Quaint Oak Mortgage Disclosures
We will use certain terms in this notice that are defined as the following:
We, our and us
This will always mean Quaint Oak Mortgage.
You and your
This means our customers with whom we have a continuing relationship through one or more accounts and also consumers who may use a service we provide without any real account relationship or someone who may have applied for a loan and was declined.
Publicly available information
Information that is lawfully available to the general public from official public records (such as real estate records or securities filings), information from widely distributed media (such as telephone books, television, radio or newspaper) or information that is required to be disclosed to the general public by Federal, State or Local law (such as security filings).
Nonpublic personal information
Personally identifiable financial information that is not available from public sources.
Any company under common control by another company.
Non-affiliated third party
Any person or corporate entity that is not an affiliate or is not a joint employee of a financial institution or third party.
Consumer Reporting Agency
A person or business which makes a practice of collecting and evaluating consumer credit information for the purpose of furnishing consumer reports to third parties.
CATEGORIES OF INFORMATION WE COLLECT
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms
Information about your transactions with us, our affiliates, or others
Information we receive from a consumer reporting agency.
CATEGORIES OF INFORMATION WE MAY DISCLOSE ABOUT YOU
We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law
CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and service to you
We maintain physical, electronic or procedural safeguards that comply with federal standards to guard your nonpublic personal information