Your Privacy

At The Lending Lady - Gateway Mortgage Group, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes their privacy seriously is necessarily well-versed in "legal or regulatory-ese." There are plenty of legal terms in The Lending Lady - Gateway Mortgage Group's own privacy policy, which you will find on the following pages. We urge you to read it carefully, and make note of your rights under this policy. We've tried to provide easy-to-understand explanations of the most frequently used legal terms -- terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many companies' privacy policies.

Cookies & Browsers

This site uses a feature of your browser called a "cookie" to assign a "User I.D.". Cookies, by themselves, cannot be used to find out the identity of any user. Your The Lending Lady - Gateway Mortgage Group User ID automatically identifies your computer - but not you - to our servers when you visit TheLendingLady.com or other The Lending Lady - Gateway Mortgage Group Web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

Safeguarding Customer Information

We only grant access to nonpublic personal information about you (such as your name, address, social security number and credit history) to company employees and affiliated and non-affiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.

Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

Collection of Information

We collect nonpublic personal information about you from the following sources:

Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:

Information Sharing Among Our Family of Affiliated Companies*

The Lending Lady - Gateway Mortgage Group, Inc. is the holding company for a group of companies which includes financial services providers such as depository institutions, insurance agencies, mortgage companies, consumer finance companies and securities broker-dealers. Any company that is owned or controlled by The Lending Lady - Gateway Mortgage Group, Inc. is an "affiliate" or an "affiliated company" of all of the other companies owned by The Lending Lady - Gateway Mortgage Group, Inc.

Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information."

Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information - that is, information other than transaction and experience information - is referred to in this Privacy Policy as "other information." You have the right to ensure that other information is not shared with our affiliates. If you don't want us to share this information with our affiliates, please write to  our Customer Service at:

The Lending Lady - Gateway Mortgage Group
3015 E Redfield Rd
Phoenix, AZ 85032

Once we receive your opt out request, we will stop sharing this information as soon as reasonably practical. Your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.

Information Sharing with Nonaffiliated Third Parties as Permitted by Law

We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements. For example, we may share information with financial services providers with which we offer products such as credit cards or accelerated loan payment programs.

We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us.

Please be advised that the opt out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.

Information Sharing with Other Nonaffiliated Third Parties and Your Opt Out Rights

Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:

If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt out of those disclosures (other than those permitted by law) by contacting our Customer Service as described above.

We will stop sharing this information as soon as reasonably practical. Again, your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.

Sharing of Nonpublic Personal Health Information

If you engage in an insurance transaction with or through us, we may collect nonpublic personal health information about you. We do not share nonpublic personal health information with any nonaffiliated third party unless you have authorized the disclosure, the disclosure is made in connection with an insurance transaction that was initiated by you or the disclosure is otherwise permitted by law.

Your Opt-Out Options

If you wish to direct The Lending Lady - Gateway Mortgage Group to stop sharing certain nonpublic personal information about you with our affiliated companies and nonaffiliated third parties, please send your instructions to The Lending Lady - Gateway Mortgage Group, 3015 E Redfield Rd, Phoenix, AZ 85032. If you have previously opted out, you will not need to do so again, unless you are establishing a new customer relationship with us.

Option 1: Directs The Lending Lady - Gateway Mortgage Group not to share nonpublic personal information with nonaffiliated third parties.

What this means:

You direct The Lending Lady - Gateway Mortgage Group not to share nonpublic personal information about you with nonaffiliated third parties except as permitted by law. These exceptions include companies that perform marketing services on our behalf, other financial institutions with whom we have joint marketing arrangements, other nonaffiliated service providers (such as those that assist us with monthly statement preparation and check printing and processing), and credit reporting agencies to whom we report information about your transactions with us.

Option 2: Directs The Lending Lady - Gateway Mortgage Group not to share nonpublic personal information with The Lending Lady - Gateway Mortgage Group's affiliated companies.

What this means:

You direct The Lending Lady - Gateway Mortgage Group not to share nonpublic personal information about you among its affiliated companies except as permitted by law. You will continue to receive mailings and advertisements from the The Lending Lady - Gateway Mortgage Group company/companies with which you do business.

Option 3: Directs The Lending Lady - Gateway Mortgage Group not to share nonpublic personal information with nonaffiliated third parties or among its affiliates, except as permitted by law.

What this means:

The Lending Lady - Gateway Mortgage Group will not share your nonpublic personal information with either nonaffiliated third parties or among its affiliates, unless permitted by law.

Please note that, even if you opt out, you may still receive advertising and other marketing materials if those materials can be provided without violating your opt out instructions.

Other Ways to Protect Your Privacy

Marketing Lists

You can reduce the amount of marketing material and credit applications you receive via mail, telephone or e-mail by writing the Direct Marketing Association at the addresses listed below. You must provide your name, address and telephone number with your request.

Mail Preference Service
c/o Direct Marketing Assn.
P.O. Box 9008
Farmingdale, NY 11735-9008

Telephone Preference Service
c/o Direct Marketing Assn.
P.O. Box 9014
Farmingdale, NY 11735-9014

E-mail Preference Service
www.e-mps.org

Identity Theft

Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.

You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Please note that this contact information is being provided as a service to you. The Lending Lady - Gateway Mortgage Group is not affiliated with any of these services and cannot guarantee their effectiveness.