CUSO Mortgage Corporation

PRIVACY POLICY & DISCLOSURE STATEMENT

Your Privacy

At CUSO Mortgage Corporation, respecting the privacy and security of your personal information is important to us. Please read this Privacy Policy carefully. It is designed to inform you of the types of information we collect, how we use that information, and the circumstances under which we will share it with our affiliated companies and with nonaffiliated third parties.

This site uses a feature of your browser called a "cookie" to assign a User ID. Cookies, by themselves, cannot be used to find out the identity of any user. Your CUSO Mortgage Corp User ID automatically identifies your computer–but not you–to our servers when you visit cusomortgagecorp.com. Unless you specifically tell us who you are (for example, by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie.

This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.
Safeguarding Customer Information

We only grant access to nonpublic personal information about you to employees and service providers so that they can provide or offer products or services to you, process and service your accounts, and administer business. Our code of conduct requires that your information remain confidential. Even if you are no longer a customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical and procedural safeguards that comply with federal standards to guard this personal information.
Collection of Information

We collect nonpublic personal information about you from the following sources:

From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, social security number, credit history and other financial information.

From transactions with us, our affiliates, or with others. For example, your payment histories, account balances, and other transaction records.

From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.

From third parties to verify information you have given us.
Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:

To provide you with the products and services you have requested.

To offer you additional products and services from us or from others, that may be of interest to you.

To comply with reporting and other legal requirements.

To otherwise conduct business.
Information Sharing with Affiliated Companies

Four credit unions and the Maine Credit Union League own CUSO MORTGAGE CORPORATION. Any company that controls, is controlled by, or is under common control with another company is an "affiliate" or an "affiliated company".

Under the federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experiences with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information".

Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information — that is, information other than transaction and experience information -- is referred to in this Privacy Policy as "other information". You have the right to ensure that other information is not shared with our affiliates, by using the attached form. If you don’t want us to share this information with our affiliates, please indicate this to us by contacting CUSO Mortgage Corp at the address below. Once we receive your opt out request, we will stop sharing this information as soon as reasonably practical.
Information sharing with Non-affiliated Third Parties as Permitted by Law

We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements.

We may share all the information we collect, as described above, with other nonaffiliated third parties such as credit reporting agencies to whom we report information about your transactions with us.
Please be advised that the opt out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.
Information Sharing With Other Nonaffiliated Third Parties and Your Opt Out Rights

Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:

Financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents.

If you prefer that we not share nonpublic personal information about you with these nonaffiliated third parties, you may opt out of those disclosures (other than as permitted by law). If you don’t want us to share this information with our non-affiliated third parties, please indicate this to us by contacting CUSO Mortgage Corp. at the address below. Once we receive your opt out request, we will stop sharing this information as soon as reasonably practical.

CUSO Mortgage Corporation
101 Western Avenue
P.O. Box 663
Hampden, ME 04444

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