privacy notice
FACTS
WHAT DOES Sierra Pacific Mortgage Company, Inc. NMLS # 1788 DO WITH YOUR PERSONAL INFORMATION?
Why?
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.
What?
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 income
- Account balances and payment history
- Credit history and credit scores
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Sierra Pacific Mortgage chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Does Sierra Pacific Mortgage share?
Yes
Can you limit this sharing?
No
For our marketing purposes—
to offer our products and services to you
Does Sierra Pacific Mortgage share?
Yes
Can you limit this sharing?
Yes
For joint marketing with other financial companies
Does Sierra Pacific Mortgage share?
No
Can you limit this sharing?
We do not share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
Does Sierra Pacific Mortgage share?
No
Can you limit this sharing?
We do not share
For our affiliates to market to you
Does Sierra Pacific Mortgage share?
No
Can you limit this sharing?
We do not share
For non-affiliates to market to you
Does Sierra Pacific Mortgage share?
No
Can you limit this sharing?
We do not share
To Limit Our Sharing
We do not share
To limit direct marketing contact
Please note:
Direct marketing is email, postal mail, and telephone marketing. Your telephone and postal mail opt- out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.
Questions?
Who we are
Who is providing this notice?
Sierra Pacific Mortgage Company, Inc. NMLS: 1788
What we do
How does Sierra Pacific Mortgage protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also contractually require third parties doing business with us to comply with all privacy and security laws.
How does Sierra Pacific Mortgage collect my personal information?
We collect your personal information, for example, when you
- Apply for a loan or give us your income information
- Provide employment information or give us your contact information
- Provide account information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law
What happens when I limit sharing for an account, I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. Sierra Pacific Mortgage Company, Inc. A California Corporation NMLS: 1788 has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Sierra Pacific Mortgage Company, Inc. A California Corporation NMLS: 1788 does not share your personal information with non-affiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Sierra Pacific Mortgage Company, Inc. A California Corporation does not share your personal information to do joint marketing.
Other important information
Certain of our policies are designed to address the laws of the individual state in which you reside. Please note those individual circumstances below that may apply to you (If you are not a resident of the state indicated, such policies do not apply to you.)
New York Property Owners:
As the mortgage servicer, we are registered with the New York Department of Financial Services. Complaints may be filed about us with the New York Department of Financial Services. Additional information may also be obtained from the New York Department of Financial Services by calling the Department’s Consumer Help Unit at 800.342.3736 or by visiting the Department’s website at www.dfs.ny.gov. The actions of any vendors connected to the servicing of your account are the responsibility of Sierra Pacific, and all concerns should be sent to its attention at: 800.447.3386.
For California Residents Only
In accordance with California Law, we will not share information we collect about you with non-affiliated 3rd parties, except as permitted by California Law, such as to service your accounts.
For Nevada Residents Only
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To Limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone number – 702.486.3132; email BCPINFO@ag.state.nv.us
For Vermont Residents Only
In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by Vermont law.
Contact Forms
If you fill out a contact form on our web site, we store that information in a database and use the information to respond to you regarding the reason you contacted us. In addition, we collect phone contacts in the mobile app when you share the app.
ADDITIONAL ONLINE PRIVACY NOTCE FOR NEVADA RESIDENTS ONLY
Sierra Pacific Mortgage Company, Inc. (“Sierra Pacific”) utilizes websites and/or online services to collect the following information that is covered Nevada Senate Bill 538 (2017), which amended Chapter 603A of the Nevada Revised Statutes (collectively hereinafter referred to as the “Covered Information”):
- First and last names of our customers;
- Home or other physical addresses, which may include the names of streets and/or the names of cities or towns where our customers reside or receive U.S. Mail;
- Electronic email addresses;
- Telephone numbers;
- Social security numbers;
- Identifiers that allow our customers to be contacted either physically or online; and/or
- Other personally-identifiable information that you may provide or be asked to provide during your online experience.
We do not share this information with third parties without your consent. We have no affiliated companies. Prior to the time your account is opened, you may review and/or request changes to any of your Covered Information by contacting Sierra Pacific as follows:
Internet Privacy Notification - Compliance
Sierra Pacific Mortgage Company, Inc.
950 Glenn Drive, Suite 150, Folsom, CA 95630
Compliancedepartment@spmc.com
We and/or our third party vendors may collect additional Covered Information about your Online activities over time or across different Internet websites or Online services when you use this Internet website or our other Online services. That information will be treated in accordance with (1) this Nevada Privacy Policy, (2) the Privacy Policies of the Sierra Pacific Website, and (3) the Privacy Policies of the Sierra Pacific Online service you access or use.
We will notify you of any material changes to this Additional Online Privacy Notice for Nevada Residents Only via amendments to this Notice posting at this website address/URL.
01/2023