Rev. 11/2010

For additional important information about Adchemy's online servies, please click HERE

FACTS WHAT DOES ADCHEMY, Inc.
DO WITH YOUR PERSONAL INFORMATION?
Why? 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.
What? 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 and contact information such as phone number and e-mail address
  • Transaction history and self-reported credit status, mortgage rates, mortgage balances
  • Credit scores and self-reported credit history
How? 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 customers'personal information; the reasons Adchemy chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Adchemy share? Can you limit this sharing
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes Yes
For our marketing purposes –
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No N/A
For our affiliates' everyday business purposes –
information about your transactions and experiences		 No N/A
For our affiliates' everyday business purposes –
information about your creditworthiness		 No N/A
For our affiliates to market to you No N/A
For nonaffiliates to market to you Yes Yes
To limit
our sharing		 Please note:
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.
Questions? Click here or send your questions to privacy@adchemy.com
Who we are
Who is providing this notice? Adchemy, Inc.
What we do
How does Adchemy
protect my personal information?		 To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Adchemy
collect my personal information?		 We collect your personal information, for example, when you
  • Submit an inquiry from or provide your mortgage information
  • Submit employment status or give us you contact information
  • Provide your auto insurance information
We also collect your personal information from others companies such as credit bureaus, affilates, and other services providers and vendors.
Why can't I limit my 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Adchemy has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include mortgage companies, insurance companies, and direct marketing companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Adchemy has no joint marketing agreements.
Other important information
If you are visiting our website for mortgage services, and you live in California or Vermont, we will not share your information with nonaffiliated third party marketers without your consent.