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PRIVACY POLICY Ross Mortgage Company Inc


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Privacy Policy
Ross Mortgage Company Inc


Introduction


Ross Mortgage Company Inc respects your financial privacy and we comply with all federal and
state laws and regulations designed to ensure that privacy. Your relationship with Ross
Mortgage Company Inc is important and we want to affirm our continuing commitment to the
proper use of customer information, which we have or may gather in the normal course of
business. We will generally keep this information about you confidential, but may share the
information about you with our business partners as described below in order to provide better
service to you.


Information About You


Ross Mortgage Company Inc collects, retains and uses information about individual customers
only when we believe it would be useful (and allowed by law) in administering our business and
to provide products, services, and other opportunities to customers. This information is
obtained from application information, transaction information, and customer report
information.


Safeguarding information About You


Information that we have about you is available to our employees and agents on a “need to
know” basis. We prohibit our employees and agents from giving information about you to
anyone in any manner that would violate any applicable law or our privacy policy. We do not
provide information about you to anyone without first verifying who they are and whether they
may have legal access to the information. We train our employees to protect information we
have about you. We also have a disaster preparedness program to secure this information in
case of natural disasters, hazards or threats. Our security and confidentiality procedures are
routinely tested to make sure that they work. Employees who violate this Privacy Policy will be
subject to disciplinary measures.


Account Numbers/Account Codes


We will not disclose your account number or access code for a transaction account to a
nonaffiliated third party in order for them to sell your products or services. We may give your
account number or access code to consumer reporting agencies because we are allowed or are
required to do so by law.

Information Sharing/Agent Nonaffiliated Third Parties


We share customer information with service providers who assist us in servicing customer
accounts and preparing and/or delivering Mortgage Company services and products to our
customers. Examples of such providers include home equity check printers; mortgage
payments facilitators; and credit reporting agencies. This sharing is permitted by law such
agents are required to keep confidential any information about you that we have given them.
Information Sharing/Non-Agent Nonaffiliated Third Parties
Ross Mortgage Company Inc will use a customer’s personal identifying information in our
normal course of business. Nonpublic personal financial information will not be sold or
distributed to other parties for marketing purposes.


Your Opt Out Rights


We may share certain information with our affiliates that are considered nonpublic personal
financial information under the Fair Credit Reporting Act. Our affiliates may use this
information to offer you products and services. You may opt out of our sharing this information
among our affiliates for these purposes. If you want to opt out of our sharing information
about you with our affiliates (other than information about our transactions and experiences
with you) call us, toll free at 877-811-5508. We will ask you to provide certain information to
identify you as our customer and to locate your account relationship with us.
Note: Your request to opt out does not apply to our sharing information with our affiliates for
purposes as performing technical or operational support services.


Ending Customer Relationships


When you end your customer relationship with us we will treat the information we have about
you as if you were still our customer.


Ross Mortgage Company Inc recognizes and respects the privacy expectation of our customers.
We want our customers to understand our commitment to privacy in our use of customer
information. As a result of our commitment, we have developed this Privacy Policy, which has
been made readily available to our customers. Customers who have questions about the
privacy of their information should call Leeann Ballard at 508-986-6100.