FACTS: What Does Novus Home Mortgage, A Division Of Ixonia Bank, 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 number and income
- Credit history and credit scores
- Mortgage rates and payments and account balances
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 personal information; the reasons Novus Home Mortgage, a division of Ixonia Bank, chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Novus Home Mortgage 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 | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | No |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | No |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | No |
| For nonaffiliates to market to you | No | No |
Questions?
Call 866-815-4321 or email Novus Home Mortgage.
Who is Providing this Notice?
Novus Home Mortgage, a division of Ixonia Bank
What we do
How Does Novus Home Mortgage 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 Novus Home Mortgage Collect My Personal Information?
We collect your personal information, for example, when you
- Apply for a loan
- Give us your income information
- Give us your employment history
- Give us your contact information
- Provide your mortgage 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.
OPT-in Consent
OPT-in Language
By submitting your phone number, you are authorizing Novus Home Mortgage to send you text messages and notifications. Message frequency may vary. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us.
No Selling/Sharing For Marketing
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
How You Opt-in
The user receives a text message where they can consent to receive notification messages from our company. The messaging disclosure is displayed to users in the text messages.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Novus Home Mortgage, a division of Ixonia Bank, has no affiliates.
NonAffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Novus Home Mortgage, a division of Ixonia Bank, 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.
Novus Home Mortgage, a division of Ixonia Bank, does not jointly market.