GenHome Mortgage Corporation (“GenHome”) is committed to maintaining the confidentiality of our customers’ private information. At GenHome, we understand our customers’ expectation of privacy and are committed to keeping all such personal financial information strictly confidential. This Privacy Policy outlines how we treat our customers’ most confidential information in order to maintain the trust that is needed for an ongoing, long-term relationship.
GenHome Mortgage Corporation’s Policy is developed for compliance with the Gramm-Leach-Bliley Act and various other federal and state laws relating to Consumer Privacy Protection. Federal law gives consumers right to limit some, but not all, information sharing. Federal law requires us to provide consumers with the following information regarding privacy:
To comply with all of the regulations, GenHome Mortgage Corporation utilizes various terms and we need to explain them so that you fully understand our Privacy Policy:
How GenHome Mortgage Corporation Collects Personal Information
We collect information from you when: (1) you fill out the necessary forms to process a transaction with us; (2) you register on our Consumer Site for an application; (3) you utilize the “Contact” Section of http://www.GenHomeMortgage.com; (4) you or an agent on your behalf provides information using GenHome’s Application Portal; and (5) we use others, such as credit reporting bureaus, affiliates, or other companies to obtain your information.
Types of Information Collected By GenHome Mortgage Corporation
When contacting us on our site, as appropriate, you may be asked to enter your name, mailing address, e-mail address and/or phone number.
Additionally, depending on the products and services being provided by us directly to you or through any agent(s) acting on your behalf, GenHome may request the following information from you or from an affiliated and/or nonaffiliated third-party to help provide that product or service:
When you are no longer our customer, we continue to use, store, and share the information described in this Privacy Policy as required by various federal and state laws.
Use of Information Obtained by GenHome Mortgage Corporation
GenHome stresses the importance of consumer privacy. However, all financial companies need to share customers’ personal information to run effectively. Nothing in this policy prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. To the extent that GenHome is authorized to have access to your personal information, GenHome may use the information in the following ways and for the following reasons:
Visitors to GenHome Mortgage Corporation’s Website
Visitors to our web site remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP addresses (a numeric address assigned automatically to computers when they access the Internet).
GenHome Mortgage Corporation’s Use of “Cookies”
We also may place “cookies” on a computer to track a visitor’s use of our web site, and to save your user preferences for future visits to our website. A “cookie” is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make navigating our site easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. We offer the use of a secure server. All sensitive/credit information submitted to our web sites is transmitted via Secure Socket Layer (SSL) technology only to be accessed by those authorized with special access rights to our systems, and who are required to keep the information confidential. Moreover, GenHome is Payment Card Industry (PCI) Compliant in processing all credit card payment transactions.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will be kept on file for up to 7 years depending upon state and federal laws that impose a duty on financial institutions, like us, to store particular information for specified periods. GenHome takes measures to protect your private information with respect to current and former employees and affiliates by implementing policies that provide for the management and oversight of protecting personal information. GenHome does not allow former employees to have access to your personal information. Current employees’ access to GenHome’s information system is limited, when possible, to what is necessary to complete their day-to-day responsibilities.
Third-Party Links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act Compliance
Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent. California consumers may opt-out of any such disclosures at any time by either:
Calling this number: 800-644-1258; or Contacting GenHome via email at info@genhomemortgage.com (please include your name, property address, and GenHome loan number)
However, if GenHome does not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.
Children’s Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website.
Your Consent
By using our site, you consent to our Privacy Policy.
Changes to our Privacy Policy
If we decide to change our privacy policy, we will update the Privacy Policy modification date below.
This Privacy Policy was last modified on 08/02/2021
Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.
GenHome Mortgage Corporation
Attn: Compliance Department
16815 Von Karman Ave, Suite 200
Irvine, CA 92606
United States
(800) 644-1258
www.GenHomeMortgage.com