Privacy Policy

At Novus Mortgage, we value the trust you place in us by allowing us to assist with your lending needs. Protecting your privacy is one of our top priorities, and we are committed to providing the highest level of security and privacy protection for your personal information. Our privacy policy outlines the types of information we may collect, how we use that information, the measures we take to protect it, and how you can control the sharing of your information.

 

Information We Collect

We collect both public and nonpublic personal information from various sources, including:

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• Applications or Other Forms: Information you provide directly to us

• Reports from Affiliates: Data from credit bureaus, appraisers, employers, and other relevant entities

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Collected information may include:

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• Personal Details: Your name, address, and Social Security number

• Financial Information: Assets, income, property details, and other credit relationships

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​​Use of Your Information

At Novus Mortgage, we use the information we collect to:

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• Process Transactions: Facilitate and complete your financial transactions efficiently.

• Maintain Accounts: Ensure accurate and up-to-date management of your account(s).

• Comply with Legal Requirements: Address court orders, legal investigations, and report necessary information to credit bureaus.

• Support Internal Operations: Utilize the information internally for authorized purposes, such as servicing your account.

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We are committed to using your information responsibly and in accordance with these purposes, as well as safeguarding your information with the highest level of security. Under California law, we will not share information we collect about you with companies outside of Novus Mortgage unless permitted by law. For more details on our privacy practices and guidance on managing the sharing of your information, please feel free to contact us.

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How We Protect Your Information

At Novus Mortgage, we implement a comprehensive approach to safeguard your information through physical, electronic, and procedural measures. Access to customer information is limited to employees who require it to fulfill their specific responsibilities. Our affiliates and vendors, who may have access to your information in connection with our business transactions, are bound by privacy agreements that mandate stringent protection of customer data. Additionally, we provide comprehensive training to our employees regarding the protection of customer information and enforce rigorous policies to prevent unauthorized disclosure or misuse of this data.

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Website Privacy

When you visit the Novus Mortgage website, you remain anonymous unless you choose to provide personal information by applying online or otherwise disclosing your identity. While we do not collect personal information from individuals who simply browse our site, we may gather certain details about your visit, such as:

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• Date and Time of Access

• IP Address

• Web Browser Used

• City, State, and Country

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This data is used to generate summary statistics and assess the level of interest in the content available on our site.

Our website may contain links to external sites. Please be aware that when you follow a link to another site, you are subject to that site’s own security and privacy practices. We recommend reviewing their privacy policies before providing any personal information.

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Disclosures Permitted by Law

Novus Mortgage does not disclose customer information to affiliated or nonaffiliated third parties except as permitted by law. The primary regulations governing these practices include:

 

• Gramm-Leach-Bliley Privacy Policy Act of 1999

• Privacy of Consumer Financial Information (Regulation P)

• Fair Credit Reporting Act

 

Changes to This Information

Novus Mortgage reserves the right to amend this policy at any time without prior notice. When changes are made, we will notify you as required by law to ensure you are informed.