Sibcy Cline Mortgage Services, Inc. has established an internal customer identification program (CIP). This means that we are required by law to obtain documentation to verify your identity. We will obtain your name, address, date of birth, and social security number. We will verify this information by retaining a photo copy of your driver's license or other photo identification allowed under the USAPA.
The rates, terms and products described are subject to change and are not to be relied upon for your particular mortgage situation and characteristics. Please contact your Sibcy Cline Mortgage Service Loan Officer directly to discuss potential mortgage products, apply for a mortgage loan or lock in an interest rate. 513-984-6776 or 888-984-6776.
Predatory lending is difficult to clearly define. Predatory lending is generally characterized by abusive lending practices that include deception, fraud and other practices that are unfair to borrowers. The Federal Government and many States have taken steps to combat predatory lending. These efforts include disclosures and enforcement that should contribute to a reduction in predatory lending.
Sibcy Cline Mortgage is a responsible lender and condemns practices that deceive, defraud or treat borrowers unfairly. We strive to build lifelong relationships by helping borrower to achieve their life dream - homeownership.
As a customer of Sibcy Cline Mortgage Services, Inc., you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.
We, our, and us, when used in this notice, means Sibcy Cline Mortgage Services, Inc.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.
We collect nonpublic personal information about you from the following sources:
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Transaction and experience information from our account records:
Federal law allows us to disclose the information listed above our affiliates. You do not have a right to opt out of the disclosure of this information.
We may disclose nonpublic personal information about you to the following types of affiliates:
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
We do not disclose nonpublic personal information about former customers, except as permitted by law.