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KAREN KLINE HOME LOANS, LLC, LIC# HI-229112, NMLS# 229112 | Originator: KAREN KLINE, LIC# HI-229210, NMLS# 22910

Rev. 01/11

Facts

What Does KAREN KLINE HOME LOANS, LLC
Do With Your Personal Information?

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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 required 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 account balances

·                     Credit History and Payment History

·                     Income and Assets

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 KAREN KLINE  HOME LOANS, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does KAREN KLINE HOME LOANS, LLC share?

Can you limit this sharing?

For our everyday business purposes-

Such as to process your transactions, maintain your account(s), responds to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes-

To offer our products and services to you

No

We Don’t Share

For joint marketing with other financial companies

No

We Don’t Share

For our affiliates’ everyday business purposes-
information about your transactions and experiences

No

We Don’t Share

For our affiliates’ everyday purposes-

Information about your creditworthiness

No

We Don’t Share

For our affiliates to market to you

No

We Don’t Share

For non-affiliates to market to you

No

We Don’t Share

To limit our sharing

·                     Call (808) 935-6400

·                     Visit us online at: www.karenkline.com

 

Please Note:

If you are a new customer, we can begin sharing your information 2 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?

 

 

Calyx Form - Privacy1_LimitSharing.frm (01/2011)

Who we are

Who is providing this notice?

KAREN KLINE HOME LOANS, LLC

 

What we do

How does KAREN KLINE HOME LOANS, LLC 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.

How does KAREN KLINE HOME LOANS, LLC collect my personal information?

We collect you your personal information, for example, when you

·                     Apply for a loan or give us your contact information

·                     Show your government-issued ID

 

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 non-affiliates to market to you

 

State Laws and individual companies may give you additional rights to limit sharing

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and non-financial companies.

 

KAREN KLINE HOME LOANS, LLC has no affiliates.

Non-affiliates

Companies not related by common ownership or control.  They can be financial and non-financial companies.

 

KAREN KLINE HOME LOANS, LLC does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

·                     KAREN KLINE HOME LOANS, LLC doesn’t jointly market.

Other important information

 

 

 

Calyx Form - Privacy2_NoOptOut_Other.frm (1/2011)