Legal Disclosure Agreements

Legal

Privacy Policy for Customers

www.nmlsconsumeraccess.org

Website Privacy Policy

SMS opt-in information is excluded from any third party sharing/selling. SMS opt-in information is not shared or sold to third parties for any purpose.

• If data will be shared with third parties, you must include that data will not be shared with third parties for marketing or promotion purposes – this is critical.
• Include verbiage similar to: “We do not share data with third parties for marketing/promotional purposes.”
• If data will not be shared with third parties, including “We don’t share data with third parties” will be sufficient.

• All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
• Text messaging opt-in data is not being shared with third parties.

"By submitting your phone number toWood Team Home Mortgage LLC you are authorizing a representative of our company to send you text messages and notifications. Message frequency may vary. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us, and HELP to receive help."

Sharing with Nonaffiliated Companies

From time to time, we will share customer information with those companies, which are not affiliated with our corporation, in order to provide the products and services that you have requested or already have with us. These companies may include (but are not limited to) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer’s information confidential, and use of the information is strictly limited to providing the services we have asked them to perform for you and us.

Affiliate Sharing Opt-Out

Under the Fair Credit Reporting Act (FCRA) and Graham Leach Bliley Act (GLBA) we may disclose information about you with our affiliates except where the Fair Credit Reporting Act gives you the option to opt out. FCRA allows you to opt out of sharing with our affiliates in three areas:

• Assets
• Income
• Credit Report

Under the FCRA we would be able to share all other types of information about you with our affiliates so that you may receive special offers or other information. If you choose to Opt Out under FCRA please sign and date the form found here. Under this provision we will not be able to share the three types of information directly listed above with our affiliates, but we would be able to share other data about you with our affiliated companies.

Please date, sign, and return this form to the attention of Wood Team Home Mortgage LLC, c/o The Compliance Department, 108 1/2 Broadway Ave #494, Red Lodge, Montana 59068 if you choose to opt out and do not wish to receive information about these special opportunities.

Completing Online Forms

When you complete a form online, such as an online mortgage application, Wood Team Home Mortgage LLC has programs in place to protect it. If you use the online applications and / or links that we provide to you, the information you supply is encrypted and then decoded to begin processing when it arrives to Wood Team Home Mortgage LLC If you have any questions about whether or not the link is from Wood Team Home Mortgage LLC, please verify with your representative.

Emailing

When emailing your Wood Team Home Mortgage LLC contacts, DO NOT EVER send any personal Identifiable Information (such as social security number, account numbers, check stubs, etc.). We will provide you a secure document upload feature that will keep your information safe. You may also deliver your documents to the office or mail the information through the US postal system understanding that mailing may delay your loan process.

Home Mortgage Disclosure Act

Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.

To receive a copy of these data send a written request to:

Wood Team Home Mortgage LLC

Compliance Department

108 1/2 Broadway Ave

#494

Red Lodge, Montana 59068

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Security Policy

Wood Team Home Mortgage LLC places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.

Linking Outside of the Wood Team Home Mortgage LLC Website

Wood Team Home Mortgage LLC is not held responsible for any information or content found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party’s site’s content is not guaranteed. Third party sites also operate under different privacy and security policies which may be different from those of Wood Team Home Mortgage LLC.