Privacy Policy

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:
  • Social Security number and employment history
  • Account balances and payment history
  • Credit history and credit scores
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 informationDoes 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 lawYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes – information about your transactions and experiencesYesYes
For our affiliates' everyday business purposes – information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youNoWe don’t share
To limit our sharingVisit us at
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.
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:
  • open an account or deposit money
  • apply for a loan or pay bills
  • provide your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only:
  • sharing for affiliates' everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]
What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include both financial and non-financial companies such as title agencies, mortgage companies, real estate firms, and builders. For a list of our affiliates, see the section below.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Gray Fox Mortgage and its affiliate companies do not share with nonaffiliates so they can market to you.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you:
  • Our joint marketing partners include financial companies that may provide products or services on our behalf.
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.