A VA approved lender; Mortgage Research Center, LLC – NMLS #1907.
Not affiliated with the Dept. of Veterans Affairs or any government agency.
Veterans United Home Loans Privacy and Website Security Policy
Veterans United Home Loans is not endorsed or sponsored by the Department of Veterans Affairs
or any government agency.
Consumer Privacy Notice
WHAT DOES VETERANS UNITED HOME LOANS
DO WITH YOUR PERSONAL INFORMATION?
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.
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 Credit Scores
Income and Assets
Employment Information and Credit History
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
personal information; the reasons Veterans United Home Loans
chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Veterans United Home Loans share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), responds to court orders and legal investigations, or report to credit bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
We Don't Share
For our affiliates' everyday business purposes - information about your transactions and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
We Don't Share
To limit our sharing
Call 855-857-3933 — our menu will prompt you through your choices, or
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
How does Veterans United Home Loans
protect my personal information?
To protect your personal information from unauthorized accessand use,
we use security measures that comply with federal law.These measures
include computer safeguards and secured files and buildings.
How does Veterans United Home Loans
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 show your government-issued ID
Give us your contact 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 nonaffiliates 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.
Companies related by common ownership or control. They can be
financial and nonfinancial companies.
Our affiliates include companies with a Veterans United, Military
United, and Mortgage Research Center name; and nonfinancial companies such as Veterans United Realty.
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
Veterans United Home Loans does not share with nonaffiliates so
they can market to you.
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
Veterans United Home Loans does not jointly market.
Other important information
Vermont Residents –
Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates.
California Residents –
Except as permitted by law, we will not share information we collect about you with nonaffiliates or
joint marketing partners while you are a resident of California.
Nevada Residents –
Call 1-855-857-3933 to be placed on our Do-Not-Call list. For more information, mail Veterans United Home Loans Call Center,
1400 Veterans United Dr., Columbia, MO 65203
or email email@example.com. You may also contact the Bureau of Consumer Protection,
Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900,
Las Vegas, NV 89101, call 702-486-3132, or email DBCPINFO@ag.state.nv.us. This notice is provided
pursuant to state law.
Your privacy matters to us 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 Online Privacy Notice applies to this Veterans United Home Loans website, brought to you by Veterans United Home Loans. We encourage you to review this policy to better understand how information we collect is used to provide you with exceptional service.
What We Collect
We collect two types of information through this site: Personal and Non-Personal.
Personal Information Personal information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
We may use Personal Information to:
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, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
We also collect Non-Personal information which includes, but is not limited to: your IP address, referral data, the web pages you view while visiting our site and your interactions with those pages.
We use this information to improved our site and better accommodate our visitors.
We utilize "cookies" throughout our site to improve your experience and to help us understand our visitors' needs. A "cookie" is a small text file that contains your anonymous information and is transferred onto your computer where it is stored, and then allows the website administrator to identify your computer and learn about how you use our web site. A "cookie" will not allow a web site to learn any personally identifiable information, like your name or address, which you otherwise would have disclosed. We use cookie information to identify and correct errors on our site and to determine the popularity of pages and to provide you with an excellent resource for mortgage information on the internet.
We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. 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.
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. FullStory.com does not collect or store your interactions with any form inputs that could be used to personally identify you. Data is stored by FullStory.com for up to 60 days after your web session. You may opt out of this usage tracking by clicking here.
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.
How We Use Your Submitted Information
As a result of submitting your telephone number and your request to receive more information on a loan, you will receive a call from a Home Loan Specialist. 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. If, however, after you have submitted your information to us and you no longer wish to be contacted at the phone numbers provided, you may instruct us to place you on our internal "do not call" list by calling us at 1-800-884-5560.
You may choose what information to provide us. You may choose to withhold certain information, but this may affect your ability to use certain features of our website. We encourage consumers to disclose all pertinent information so we can provide a high level of customer service and offer the best products for you.
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. We make significant efforts to protect this information.
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 firstname.lastname@example.org with the specific request.
For additional information on how Veterans United Home Loans makes use of the Personal Information you submit to us, please see our Consumer Privacy Notice.
How We Share your Information
We may be required to disclose certain personal information resulting from a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena, 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.
Once you submit your information to Veterans United Home Loans it may not be retracted. You will be contacted by a representative after you submit a request through our site or an affiliate site.
We may disclose any of the personal information that we collect from our customer or former customer to non-affiliated third party entities as permitted by federal and state law.
If you wish to prevent all 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
We comply with all relevant state and federal laws regarding the safeguarding of your personal information. Maintaining the security of your information is a top priority at Veterans United Home Loans, so please contact us with any questions or concerns that you have regarding this policy.
WE DO NOT DISCLOSE ANY NON-PUBLIC PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOU TO ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW
We restrict access to your stored non-public personal identifiable information to those employees that need to know this information in order to provide our services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your information against unauthorized access.
Children's Online Privacy Protection Act (COPPA):
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.
Our Secure System Protects You
To protect your personal 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.
General Policy Provisions
Veterans United Home Loans
1400 Veterans United Dr.
Columbia, MO 65203
Call (808) 465-3600 to speak with a Home Loan Specialist.
During your homebuying experience, Veterans United Home Loans works with a variety of third parties
and affiliates to promote a better homebuying experience. Many of our clients choose to use the services
of a real estate agent. While the choice to use a real estate agent during the transaction is an individual
one and is not a condition for service, Veterans United Home Loans is uniquely positioned to work hand in
hand with an agent if you choose to do so.
Your real estate agent works to help you throughout your homebuying process, from shopping for the perfect
home, all the way to helping you at the closing table. To promote a high level of service to you, Veterans
United may provide your real estate agent with a mobile application known as AgentEdge. The AgentEdge app
serves as a tool for your agent in order to provide transparency and encourage momentum during the loan
process. We share specific information with your agent so that he or she may better understand your needs.
This includes but not limited to:
Your contact information, including phone and email.
Your loan officer and his/her team’s contact information
How much you are preapproved for and the ability to generate a preapproval letter on your behalf
Ability to upload documents, such as purchase contract
Receive notifications when your file reaches important milestones
Veterans United Home Loans will not communicate information to your real estate agent unless we believe
they need to know the information to perform their duties as your agent. Veterans United clients may opt
out of providing their agent's access to the app at any time. Clients may contact
email@example.com or alert their
designated loan officer that they would prefer to not share the information with their agent. By submitting your
information, you agree to allow Veterans United Home Loans to release transaction information to your
real estate agent, if you choose to work with one.
Veterans United Home Loans (Last Updated: December 21, 2016)