(Protection of the Privacy of Personal Non-Public Information)
Information the Companies Collect
New Penn Financial, LLC and its subsidiary lenders, Shelter Mortgage Company, LLC, Shelter Lending Services, LLC, Guaranty Mortgage Services, LLC, Carolina One Mortgage, LLC, Summit Home Mortgage, LLC, Capital Partners Mortgage, LLC, Conway Financial Services, LLC and Partners United Financial, LLC (each individually, “Company” or, collectively, the “Companies”), may collect certain types of information from you, such as information you voluntarily provide via forms, surveys, applications, etc. when you visit the Companies’ sites. The Companies may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.
What are Cookies?
If you do not accept these cookies, you may experience some inconvenience in your use of some online options. You also may not receive advertising or other offers from the Companies that are relevant to your interests and needs. The Companies use web-browsing cookies to display information more effectively to you and to gather data about the usage of the Companies’ websites.
At times, the Companies may use other technologies to capture customer specific data to help understand how customers use the Companies’ sites and to assist us with resolving customers’ questions regarding the use of the Companies’ sites.
Information collected through cookies and web beacons includes the number of people who look at each of the pages on the Companies’ websites, search engine referrals, browsing patterns within the Companies’ websites, and responses to advertisements and promotions on the Companies’ websites. Information collected may also include other trends and activity on the Companies’ websites, basic information about whether you have visited the sites before, your Internet connection and computer settings, such as your browser, your IP address and your time zone.
From time to time, consumers will experience ‘Pop Ups’ from other companies while visiting the Companies’ sites. Pop Ups are generated by ‘Adware’ placed on your computer when other sites have been visited. The Companies do not participate in the use of Adware.
Advertising on the Companies’ websites
The Companies advertise their respective products and services, on pages within the Companies’ websites. These advertisements may take the form of banner ad, and other formats.
Advertising on other websites
The Companies contract advertising with other companies to advertise the Companies’ accounts and services on websites not affiliated with the Companies. If you click on one of the Companies’ ads, you link to the particular Company website that offers the advertised service. These ads may contain cookies that allow tracking of your response to the Company’s advertisements. These cookies do not identify you personally. The Companies prohibit any company that places the Companies’ ads from using this information for any purpose other than to assist the Companies in measuring the effectiveness of the Companies’ ads.
How the Companies use and share information
The Companies may also share aggregated or anonymous data about the Companies’ customers and visitors to the Companies’ websites with advertising service providers and with companies that help the Companies understand how you use the Companies’ websites.
Linking to other sites
The Companies may provide links to other companies, such as credit bureaus or merchants. If you choose to link to websites not controlled by the Companies, the Companies are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these websites, you are strongly urged to carefully study their privacy policies before sharing your information.
Looking out for children
The Companies do not knowingly market to or solicit information from children under 13 without parental consent. The Companies recognize that protecting children’s identities and privacy online is important, and that the responsibility to do so rests with both the online industry and with parents. While the Companies work to protect your personal information, you also have responsibility.
Internet safety for children. The Internet is a public network. Children’s access to the Internet can allow them to visit inappropriate websites and be exposed to unwanted risks. COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the online collection of personal information. Learn more about COPPA on the Federal Trade Commission’s website. Parents can be proactive by installing filtering software that gives them more control over their family’s Internet experience.
The Companies recommend that minors 13 years of age or older ask their parents for permission before sending any information about themselves to anyone over the Internet.
- Protecting the confidentiality of customer information.
- How information is gathered.
- The types of information that is shared, why, and with whom.
- Opting Out – how to instruct a Company not to share certain information about you or not to contact you.
Protecting the Confidentiality of Customer Information:
The Company takes its responsibility to protect the privacy and confidentiality of customer information very seriously. Each Company maintains physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. The Company’s control policies, for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, the Company may enter into agreements with other companies to provide services to the Company or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.
How the Company Gathers Information:
As part of providing you with financial products or services, the Company may obtain information about you from the following sources:
- Application, forms, and other information that you provide to the Company, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
- Your transaction with the Company, its affiliates, or others. This information may include your account balances, payment history, and account usage;
- Consumer reporting agencies. This information may include account information and information about your credit worthiness;
- Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Information the Company Shares:
The Company may disclose information it has about you as permitted by law. The Company is required to or the Company may provide information about you to third-parties without your consent, as permitted by law, such as:
- To regulatory authorities and law enforcement officials.
- To protect against or prevent actual or potential fraud, unauthorized, claims, or other liability.
- To report account activity to credit bureaus.
- To consumer reporting agencies.
- To respond to a subpoena or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
- In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, the Company may provide information about you to its service providers to help the Company perform marketing services. This information provided to these service providers may include the categories of information described above under “How the Company Gathers Information” limited to only that which the Company deems appropriate for these service providers to carry out their functions and enable the Company to market to you.
This policy is subject to change.
You may choose to Opt Out of direct marketing by a Company at any time. You may also limit the contact from a Company. You may Opt Out of the following:
- No Telephone Calls from the Company;
- No Email from the Company;
- No Direct Mail from the Company;
- Information Sharing with the Company’s affiliates;
- Information Sharing with non-affiliates of the Company.
To Opt Out please contact the respective Company as follows:
New Penn Financial, LLC: Send a letter to: New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Shelter Mortgage Company, LLC: Send a letter to: Shelter Mortgage Company, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Shelter Lending Services, LLC: Send a letter to: Shelter Lending Services, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Guaranty Mortgage Services, LLC: Send a letter to: Guaranty Mortgage Services, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Carolina One Mortgage, LLC: Send a letter to: Carolina One Mortgage, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Summit Home Mortgage, LLC: Send a letter to: Summit Home Mortgage, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Capital Partners Mortgage, LLC: Send a letter to: Capital Partners Mortgage, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Conway Financial Services, LLC: Send a letter to: Conway Financial Services, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462
Partners United Financial, LLC: Send a letter to: Partners United Financial, LLC c/o New Penn Financial, LLC, Attn: Compliance Dept., 4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462