Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to comply with federal guidelines concerning the security of nonpublic personal information.


Information Sharing Within Our Affiliated Family of Companies

There are times where we will need to share a portion of your Nationwide Home Lending account information with certain affiliated companies that either currently exist or that we may create in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. Affiliated companies may be financial services providers, including, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies and appraisal firms.

An "affiliated company" or "affiliate" is a company that we own or control. The information we may provide to these affiliates includes (i) identifying information, such as your name, address and social security number, and (ii) information about the financial product or service you obtain from us, such as your deposit balance, investment history, loan balance and/or payment history, as applicable. Under the federal Fair Credit Reporting Act, we are permitted to share this information within our affiliated family of companies.


Information Sharing With Unaffiliated Third Parties

Unlike some other mortgage brokers, Nationwide Home Lending does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that Nationwide Home Lending does not offer on its own, but we think will be of interest to our customers. In such cases, Nationwide Home Lending will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.


Our Former Customers

Rest assured that even if you are no longer a customer of Nationwide Home Lending, we will continue to treat the information we have with the same level of confidentiality.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend the policy at any time.


Protecting Your Financial Privacy


Nationwide Home Lending will protect the privacy of your personal and financial information. To guard your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations.

The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date or as required by other regulatory agencies. When your information is no longer needed for the purposes explained to you, we have procedures to destroy, delete, erase or convert it to an anonymous form.

We update and test our technology regularly to ensure we maintain commercially reasonable standards in securing your financial privacy.


Regarding Cookies

To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our Web Page Server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on Web sites and do not harm your system.

We may use cookies to record information about:

Visitors preferences

User sessions on our web sites

What pages users access or visit on our web sites

Past activity at a site in order to provide better service when visitors return to our site, or to accomplish the following purposes

Alert visitors to new areas that we think might be of interest to them when they return to our site

Customize Web page content based on visitors' browser type or other information that the visitor sends

We use cookies in places where you need to register, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized.

Our cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you configure your web browser so that "cookies" are turned off, our website will not be able to process your transaction. If this happens, please turn your cookies back on and log onto our site again.