Veterans United Home Loans Privacy and Website Security Policy

Online Privacy Notice

1. We Respect Your Privacy

   Mortgage Research Center LLC d/b/a Veterans United Home Loans (“Company” or “We”) respect your privacy, and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used.

   This policy describes the types of information we may collect from you or that you may provide when you visit veteransunited.com (our "Website" or “Site”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

   This policy applies to information we collect:

   • On this Website.
   • In email, text, and other electronic messages between you and this Website.
   • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

   It does not apply to information collected by:

   • Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
   • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

2. Information We Collect and How We Use and Share Such Information

   We collect information that you provide to us, and through your use of this Site. We collect this information when you fill out forms or surveys; when you complete a loan application with us; when you register for, or sign into, a MyVeteransUnited account; or when you visit or interact with webpages on the Site.

   We collect information which includes, but is not limited to: name; postal or email addresses; telephone; fax or mobile numbers; account numbers; and any other information you may provide to us in regards to your mortgage eligibility. We also collect information that your device provides automatically, which includes, but is not limited to: your IP address; device ID; the web pages you view while visiting our Site, and how you interact with them; information from cookies, pixels, web beacons, and other online identifiers.

   We use the Information that we collect for the following purposes:
   • to present our Website and its contents to you;
   • to provide you with information, products, or services that you request from us;
   • to respond to your inquiries and fulfill your requests;
   • to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
   • to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
   • to personalize your experience on the Site;
   • for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
   • for risk control, fraud detection, and fraud prevention, in order to comply with laws, regulations, and other legal process and law enforcement requirements; and
   • in response to a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena or court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.

   For additional information on how Veterans United Home Loans makes use of the information you submit to us, please see our Consumer Privacy Notice.

   We use "Cookies", "Web Beacons", and other methods to identify and correct errors, evaluate page popularity and statistics, and to personalize and improve your experience on our website. These technologies allow us to improve our advertising efforts and tailor your customer experience to reduce unnecessary ads. To learn more about cookies, including how to manage or delete cookies, please visit http://www.allaboutcookies.org/.

   We may use other companies’ analytics and tracking tools that receive information from you when you use our Site, including technology from Google Analytics, Google Doubleclick, Meta (including but not limited to Facebook or Instagram) and others, to help us track, segment, and analyze usage of the Site, and to help us serve more targeted advertising. These tools may use technology such as cookies, tags, pixels, SDKs, and similar technologies to track online activity.

   We use FullStory.com to collect information regarding your use of our Site, including pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider.

3. Opt-Out Provisions and Consumer Choice

   Once you submit your information it may not be retracted. You will be contacted by a representative after you submit a request through our Site or an affiliate Site.

   California "Do Not Track" Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, Veterans United Home Loans websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.

   Federal and state laws require us to maintain certain loan qualification forms for set periods of time. In order to comply, we may be unable to delete certain information from our systems once you supply it to us.

   You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page, or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.

   If you wish to prevent websites from tracking your website usage data via FullStory.com, you may opt out by navigating to https://fullstory.com/optout and clicking "Opt out of FullStory." Opting out will create a cookie that tells FullStory.com to turn off recording. The presence of this cookie is required to continue opting out, so if you clear your browsing cookies, you will need to opt-out again.

   You can opt out of receiving interest-based advertising from members of the following groups by visiting their websites:

   • Digital Advertising Alliance (DAA): https://optout.aboutads.info/?c=2&lang=EN
   • Network Advertising Alliance (NAI): https://optout.networkadvertising.org/?c=1

   As a result of submitting your telephone number and your request to receive more information, you will receive a call or text from Veterans United Home Loans. You may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry. However, if you have submitted your information to us and you no longer wish to be contacted at the phone number(s) provided, you may instruct us to place you on our internal "do not call" list by calling us at 1-800-884-5560.

   Veterans United Home Loans may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email customer_service@veteransunited.com with the specific request.

4. Children's Online Privacy Protection Act (COPPA):

   1. This Site is intended for individuals age 18 and older. Children under the age of 13 should not use this Site, and are expressly prohibited from using our services.

5. Our Secure System Protects You

   1. To protect your information from unauthorized access and use, Veterans United Home Loans uses physical, electronic, and procedural safeguards. Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information. As a consumer, you should always safeguard your personal information and protect yourself from potential identify fraud.

6. General Policy Provisions

   1. The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any changes.
   2. You may receive copies of this privacy policy as well as the terms and conditions by sending an email detailing your request to customer_service@veteransunited.com or by sending a written request to:
   3. Customer Service
      Veterans United Home Loans
      1400 Forum Blvd. Ste. 18
      Columbia, MO 65203
   4. Call 1-800-884-5560 to speak with a representative.

California Consumer Privacy Act Notice

Last Updated: 03/01/2024

This Privacy Notice for California Residents supplements the information contained in Veterans United Home Loans' Online Privacy Notice ( https://www.veteransunited.com/privacy/) and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:

• Publicly available information from government records.
• Lawfully obtained, truthful information that is a matter of public concern.
• Deidentified or aggregated consumer information.
• Information excluded from the CCPA's scope, like:
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Your Personal Information

We do not sell the personal information, or the sensitive personal information we collect. We do not share the personal information, or sensitive personal information, that we collect with third parties for cross-context behavioral advertising.

In particular, we collect the following categories of personal information and sensitive personal information listed in the tables below. The tables also list, for each category, our use purposes, and whether we sell the information or share it with third parties for cross-context behavioral advertising.

Data Retention

We store your personal information for different lengths of time depending on the category of personal information and the purpose for its collection and use. We will retain your data for as long as needed, or permitted, based on the reason why we obtained it. We will not retain personal information for longer than is reasonably necessary for any disclosed purposes. This means we may retain your personal information even after you close your account with us. Some information may be deleted automatically based on specific schedules, such as financial information. Other information (e.g., account information), may be retained for a longer period of time. Finally, we may further retain information for business practices based on our legitimate business interests or legal purposes, such as network improvement, fraud prevention, record-keeping, or enforcing our legal rights or defending legal claims.

When deciding how long to keep your information, we consider criteria, such as:

• The duration, and nature, of any relationship with you or service that we have provided to you;
• Whether we are subject to any legal obligations (e.g., any laws that require us to keep transaction records for a certain period of time before we can delete them); or
• Whether we have taken any legal positions (e.g., in connection with any statutes of limitation or in response to any legal hold or regulatory requests).

Rather than delete your data, we may de-identify it by removing identifying details.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from forms you complete, mortgage applications, or products and services you purchase.
• Indirectly from you. For example, from observing your actions on our Websites.
• From our affiliates.
• From third parties, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained.
• From our service providers and contractors, who we engage to further our business purposes

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to apply for a loan or ask a question about our products or services, we will use that personal information to respond to your inquiry.
• To provide, support, personalize, and develop our Website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our consumers is among the assets transferred.
• For auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
• To help ensure security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for these purposes.
• For debugging to identify and repair errors that impair existing intended functionality.
• For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us, provided that your personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with us.
• To perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services.
• To provide advertising and marketing services, except for cross-context behavioral advertising, to you.
• For undertaking internal research for technological development and demonstration.
• For undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.
• To advance a person’s commercial or economic interests, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Use of Sensitive Personal Information

We may use or disclose the sensitive personal information we collect for one or more of the following purposes, provided that the use of your sensitive personal information is reasonably necessary and proportionate for this purpose:

• To perform the services reasonably expected by your request.
• To prevent, detect, and investigate security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
• To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.
• To perform services on behalf of our business such as maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, or providing financing.
• To ensure the physical safety of natural persons.
• For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with our business.
• To verify or maintain the quality or safety of a service, that is owned, or controlled by us, and to improve, upgrade, or enhance the service that is owned, or controlled by us.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• For purposes that do not infer characteristics about you.

We will not collect additional categories of sensitive personal information or use the sensitive personal information we have collected for materially different, unrelated, or incompatible purposes without providing you notice.

Disclosing Personal Information

We may disclose your personal information to a service provider or contractor for a business purpose, subject to your right to opt-out of those. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract or as otherwise permitted by you. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.

We disclose your personal information with the following:

• Service providers.
• Contractors.
• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we and/or third parties provide to you.

Sales of Personal Information

In the preceding twelve (12) months, Veterans United Home Loans has not sold personal information.

Your Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

California residents who are employees, job applicants, or former employees of Veterans United Home Loans click here to view our CCPA Notice for Employment Purposes

Right to Know Request - Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.
• If we disclosed your personal information for a business purpose the categories of information we shared.

Information we collect or share in our role as a financial institution may not be included in your Right to Know response.

If you request that we disclose the required information beyond the 12-month period, then we shall provide that information unless doing so proves impossible or would require a disproportionate effort. Your right to request required information beyond the 12-month period, and our obligation to provide that information, only applies to personal information collected on or after January 1, 2022.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
2. Help to ensure security and integrity to the extent the use of the consumer's personal information is reasonably necessary and proportionate for those purposes
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.

Right to Correct Inaccurate Information

You have the right to request that we correct any inaccurate personal information that we maintain about you. Once we receive and confirm your verifiable consumer request, we will use commercially reasonable efforts to correct the inaccurate personal information as directed by you. In responding to your request, we will take into account the nature of the personal information, and the purposes of the processing of the personal information.

Exercising California Consumer Rights Requests

To exercise the access, data portability, correction, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 855-857-3933.
• Visiting https://www.veteransunited.com/ccpa-request/

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

We will deliver our written response by email to the primary email address that you submit with your request.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which Veterans United Home Loans collects and uses your information described above and in our Privacy Policies, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 855-857-3933
Website: https://www.veteransunited.com/privacy/
Postal Address:
Veterans United Home Loans
Attn: VUHL Customer Service
1400 Forum Blvd. Ste. 18
Columbia, MO 65203

Call 1-855-857-3933 to speak with a Home Loan Specialist.