U.S. Consumer Privacy Notice

Rev. 01/2024
FACTS

WHAT DO GUILD MORTGAGE COMPANY AND ITS SUBSIDIARIES 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
  • Mortgage rates and payments and payment history
  • Credit history and credit scores
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 Guild Mortgage Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

 Do Guild Mortgage Company and its subsidiaries 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 and as permitted by law		 Do Guild Mortgage Company and its subsidiaries share? Yes Can you limit this sharing? No

For our marketing purposes –

to offer our products and services to you		 Do Guild Mortgage Company and its subsidiaries share? Yes Can you limit this sharing? No

For joint marketing with other financial companies

 Do Guild Mortgage Company and its subsidiaries share? Yes Can you limit this sharing? No

For our affiliates’ everyday business purposes –

information about your transactions and experiences		 Do Guild Mortgage Company and its subsidiaries share? Yes Can you limit this sharing? No

For our affiliates’ everyday business purposes –

information about your creditworthiness		 Do Guild Mortgage Company and its subsidiaries share? No Can you limit this sharing? We don’t share

For our affiliates to market to you

 Do Guild Mortgage Company and its subsidiaries share? Yes Can you limit this sharing? Yes

For nonaffiliates to market to you

 Do Guild Mortgage Company and its subsidiaries share? No Can you limit this sharing? We don’t share

To limit our sharing
  • Mail the form below
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 toll free (800) 365-4441 or go to www.guildmortgage.com
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Who we are

Who is providing this notice?

 Guild Mortgage Company and its subsidiaries that utilize the names: Mission Village Insurance Agency, Waterton Insurance Group, LLC, and Guild Administration Corp.

What we do

How do Guild Mortgage Company and its subsidiaries 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 do Guild Mortgage Company and its subsidiaries collect my personal information?

 We collect your personal information, for example, when you
  • Apply for a loan or provide account information
  • Give us your income information or give us your contact information
  • Provide employment 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.

Definitions

Affiliates

 Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as:
  • Guild Holdings Company
  • Guild Financial Express, Inc.
  • Guild Administration Corp.
  • Mission Village Insurance Agency
  • Waterton Insurance Group, LLC

Nonaffiliates

 Companies not related by common ownership or control.  They can be financial and nonfinancial companies Nonaffiliates we share with can include:
  • Non-financial companies, such as direct marketing companies
  • Service providers that perform marketing services on our behalf or on behalf of us and another financial institution

Joint Marketing

 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include:
  • Financial institutions with whom Guild Mortgage Company or its subsidiaries have joint marketing agreements
  • Service providers that perform marketing services on our behalf or on behalf of us and another financial institution

Other important information

California Residents

– In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

Nevada Residents

– Nevada Revised Statutes Section 228.600(3) allows marketing calls to our existing customers listed on the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call list by calling (800) 365-4441 or writing to Guild Mortgage Company, Attn: Privacy Opt Out, PO Box 85304, San Diego, CA 92186. You may also contact the Nevada Attorney General’s office:
Bureau of Consumer Protection Office of the Nevada Attorney General
555 E. Washington Street, Suite 3900
Las Vegas, NV 89101
Phone: (775) 684-1180

North Dakota Residents

– In accordance with North Dakota law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by North Dakota law.

Vermont Residents

– In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by Vermont law.

State law:

We follow state law if state law provides you with additional privacy protections.

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