Privacy Policy

Information Covered by this Policy

Our Policy covers all non-public, personal information received by us that may be used to
identify you (“Personal Information”).

How We Obtain Personal Information

We rely on many sources of information to understand and meet your needs. We may receive personal information about you from:

•  You directly, when you complete an application or when you visit us in person, over the
  phone, through the mail or through our websites;
• Your transactions with OPM Capital Finance;
• Consumer reporting agencies;
• Mortgage, Title, appraisal or other companies connected with a financial product or service involved in the sale or purchase of your home;
• Your employer;
• Anyone who you have authorized to provide information and
• Other sources, in connection with providing you a financial product or service.

Although we do not receive personally identifiable information from your browser, we monitor certain types of information about visitors to our website–namely, the type of browser used, their country, whether they were referred to us by a search engine, which of our pages they visit, and how those pages perform on their computer. This helps OPM Capital Finance make decisions on how to better design, streamline, and improve performance on our websites. If you do not want this information monitored, you may turn off JavaScript. Please be advised, however, that the websites may not provide full functionality if those settings are turned off. We may also use “cookie” technology to improve your experience on our site.

We do not knowingly collect Personal Information from children and will destroy such information if it is disclosed to us without proper parental consent.

Information Sharing with non-OPM Capital Finance Companies

In order to be able to provide a full range of services for your needs and make recommendations about a variety of the services offered by OPM Capital Finance, we may share Personal Information with non-OPM Capital Finance companies. Depending on the type of services you are to receive, OPM Capital Finance may work with and provide your information to companies or persons outside of OPM Capital Finance to provide those services to you. For example, OPM Capital Finance may share personal information to:

• service and support our operations generally and to support your account and services
  that we provide to you, including proposed or actual financing, securitization, secondary
  market sale, or similar transactions.
• process or administer a transaction or product in connection with a product or transaction
  that you have requested;
• process and store data;
• those you have authorized us to disclose the information;
• other suppliers with whom we have agreements to offer services to you through or with
  OPM Capital Finance.

We may also share your Personal Information with these other organizations outside of OPM Capital Finance when required by law. For example, we may share personal information to:

• protect against fraud;
• respond to a subpoena or summons or;
• respond to law enforcement or regulatory authorities.

We will not disclose your Personal Information to anyone outside of OPM Capital Finance unless you have authorized us to do so or as otherwise indicated in this Policy or as required by law.

We maintain agreements with our external suppliers limiting the use of your Personal Information only for the purposes you have intended in providing the information. These suppliers are bound to uphold our standards and procedures regarding privacy under the terms of our agreements with them.

Data Security

OPM Capital Finance will make every reasonable effort to keep Personal Information safe and secure by maintaining up to date computer security software suitable to the size and scope of the business. OPM Capital Finance retains Personal Information for as long as we have determined it is needed for the purposes for which it was received or as required by contractual, record keeping or other legal requirements.

We limit access to personal information about you to those employees who need to know that information to provide products and services to you. We do not sell your personal information.

We maintain physical, electronic, and procedural safeguards to protect your Personal Information. We regularly assess security standards and procedures to protect against unauthorized access to Personal Information.

You should always safeguard your own Personal Information by protecting passwords used to access the OPM Capital Finance website and by safely disposing of records and reports no longer needed.

OPM Capital Finance will notify and work with regulatory and/or law enforcement officials as required by law to address any issues or security breaches where they arise.

OPM Capital Finance is not a depository institution and does not act as or represent itself a full service bank.

You have the right to opt out of any use of your Personal Information at any time. If you opt out of this Privacy Policy it may affect your receipt of services.