| FACTS | WHAT DOES GRAY FOX MORTGAGE, LLC AND ITS AFFILIATED COMPANIES DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| 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:
|
| 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 Gray Fox Mortgage and its affiliated companies chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Gray Fox Mortgage and its family of companies share? | Can you 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; or, as permitted by law | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes – information about your transactions and experiences | Yes | Yes |
| For our affiliates' everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
| To limit our sharing | Visit us at www.grayfox.com/opt-out. Please note: If you are a new customer, we can begin sharing your information thirty (30) 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. | |
| Questions? | www.grayfox.com/opt-out | |
| Who we are | |
|---|---|
| Who is providing this notice? | This notice is provided by Gray Fox Mortgage and its affiliated companies, as listed in the section below titled, Gray Fox Mortgage and its family of companies. |
| What we do | |
|---|---|
| How does Gray Fox and its affiliated companies 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. Our employees are committed to safeguarding customer information and preventing its unauthorized access, disclosure, or use. In accessing your personal information, our employees are bound by the Code of Ethics Policy and our information security standards. |
| How does Gray Fox and its affiliated companies collect my personal information? | We collect your personal information, for example, when you:
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only:
|
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you:
|
| Gray Fox Mortgage and its affiliate companies |
|---|
Atlantic Bay Mortgage Group, L.L.C.; Gray Fox Partners, LLC, Greenwood Homes – Hampton Roads LLC; Greenwood Homes – Charlottesville, LLC; Red Fox Title, LLC, and Nest Realty Affiliate, LLC. |
State and Federal Regulations: In addition to federal law, you may have other privacy protections under some state laws. We will comply with all applicable state laws as to information about you.
Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Gray Fox Mortgage, LLC NMLS #2511214 (nmlsconsumeraccess.org) is an Equal Housing Lender.
