of Social Security numbers;
- prohibit unlawful disclosure of Social Security numbers; and,
- limit access to Social Security numbers.
To ensure that consumers’ inquiries are handled promptly, courteously, and accurately, some of the phone calls between you and us or any of our affiliates, agents, assigns, and service providers may be monitored and recorded by us and any of our affiliates, agents, assigns, and service providers, to enhance service to you. You consent to this monitoring and recording.
You expressly consent and agree that Homestar Financial Corporation and its affiliates, agents, and service providers may use written, electronic, or verbal means to contact you. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails, and/or automatic telephone dialing systems. You agree that Homestar Financial Corporation and its affiliates, agents, and service providers may use any email address or any telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result. You further agree that Homestar Financial Corporation may send emails to you at any email address you provide us or use other electronic means of communication to the extent permitted by law. You have the right to opt in or opt out of this communication agreement at any time and by any reasonable means.
Consumers and borrowers may receive 4-8 messages a month regarding our financial products and services.
For support/help, from your mobile phone, text HELP to 46279 or call toll-free at 1-855-983-0138. You can also email us at [email protected] for additional information.
If you have any questions and/or concerns concerning this Policy, please contact us at 1-855-983-0138, through our website at www.homestarfc.com, or via email at [email protected].