This Privacy Policy describes the information Consumer Credit Services, LLC.
("Consumer Credit Services, LLC," "we," "us" or
"our") collects about you, how we use and share that information, and
the privacy choices we offer. This policy applies to information we collect
when you register for Consumer Credit Services, LLC's
mortgage broker services, access or use our website, mobile applications,
products, and services (collectively, the "Services"), or when you
otherwise interact with us. As used in this Privacy Policy, the term
"Site" includes: all websites and all devices or applications
operated by Consumer Credit Services, LLC that collect personal information
from you and that link to this Privacy Policy; pages within each such website,
device, or application, any equivalent, mirror, replacement, substitute, or
backup website, device, or application.
By using our website, you are consenting to the use of information and agreeing
to these guidelines and the other Consumer Credit Services, LLC policies
described on our website.
Because of the financial nature of our business, our websites are not designed
to appeal to children under the age of 13. Therefore, we don't knowingly
attempt to solicit or receive any information from children.
CONSUMER CREDIT SERVICES, LLC CONSUMER PRIVACY PRINCIPLES
Your privacy is critically important to us. At Consumer
Credit Services, LLC we have some fundamental principles on consumer privacy
that we have adopted an integral part of our Company values:
We tell you how and why we use the information you provide to us.
We give you choices about how the personally identifiable information that you
provide to us may be used.
We provide you the opportunity to update or correct your personally
identifiable information.
We work to protect personally identifiable information from loss, misuse, or
unauthorized alteration.
We provide various ways for you to contact us about our information practices
and other aspects of privacy.
WE TELL YOU HOW AND WHY WE USE THE INFORMATION YOU PROVIDE TO US.
To maximize the value of our services, we may request information from you when
you visit our websites. Consumer Credit Services, LLC may collect personal
information about you, including but not limited to the following:
Registration Information: When you register, you select a member ID name by
which we will know you, choose a password and provide us an Email address. You
use the member ID name and password to gain access to your loan application
information, financial profile and/or customized rates. We use your contact
information to provide you with alerts and updates regarding your loan status,
which is part of the Consumer Credit Services, LLC service. 

Identification Information: You may also be asked to provide identification
information to confirm your identity, including your first and last name and
certain financial information.
Credit Report: By submitting a loan application or a request to be
pre-qualified to us, you authorize us to share your credit report with our
affiliates and partners only to process your loan application. Credit reporting
agencies may share your information with other companies when you apply for a
home loan. This may cause you to receive Email or phone calls that you didn't
ask for, offering credit cards, refinancing or other loan products. You can
stop these calls and Emails by opting out of these prescreened credit offers.
Simply call (888) 567-8688 or visit www.optoutprescreen.com.
Application Information: You may also be asked to provide additional
information that will be provided to third-party sources of funding in
connection with your applications for funding from those third-party sources,
including certain financial information and other documents required by the
third-party source of funding to complete an application.
Third-Party Sites: You may also enter in certain passwords, usernames, account
numbers, and other account information for third-party sites and Internet
services ("Third-Party Sites"). In order to display information to
you or to fulfill your requests for certain products and services through a
Service, we may collect, on your behalf, your account and other personal
information from Third-Party Sites that you register under your account via the
Service. We may also collect information about you from credit bureaus, mailing
list providers, publicly available sources, and other third parties. Consumer
Credit Services, LLC uses third parties to gather your data from financial
institutions. By using our Service, you grant our third-party provider the
right, power, and authority to act on your behalf to access and transmit your
personal and financial information from the relevant financial institution
according to terms of our third-party providers’
privacy policies.
Service Providers: We may also supply the information you provide, on a
strictly confidential basis, to service providers, such as wholesale lenders,
title companies, appraisers, credit reporting services, etc., who assist us in
qualifying, processing, closing and servicing your loan. For example, we may
use service providers to enhance our website technology, deliver products, or
to send Emails. When we employ service providers, we may need to share your
personally identifiable information. Service providers are strictly prohibited
from using your personally identifiable information for purposes other than to
act on our behalf.
Consumer Credit Services, LLC uses Plaid Technologies, Inc. (“Plaidâ€) to gather End User's
data from financial institutions. By using our service, you grant Consumer
Credit Services, LLC and Plaid the right, power, and authority to act on your
behalf to access and transmit your personal and financial information from the
relevant financial institution. You agree to your personal and financial
information being transferred, stored, and processed by Plaid in accordance
with the Plaid Privacy Policy, found here: https://www.plaid.com.
Referral Partners: We may also collect application information, including
personal information, about you from our third party referral partners.
Information Collected by Cookies and Web Beacons: We use various technologies
to collect information, and this may include sending cookies to your computer
or mobile device. Cookies are small data files that are stored on your hard
drive or in device memory by a website. Among other things, cookies support the
integrity of our registration process, retain your preferences and account
settings, and help evaluate and compile aggregated statistics about user
activity. We may also collect information using web beacons. Web beacons are
electronic images that may be used in our Services or emails. We may use web
beacons to deliver cookies, count visits, understand usage, and determine
whether an email has been opened and acted upon.
Technical and Navigational Information: We may collect your computer browser
type, Internet protocol address, pages visited, and average time spent on our
Site. This information may be used, for example, to alert you to software
compatibility issues, or it may be analyzed to improve our web design and
functionality.
Mandatory and Optional Information: We identify what information is required to
fulfill your request. If you chose not to provide mandatory information, we
will not be able to provide you the service you are requesting. As part of your
use of our website, we may collect information that my include your name,
address, social security number, the location and value of the property related
to the requested loan products or services, financial information about your assets
and income, financial accounts, insurance and other information. As part of
this process, you consent to Consumer Credit Services, LLC obtaining a credit
report and for us to use that information as described in this policy. We will
also collect information about your activity on the Consumer Credit Services,
LLC websites and use that information as described in this policy.
Service Alerts and Critical Notices: Although we respect and honor the privacy
preferences you have expressed, we may need to contact you to inform you of
specific changes that may impact your ability to use this service or for other
critical non-marketing purposes, such as bug alerts. We may also contact you to
respond to your specific requests, to clarify the order information you
provided to us, or to notify you of upcoming subscription expiration dates.
Change of Control: Your personally identifiable information may be transferred
in connection with a sale, merger, transfer, exchange or other disposition of
all or a portion of a business of Consumer Credit Services, LLC.
Changes to Our Privacy Policy: If we plan to make significant changes to any of
our privacy policies or practices with respect to how we use personally
identifiable information, we'll post those changes to the Consumer Credit
Services, LLC website.
Legal Disclosures: In some cases we may disclose certain information to comply
with a legal process, such as a court order, subpoena, search warrant, or law
enforcement request.
WE GIVE YOU CHOICES ABOUT HOW THE PERSONALLY IDENTIFIABLE INFORMATION THAT YOU
PROVIDE TO US MAY BE USED.
We give you the opportunity to control the use of your personal information for
purposes other than to fulfill your request or as is required to process, close
and subsequently service your loan. For example, on occasion we may use your
contact information to send you promotional communications about Consumer
Credit Services, LLC products. If you do not wish to receive such
communications, you may specify your contact preferences during the information
collection process or you may send an email to help@ccshomeloans.com.
WE PROVIDE YOU THE
We provide you the opportunity to update or correct the contact and loan
application information that you have provided to us. You may review and update
information stored in your application online until you submit your
application. Once you have submitted your application, you may only change the
information by directly contacting us at help@ccshomeloans.com.
WE WORK TO PROTECT PERSONALLY IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, OR
UNAUTHORIZED ALTERATION.
We employ industry recognized security safeguards to help protect the
personally identifiable information that you have provided to us from loss,
misuse, or unauthorized alteration. All data sent to Consumer Credit Services,
LLC is protected with technology that enables encryption of your data. We use:
Secure Socket Layer (SSL): The Consumer Credit Services, LLC Web server
supports the Secure Socket Layer (SSL) transaction protocol originally
developed by Netscape and now largely accepted as an industry standard. The
purpose of this encryption protocol is to keep confidential the information
passed back and forth between a Web server and its users.
128-Bit Domestic Grade Strong Encryption: Consumer Credit Services, LLC uses
128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially
available for Internet products. (However, be aware that if you are using a
40-bit browser, your encryption level, while secure, is not the highest level
available.)
WE PROVIDE VARIOUS WAYS FOR YOU TO CONTACT US ABOUT OUR INFORMATION PRACTICES
AND OTHER ASPECTS OF PRIVACY.
Questions regarding the Consumer Credit Services, LLC website's privacy
statement, our online privacy policy, our information practices or other
aspects of privacy on our websites, should be directed to us by email to help@hiConsumer Credit Services, LLC.com.
Consumer Credit Services, LLC is a licensed mortgage broker.
2814 Spanish Cove Trail
NMLS Consumer Access
© 2018 Consumer Credit Services, LLC.