Privacy Policy

FACTS
WHAT DOES LENDERS RISK 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:
• Social security numbers, addresses, family information, and financial information.
• Account balances and payment history.
• Information from Industry databases and marketing data providers. • 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 Lenders Risk chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE
YOUR PERSONAL INFORMATION
DOES LENDERS RISK 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.YESNO
For our marketing purposes - to offer our products and services to you.YESNO
For joint marketing with other financial companiesYESNO
For our affiliates’ everyday business purposes -
information about your transactions and experiences.
YESNO
For our affiliates’ everyday business purposes - information about your creditworthiness.NOWE DO NOT SHARE
For our affiliates to market to you -YESYES
For non-affiliates to market to you -YESYES
Sharing
 
TO LIMIT OUR SHARINGCall (888) 600-4436 or (410) 296-7871
Send an email to: compliance@lendersrisk.com
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. However, you can contact us at any time to limit our sharing.
QUESTIONS?Call: (888) 600-4436 or send an email to compliance@lendersrisk.net
WHAT WE DO
 
How does Lenders Risk 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 secured offices and files, and computer safeguards.
How does Lenders Risk collect my Personal Information?We can collect your personal information from product or service applications, during the claims handling process, and/or from Industry databases and marketing data providers.
We may also collect your personal information from others such as credit bureaus, affiliates, or other companies.
We may collect and store information about your visit to our website. To collect this information, our web server may write a “cookie,” which is a small file, to your hard drive. We may use cookies to enhance your online experience, to facilitate your use of our website and to collect anonymous, aggregated site-visitation statistics that we can use to measure the effectiveness of, and to improve, not only our website, but our products and services.
We may use standard Internet tools such as web beacons, which collect information that tracks your use of our website and enables us to customize our services and advertisements.
Log files allow Lenders Risk to monitor, on an anonymous, collective basis, information such as:
• The Internet service providers that our customers and visitors use.
• The type of browsers, such as Microsoft Explorer or Mozilla Firefox that our
customers and visitors use.
• The Internet Protocol addresses of our customers and visitors.
• The traffic on our web pages and the average time spent on each page.
• The number of first-time visitors and return customers to our website.
This information helps us monitor our website and ensures that it is accessible to customers and visitors. This information also helps us develop content and services that offer the best value and most benefits to our customers and visitors.
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 non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
DEFINITIONS
 
You and YourThe person or entity to whom or which this document is provided, whether an individual or business entity.
We, Us and OurLenders Risk Management, Inc.
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliated companies include:
• Lenders Risk Management, Inc.
Non- affiliatesCompanies not related by common ownership or control. They can be financial and non- financial companies. The non-affiliated third parties may include:
• Insurance agents and agencies
• Insurance companies
• Companies that provide services for us
• Financial institutions including banks, credit unions, mortgage bankers and trust companies
• Financial service providers
• Credit bureaus
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Insurance agents and agencies
• Insurance companies
• Financial institutions including banks, credit unions, mortgage bankers and trust
companies
• Financial service providers
OTHER IMPORTANT INFORMATION
Our postal address is:
305 W. Chesapeake Avenue, Suite 211 | Towson, MD 21204
Vermont Residents: Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at (888) 226-0861 and authorize us to do so.
California Residents: Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California.