Definitions
- Affiliates: Companies related by common ownership or control. They can be both financial and non-financial companies.
- Confidential Information: The confidential and non-public information of Gold Star and/or its consumers, including but not limited to Consumer Information (as defined below). Non-public information is any information that cannot be found in public sources.
- Consumer: A person who obtains or has obtained a financial product from Gold Star that is to be used primarily for personal, family, or household purposes.
- Cookies: A cookie is a small piece of information that our website may provide to your computer for record-keeping purposes.
- Customer: A subclass of “consumers” who have a continuing relationship with a financial institution.
- Non-Public Information: Any personally identifiable information that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise publicly available. This includes any information that you provide to get a financial product or service (e.g. name, address, social security number, or information on an application), or any information about you from a transaction involving Gold Star and you.
Restrictions
We restrict access to your non-public information to Gold Star personnel who need to know that information in order to provide products or services to you. We maintain physical, electronic, logical, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.
Information We Collect When You Do Business With Us
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others (such as your loan balance, payment histories, and other account information);
- Information we receive from a consumer reporting agency;
- Information we receive from other mortgage settlement services providers when we process your transaction.
Collecting this information allows us to assist you in meeting your financial goals. We are unable to process your requests without some or all of this information, to keep you informed of new products or services that might be beneficial to you, and to generally understand your needs.
SMS Terms
By granting consent to Gold Star for SMS texting, you are providing express written consent for Gold Star Mortgage Financial Group, Corporation and its affiliates, agents, and service providers to contact you at that number regarding products or services, including via autodialed and/or prerecorded or artificial voice calls and text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate, state or the National Do Not Call Registry (DNC) or other do not contact list.
You may revoke this consent at any time by opting-out or unsubscribing at any time by replying with “STOP” to a message sent or emailing us a Do Not Call Request at marketing@goldstarfinancial.com and providing your phone number, or following the unsubscribe link in email messages.
Your consent is not required or a condition of any purchase. Message and data rates may apply. You also consent to our SMS terms, Privacy Policy, Terms of Use, and CPRA Privacy Policy (if CA resident). By communicating with us by phone, you consent to calls being recorded and monitored.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile information may be shared with service providers solely for operational and service-related purposes.
Information We Collect When You Browse Our Website
We do not access information about your identity when you browse our website. In order to improve user experience, we are provided general information about the date and time you accessed our website, the geographic location that you accessed it from, the type of browser that you used, and other non-identifying information, however that information is stored with third parties and you remain anonymous to Gold Star.
Gold Star uses a variety of third party services to provide you with the best possible experience while using our website. We also use third parties such as Google Analytics to help us understand how to tailor our website to assist our visitors. These third parties may collect information from your browser and may tailor advertising content so that you see our advertisements on other websites. In order to limit tracking of your browser information, you must adjust the Privacy Settings in your browser.
Gold Star uses cookies in order to identify which pages of the site you access, and to improve your online experience by allowing pages to load faster. Assigning a cookie to your computer does not provide Gold Star with access to your computer or any information contained on the computer, and your computer is not harmed by Gold Star’s use of cookies. Most web browsers afford the opportunity to reject or delete cookies. To reject cookies, you should limit your Privacy Settings. You may also delete cookies in your Internet browser.
Please note that if you use more than one type of browser or more than one computer to access the Internet, you may have to remove cookies in each browser and on each computer that you use. If you return to Gold Star, you may receive a new cookie. By rejecting cookies, you may be removing some of your ability to access content on Gold Star’s website. For your convenience, we have included the links below to some common web browsers to assist you in setting your privacy limits. We do not make any representations as to the accuracy of the data contained at these links, and you agree that you assume all risk and responsibility by navigating to the links provided below. For the most up-to-date information, you should contact the company that provides your internet browser.
Privacy Statement
FACTS: WHAT DOES Gold Star Mortgage Financial Group, Corporation 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 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 Assets
- Income and Credit history
- Mortgage rates and payments and Employment information
When you are no longer our customer, we continue to share your information as described in this notice.
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 Gold Star Mortgage Financial Group, Corporation chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Gold Star Mortgage Financial Group share? | Can you limit 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 | Yes | No |
| For our marketing purposes – to offer products and services to you. | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about transactions and experience | Yes | No |
| For our affiliates’ everyday business purposes – information about your credit worthiness | No We Don’t Share | We Don’t Share |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you | No We Don’t Share | We Don’t Share |
To Limit Our Sharing
- Call 734-971-9900 – our menu will prompt you through your choice(s) or
- Visit us online: https://www.goldstarfinancial.com/marketing
Please note: If you are a new customer, we can begin sharing your information 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.
Questions?
Call 734-971-9900 or go to https://www.goldstarfinancial.com
Who We Are
Who is providing this notice? Gold Star Mortgage Financial Group, Corporation
How We Protect Your 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.
We also provide privacy training to our employees and supervise all activity.
How We Collect Your Personal Information
We collect your personal information, for example, when you
- Apply for a loan
- Show us your government issued ID
- Give us your income information
- Provide your mortgage information
- Give us your contact information
- Give us your employment history
We also collect your personal information from other companies.
Why You Can’t 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 non-affiliates 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.
Affiliates, Nonaffiliates, and Joint Marketing
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Modern Title Group LLC, Radiant Insurance, LLC
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Gold Star Mortgage Financial Group, Corporation does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies and other financial services companies and other consumer service providers.
Other Important Information
For Alaska, Illinois, Maryland, and North Dakota Residents: We will not share your personal information with non-affiliates, either for them to market to you or for joint marketing without your authorization.
For California Residents: We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws.
For Massachusetts, Mississippi and New Jersey Residents: We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing without your authorization.
Gold Star shares nonpublic personal information:
- To companies involved in the loan process, such as appraisers, processors, title companies, credit reporting companies, insurance companies, and mortgage investors and/or mortgage servicers. These companies are a necessary part of the transaction and therefore we must provide at least some of your information to them.
- With service providers who assist us in processing the above mentioned functions.
Links to Other Websites
Gold Star’s website may include links to other websites, whose privacy practices may differ from our own. Any use of those websites will be governed by those privacy statements, and you are encouraged to familiarize yourself with the privacy statement of any website you visit.
Policy Changes
We may update this Policy in accordance with changes to our information security practices. We reserve the right to modify this Privacy Policy at any time without notice, but the most current version will always be available by clicking on the link at the bottom of this website.
Additional Contact
You may contact our corporate headquarters if you have additional questions regarding our use of your information and the protections that we provide:
Gold Star Mortgage Financial Group, Corporation2350 Green Road, Suite 100BAnn Arbor, MI 48105Questions?
Questions about your information?
Contact our corporate headquarters about this notice, your choices, or how we protect personal information.