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Consumer Privacy Policy

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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 Number and Income
  • Account Balances and Payment History
  • Credit History and Credit Scores
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 Sente Mortgage, Inc. chooses to share; and whether you can 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 No
For our marketing purposes —
to offer our products and services to you 		Yes No
For joint marketing with other financial companies No We Don't Share
For our affiliates’ everyday business purposes —
information about your transactions and experiences 		No We Don't Share
For our affiliates’ everyday business purposes —
information about your creditworthiness 		No We Don't Share
For our affiliates to market to you No We Don't Share
For nonaffiliates to market to you Yes Yes

Please note:
If you are a new customer, we can begin sharing your information 31 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.
Call 512-637-9900 or go to www.sentemortgage.com
Who is providing this notice? Sente Mortgage, Inc.
How does Sente Mortgage, Inc. 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 Sente Mortgage, Inc. collect my personal information? We collect your personal information when you
Apply for a loan
Give us your income information
Provide employment information
Give us your employment history
Apply for financing
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can't I limit all 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account unless you tell us otherwise
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Sente Mortgage, Inc. has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
My Utilities, Ownwell
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Sente Mortgage, Inc. does not jointly market.
Federal law requires Sente to notify you of how we collect, share, and protect your personal information. A Consumer Privacy Notice is provided to all borrowers at the time of initial loan disclosure. This notice includes:
The categories of information we collect;
The categories of third parties with whom we share information;
The specific sharing practices for which you may opt out; and
Instructions for submitting an opt-out request.
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