Privacy Policy

PLEASE READ CAREFULLY

The following is a privacy policy of A-Plus. We are required by law to send this to you annually as long as you remain a customer of  A-Plus or its affiliated companies. You should read this privacy policy carefully and contact us at the address listed below if you have any questions or wish to exercise your right to have restrictions placed upon the transfer of your personal information.

  • Types of Information Collected by A-Plus

We collect non-public personal information about you from the following sources: (a) information we receive from you on applications or other forms; (b) information about your transactions with us, our affiliates or others; and (c) information we receive from mortgage settlement service providers, such as consumer reporting agencies.

  • Types of Information That  A-Plus Discloses

We may disclose all of the information that we collect, as described above.

  • Categories of Affiliates and Third Parties that Receive Information From A-Plus

We may disclose all of the information that we collect to our affiliated companies.  We may disclose information about you to the following types of third parties: (a) financial service providers, such as mortgage lenders, banks, securities companies and insurance companies; (b) non-financial companies, such as retailers, direct marketers, airlines, and publisher; and (c) other companies that may wish to offer you the opportunity to consider their products or services. (In addition, we may also disclose information about you to non-affiliated third parties as permitted by law.)

Finally, we may disclose all of the information we collect about you to persons or companies that we contract with to provide outside services or with whom we engage in joint marketing arrangements.  The types of person or companies with whom we may provide information include data processing companies, participants in the loan.

  • Disclosure of Information About Former Customers of  A-Plus .We may disclose all of the information that we collect regarding our former customers.  This information may be disclosed to our affiliated companies and to third parties.

FCRA Disclosure

The Fair Credit Reporting Act-Known as the FCRA-governs how certain customer information is shared with our affiliated companies.  Unless you notify us in the manner indicated below, A-Plus will share certain financial information about you with its affiliated companies.

  • What Information

Unless you tell us not to, A-Plus may share with companies in our corporate family information about you including: (a) information we obtain from your application, such as your income or your marital status; (b) information we obtain from a consumer report, such as your credit score or credit history; (c) information we obtain to verify representations made by you, such as your credit balances; (d) information we obtain from a person or company regarding an employment, credit, or other relationship with you, such as your employment history.

  • Shared With Whom

Companies in A-Plus corporate family who may receive this information are lenders, tax preparers, insurance agents and financial advisors.

  • How to tell us not to share this information with our corporate family

If you prefer that we not share this information with companies in our corporate family, you may direct us not to share this information by following the notification instructions below.

Note: Your right to limit information we share with affiliated companies is limited by the terms of the FCRA-we may share certain information about you with our corporate family as permitted by law.

  • Plus’s Policies and Procedures To Protect the Confidentiality and Security of Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

 

Notice of Your Right to Opt-Out of the Disclosure of Information

If you prefer that we not disclose information about you to affiliated or non-affiliated third parties, you may “opt-out” of those

disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).

If you wish to opt-out of disclosures, you may complete the form below and send it to us at:

A-Plus Mortgage LLC

THE SUMMIT SOUTH, SUITE 101

300 CENTERVILLE ROAD, WARWICK, RI 02886