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Privacy Policy
We at DirectCCH.com appreciate the sensitive nature of your non-public personal information. We will take every precaution to protect your privacy.

What Kinds of Information We Collect
When you apply for a loan, we ask for information needed to process your loan. We collect information about your financial status, employment, income, monthly expenses, assets, your social security number, and other information. Usually, you give us this information yourself, either in person or over the telephone. We may also collect information on applications, forms and documents you provide to us in person, by mail, overnight delivery service or by other means.
In addition, we receive information from consumer reporting agencies and other outside sources. This information may be about your credit status, payment history or your existing mortgage(s). DirectCCH.com may also obtain property tax and insurance information, and other information concerning your property needed to process your loan. DirectCCH.com also collects information about your transactions with us, our affiliates or with others.

Who has Access to this Information?
Within DirectCCH.com:
We restrict access to your non-public personal information to those employees who need to know the information so DirectCCH.com can provide you with our commerce services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public
personal information. For example, DirectCCH.com provides security measures for buildings, computer facilities and record storage facilities that contain non-public personal information.
Companies Affiliated with DirectCCH.com:
In the future, DirectCCH.com may expand its family of affiliated business entities in an effort to provide more diversified services. DirectCCH.com may, in the future, establish additional business entities offering additional related services. DirectCCH.com and such affiliates may share information for authorized purposes (including all of the information we collect that is described in Part One) as permitted by law. If you prefer that we not disclose such information to our affiliates for such purposes you may opt out of such disclosures. Information about how to opt out is set forth in Part Three of this page.

Outside Non-Affiliated Entities:
We sometimes may make limited customer information available to other carefully selected organizations that we believe can offer you a helpful service. Available information may include any information described in Part I. Such organizations may include:

non-financial companies, such as retailers, direct marketers, telemarketing organizations; and
other companies and organizations, such as non-profit organizations. These outside marketers must agree to keep your information confidential and not to share it with anyone else. You may choose not to have your information disclosed to these companies. Details about how to opt out of having information disclosed to such companies is set forth in Part Three of this page.

As Permitted or Required by Law.
Beyond the categories of potential information recipients described above in this Part Two, we do not disclose non-public personal financial information about our customers or former customers to anyone except as permitted by law. For example, DirectCCH.com may disclose non-public personal information with your consent or when the law requires us to disclose such information. We also may need to disclose a limited amount of non-public information to non-affiliated companies necessary to process, carry out and administer your loan.

A Note about Former Customers' Information.
Although we generally don't solicit customers who we no longer do business with, we may share their information (described in Part One) with DirectCCH.com affiliates, joint marketing partners, service providers and other third parties described in this Part Two. Former customers have the same opt out privileges as active customers. The opt out procedures are described in Part Three of this page. If you opt out of information sharing as an DirectCCH.com customer, this request will stand even if your relationship with us ends.


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