Privacy Policy

Overview

We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.

Privacy (Website Visitors)

Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our website or when you work with Hybrid Agent as a client. Information We Collect About You during Your Online Visit.

Website Visitors / Users

While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.

We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.

Security Statement

Encryption

We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers. We use an AES_128_GCM SSL level of encryption on a Linux/Apache 2.2 server hosting environment with Rackspace Hosting, Inc. servicing from their Chicago, IL server. Their corporate headquarters are located in 1 Fanatical Place, City of Windcrest, San Antonio, TX 78218. Our selection process involved extensive research and a vetting process to ensure a high level of security requirements were met prior to picking a vendor.

Firewalls

Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed. Rackspace Hosting, Inc. provides firewalls, load balancers, network monitoring and auto-migrations for DDos attacks.

General Security

We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site. User access control security measures are provided by WordPress where the system provides permissions once a user signs up and logs in.

Security patch updates are done on a quarterly basis and ad hoc in between each quarter when performing additional work on the site. In addition to the encryption, firewalls and general security measures, malicious code prevention and intrusion detection systems are provided by iThemes Security, which monitors the site for threats 24 hours a day, 7 days a week, 365.25 days a year.

Website Visitor/User Information Sharing

We may at times share your information as a visitor or user of this Site to other third parties. These third parties might either be affiliated companies or within the Hybrid Agent family of companies. Also, these third parties may be non-affiliated companies. Other third parties may be companies that are acting or performing on our behalf. When selecting service providers or third parties, we take additional steps to review the service providers privacy policy and technology safeguards they have in place to protect your information. Service providers must at least have the same or more secure standards than Hybrid Agent.

This information sharing may either be done to serve you better, to offer products and services that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.

*Please see opt-out details below if you wish to opt out of this policy.

Information Collection and Sharing Practices for Existing Customers

Existing Customer/Previous Users

If you are a customer details about the information we collect and how it may be disclosed is contained in our Privacy Policy Notice, which is mailed to you. This notice includes additional information regarding your privacy choices. We collect information about you when you:

Apply for a loan
Inquire about a loan
Close a loan

We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.

With Whom We Share

We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.

We may also share some of this information with companies performing services on our behalf. These types of vendors are called service providers. When selecting service providers, we take additional steps to review the service providers privacy policy and technology safeguards they have in place to protect your information. Service providers must at least have the same or more secure standards than Hybrid Agent.

We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.

Finally, we may share information we collect about you with companies related by common control or otherwise affiliated with Hybrid Agent. This is to offer you products and services that may be of interest to you. These types of companies are called affiliates.

Benefits of sharing

We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within Hybrid Agent family of businesses and with valued partners or our employees in order to evaluate eligibility, or to offer and recommend products or services that may be right for you.

Safeguard Policies & Procedures Contact

Safeguard policies will be reviewed and updated on an annual basis by our authorized officers.

Customer Information Sharing Choices/Opt-Out

Federal Law

Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.

Federal law allows you to opt out of our privacy policy or restrict us from sharing information as follows:

About your creditworthiness with our affiliates
To all non-affiliates to offer you their products and services

State Laws

State laws may give you additional rights regarding our information sharing.

We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a customer you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.

You can limit us from sharing your information as permitted by law and as described in our Privacy Policy at any time by informing us of that you choose to Opt Out and by telling us how you do not want your information shared by calling 201-393-0200 and speaking with Nick Marenoski. You may notify us of your choices at any time.

If your past choices have not changed, you only need to tell us one time, as long as you remain a customer.