Privacy Policy

WHAT DOES Moria Development Inc., DBA Peoples MortgageDO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personalinformation. Federal law gives consumers the right to limit some butnot all sharing. Federal law also requires us to tell you how we collect,share, and protect your personal information. Please read this noticecarefully to understand what we do.

What?

The types of personal information we collect and share depend onthe product or service you have with us. This information can include:
‍• Social Security number and Assets
• Credit history and Credit scores
• Employment informationand Income

How?

All financial companies need to share Customers personal informationto run their everyday business. In the section below, we list the reasonsfinancial companies can share their Customers personal information;the reasons Moria Development Inc., DBA Peoples Mortgage chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Moria Development Inc., DBA Peoples 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 of fer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We Don't Share
For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	Yes
For our affiliates’ everyday business purposes — information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We Don't Share

Who we are
Who is providing this notice?	Moria Development Inc., DBA Peoples Mortgage

What we do?
How does Moria Development Inc., DBA Peoples 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 Moria Development Inc., DBA Peoples Mortgage collect my personal information?	We collect your personal information, for example, when you • Apply for a loan or • Give us your contact information or • Give us your employment history • Give us your income information or • Show your government issued ID or 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.
What happens when I limit sharing for an account I hold jointly with someone else?	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Moria Development Inc., DBA Peoples Mortgage does not jointly market

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include Assured USA Group
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • We do not share with non affiliates to be able to market to you. We only share for everyday business purposes.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Moria Development Inc., DBA Peoples Mortgage does not jointly market

Other important information
Residents of Nevada: We are providing this notice pursuant to Nevada state law. You may be placed on our internal Do Not Call List by contacting our customer service department via telephone at {Phone_Number or via mail at PHH Mortgage Services Attn: Research Mail Stop SV26 5720 Premier Park Drive West Palm Beach, FL 33407. You may also obtain further information by contacting the Bureau of Consumer Protection, Office of the Nevada Attorney General via mail at 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; via telephone at 702.486.3132; or via email at BCPINFO@ag.state.nv.gov. Residents of California: In accordance with California law, we will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. If you are a California resident and we share information with affiliates, or if we have entered into joint marketing agreements with nonaffiliated financial companies, we have separately mailed you a California Privacy Notice. If you do not want us to share your information with such companies, please let us know by simply calling the toll-free telephone number provided, completing the reply form contained in the California Privacy Notice and mailing it to the address provided or faxing it to the number provided. We will also limit sharing among our affiliates to the extent required by California law. If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. North Dakota Residents: We will not disclose information we collect about you to nonaffiliated third parties to market to you, other than as permitted by North Dakota law, unless you authorize us to make those disclosures. To opt-in, please complete the reply form contained in the North Dakota Opt-In Notice and mail it to the address provided. Additional information concerning our privacy policies can be found by calling 877-752-3530. Residents of Texas: COMPLAINTS REGARDING THE SERVICING OF THE MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201 AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877.276.5550. A complaint form and instructions may be downloaded and printed from the Department’s website at www.sml.texas.gov or obtained from the Department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.

Other important information

Residents of Nevada: We are providing this notice pursuant to Nevada state law. You may be placed on our internal Do Not Call List by contacting our customer service department via telephone at {Phone_Number or via mail at PHH Mortgage Services

Attn: Research Mail Stop SV26 5720 Premier Park Drive West Palm Beach, FL 33407. You may also obtain further information by contacting the Bureau of Consumer Protection, Office of the Nevada Attorney General via mail at 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; via telephone at 702.486.3132; or via email at BCPINFO@ag.state.nv.gov.

Residents of California: In accordance with California law, we will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.

If you are a California resident and we share information with affiliates, or if we have entered into joint marketing agreements with nonaffiliated financial companies, we have separately mailed you a California Privacy Notice. If you do not want us to share your information with such companies, please let us know by simply calling the toll-free telephone number provided, completing the reply form contained in the California Privacy Notice and mailing it to the address provided or faxing it to the number provided. We will also limit sharing among our affiliates to the extent required by California law. If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice.

North Dakota Residents: We will not disclose information we collect about you to nonaffiliated third parties to market to you, other than as permitted by North Dakota law, unless you authorize us to make those disclosures. To opt-in, please complete the reply form contained in the North Dakota Opt-In Notice and mail it to the address provided. Additional information concerning our privacy policies can be found by calling 877-752-3530.

Residents of Texas: COMPLAINTS REGARDING THE SERVICING OF THE MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201 AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877.276.5550. A complaint form and instructions may be downloaded and printed from the Department’s website at www.sml.texas.gov or obtained from the Department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.

Terms and conditions:

1- SMS Consent Communication: The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2- Types of SMS Communications: If you have consented to receive text messages from Peoples Mortgage Company, you may receive messages related to the following

  Appointment reminders
   Follow-up messages
   Application messages
   Documents messages
   Example: "Hello, just want to follow up with you about your loan application. Reply STOP to opt out of SMS messaging at any      time."
   Example: "Use the following link to create your account and download my mobile app: [url] - Peoples Mortgage. Reply STOP to    opt out of SMS messaging at any time."
  Example: "Hi [name], You’ve got new paperwork that is time sensitive and needs your signature. To get started, go here: [url] -    Peoples Mortgage. Reply STOP to opt out of SMS messaging at any time."

3- Message Frequency: Message frequency may vary depending on the type of communicationExample"Message frequency may vary. You may receive up to 3 SMS messages per week regarding your loan."
4- Potential Fees for SMS Messaging: Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
5- Opt-In Method: You may opt-in to receive SMS messages from Peoples Mortgage Company in the following ways: Verbally, during a conversationBy filling out an online application
6- Opt-Out Method: You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list. https://www.peoplesmortgage.com/optout7- Help: If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at technologyteam@peoplesmortgage.comAdditional Options: If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
8- Standard Messaging Disclosures: Message and data rates may apply.You can opt out at any time by texting "STOP." For assistance text HELP or visit our Privacy Policy and Terms of Service page https://www.peoplesmortgage.com/privacy-policy.Message frequency may vary.

CALIFORNIA DO NOT TRACK DISCLOSURE

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy awww.PeoplesMortgage.com/CCPA

PRIVACY POLICY COVERAGE

This Statement covers PMC’s collection of personal information that it gathers when you are on PMC controlled websites. It does not apply to information collected and stored by a means other than these websites or practices of third parties that PMC does not own or control, or to other individuals that PMC does not employ or manage. By accessing the PMC websites, you are accepting the practices outlined in this Statement. Access to information about customers collected from PMC websites is restricted to PMC and third parties that need access to customer information in order to provide PMC operational or other support services, PMC mortgage lending products and information, or as may be required by law. PMC does not distribute, sell or rent any personal information collected via its websites. This is also true for personal information (email address, postal address, etc.) sent to the website’s email addresses. The transmission of personal information entered via the site’s forms is protected by PMC’s security features. PMC’s Personal Information Collection and Purpose: PMC’s primary goal in collecting information is to provide you with a friendly, customized and efficient experience. PMC collects information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. PMC takes reasonable precautions to protect from loss, misuse, and unauthorized access, disclosure, alteration and destruction of personal information. We collect the following information from our customers via PMC’s websites:

(A) INFORMATION YOU PROVIDE TO US:

PMC collects identifying information when you submit an online application or inquiry via PMC websites. For example, PMC may require customers who submit an online application to give us the following personal information: name, address, phone number, email address, financial information, employment information, etc. When you initially submit an inquiry for a mortgage application PMC may also ask for additional types of personal information. All financial and personal information that PMC collects from you is used for the purposes of checking your qualification as a prospective borrower of a residential mortgage loan. PMC may use third party intermediaries to manage the website functionality and information submitted, however these intermediaries are not permitted to store, retain, or use the information provided, except for the sole purpose of facilitating the distribution of customer information or the functionality of the PMC websites. All third party intermediaries are held to local, state and federal laws surrounding personal financial information, and vetted through PMC.

(B) E-MAIL COMMUNICATIONS

PMC receives confirmation when you submit a loan application and may follow-up with an email confirmation in order for us to acknowledge receipt of the application, or to follow-up on a customer inquiry. PMC may also send out emails with information regarding PMC promotions, products, mortgage lending information and/or updates, and loan milestone updates.

(C) INFORMATION FROM THIRD PARTIES

PMC may also collect information about you from its consumer reporting agencies and other similar avenues for sole purpose of facilitating a mortgage loan transaction. For purposes such as improving personalization of the PMC websites, PMC may receive information about you from other sources and add it to our account information.

(D) AUTOMATIC INFORMATION

PMC receives and stores certain types of information whenever you interact with us via PMC websites. PMC automatically receives and records certain “traffic data” on our server logs including your IP address, PMC cookie information, the page you requested, and your communications and interactions with other site users. PMC uses this traffic data to help diagnose problems with its server, analyze trends and administer the PMC websites. PMC automatically collects usage information, such as the numbers and frequency of visitors to our websites and use of components of our websites. This type of collective data also enables us to figure out how often customers use parts of the PMC websites so we can make the websites appealing to as many customers as possible. We collect and use this information for internal purposes only. Many companies offer programs that help you to visit web sites anonymously. While PMC will not be able to provide you with a personalized experience if we cannot recognize you, we want you to be aware that these programs are available.

WHAT ABOUT COOKIES

Cookies are alphanumeric identifiers that PMC transfers to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our site are visited and by how many people. PMC employs cookies in order for its server to recognize a return visitor as a unique user. Cookies are used to personalize the content you view on our websites. The cookies placed by the PMC server are readable only by PMC, and cookies cannot access, read or modify any other data on a computer. The “help” portion of the toolbar on the majority of browsers will direct you on how to prevent your browser from accepting new cookies, how to command the browser to tell you when you receive a new cookie, or how to fully disable cookies. To view more information regarding cookie settings please visit the “help” tab on your browser.

INFORMATION SHARING

For more information on our privacy policy please visit: https://www.peoplesmortgage.com/privacy-policyCredit Inquiry Calls
To reduce calls related to credit inquiries, visit OptOutPrescreen.comDo Not Call List
To minimize sales calls, you can register your phone number at DoNotCall.govUnsubscribe from Peoples Mortgage Communications
If you would like to unsubscribe from our communications (emails/texts), please complete the form below.
Please note that by unsubscribing, your Loan Officer will no longer be able to contact you regarding rate improvements in the future.For any additional questions, please contact us at marketing@peoplesmortgage.com

CUSTOMER INFORMATION IS SECURE

All customer information collected and stored by PMC is maintained in a secure corporate data center and/or otherwise subject to best practices access protection. Only employees who need customer information to perform a specific job (for example, an underwriter) are granted access to it. All of our employees are kept up to date on our privacy and security practices.

THIRD PARTY SITES

PMC websites may permit you to link to other websites on the Internet, and other websites may contain links to PMC websites. These other websites are not under PMC control, and such links do not constitute an endorsement by PMC of those other websites or the services offered through them. The privacy and security practices of websites linked to or from PMC websites are not covered by this Statement, and PMC is not responsible for the privacy or security practices or the content of these websites. Links to other sites are provided solely for convenience of users.Third Party Websites as referenced herein includes websites that are not owned or controlled by PMC or its employees.PMC may also provide social media features that enable you to share information with your social media networks and to interact with PMC on various social media sites. Your use of these features may result in the collection or sharing of information about you, depending on the feature. PMC encourages you to review the privacy policies and settings on the social media sites with which you interact to make sure you understand the information that may be collected, used and shared by those sites.PMC assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which a PMC site is linked and such linked sites are not monitored, investigated, or checked for accuracy or completeness by PMC. It is the responsibility of the user to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked site. All products, services and content obtained from a linked site are provided as is without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT

PMC websites are not directed at children, as PMC requests children under the age of 18 not provide personal information through a PMC website.

KEEPING PERSONAL INFORMATION SECURE

PMC takes seriously the trust you place in us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, PMC utilizes reasonable and appropriate physical, technical, and administrative procedures to safeguard the information we collect. PMC retains data only as required or permitted by local law and while it has a legitimate business purpose.

CONDITIONS OF USE

All PMC website activity or use and this Statement are governed by the laws of the United States of American and the laws of the State of Arizona, without regard to conflict of law principles.

POLICY CHANGES

PMC reserves the right to amend the Privacy Policy Statement at any time with or without notice. Please check back frequently in the event of changes. Your use of any of the PMC websites constitutes your agreement to this Privacy Policy. This Statement was last updated on February 1, 2016.

QUESTIONS OR CONCERNS

If you have any questions or concerns regarding privacy at PMC websites, please contact us at legal@peoplesmortgage.com. Your privacy is important to PMC and we will make every effort to resolve your concerns.