At American Home Loans, your trust and the security of your information are very important to us. This Privacy Policy explains what we do to protect and maintain your information and how you can limit the information we share with others.
"Site" refers to this internet website (americanhl.com) and its related services. "You" or "User" refers to a visitor or registered user of this Site. "American Home Loans," "we," or "us" refers to American Home Loans, operating in partnership with our licensed lending partner, Swift Home Loans (NMLS #2075228).
— 01Links to Other Sites
This Site contains links to other websites. American Home Loans is not responsible for the privacy practices or content of any other websites we link to, or websites that link to us. We encourage you to read the posted privacy statement of any third-party website you interact with.
— 02Information We Gather
We collect nonpublic personal information about you, including:
- Information you provide on applications, online forms, or registrations — including your name, address, phone, email, assets, income, debt, and similar financial details.
- Information about your transactions with us, our lending partner Swift Home Loans, or other parties — such as loan status, transaction history, and communications between us.
- Information about your creditworthiness, credit history, and related financial facts obtained from consumer reporting agencies, providers of marketing data, and demographic information services.
- Information about your employment, employment history, past real estate transactions, property insurance coverage, and similar circumstances relevant to loan origination.
We are required by law to verify the information you provide. We appreciate your honesty in accurately representing your financial information, history, and ability to repay any current or future credit obligations.
— 03Automatically Gathered Information
We automatically collect your browser type and version to tailor the presentation of our services and maintain a record of your activity on the Site. We may also use cookies to enable users to specify preferences and to track usage patterns. You always have the option to disable cookies through your browser preferences. Note that disabling cookies may cause parts of our Site to function less effectively or load more slowly.
Our web server software automatically records a log file of IP addresses that access the Site. We collect IP address information but do not ordinarily link IP addresses to users' nonpublic personal information. However, we may use IP addresses to identify a user when we determine it is necessary to enforce compliance with our Terms of Use or to protect our service, Site, customers, or others.
— 04How We Use and Share Your Information
Protecting the Confidentiality and Security of Your Information
Keeping financial information secure is one of our most important responsibilities. Only those persons who need access to your information to perform their job responsibilities are authorized to access it. We take commercially reasonable precautions to protect your information and limit disclosure through physical, electronic, and procedural safeguards.
We share your information with others as required by law or as necessary to obtain credit approval for your loan.
With Our Lending Partner
American Home Loans operates with Swift Home Loans as our licensed lending partner. We share your information with Swift Home Loans as necessary to process, underwrite, and originate your loan application. This sharing is required for us to provide you with mortgage services.
With Third-Party Service Providers
We do not share data with third parties for marketing or promotional purposes.
We may work with non-affiliated companies or organizations that provide services on our behalf in connection with processing or obtaining approval for your loan — including credit bureaus, appraisers, title companies, document custodians, and similar service providers. As a result, we may disclose some information we collect from you. For your protection, we require these companies to keep all personal information confidential.
We may also disclose information we collect as permitted by law. For example, we may share personal information:
- With regulatory authorities and law enforcement officials
- To protect against fraud
- To report activity to credit bureaus
- To respond to a subpoena or court order
— 05Opting Out
You may opt out — that is, direct us not to share your information beyond what is necessary to process your loan — by calling us at 248-793-5873 or emailing info@americanhl.com.
— 06Registration Information
We use nonpublic personal information for our internal purposes, including contacting you via email about updates to our services or providing you with information we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our users' nonpublic personal information to third parties.
— 07Advertising
At this time we do not display banner advertising on our site. We may send you email communications including information we think may be of interest to you. You may opt out of receiving promotional emails at any time by contacting us.
— 08Comments Submitted by Users
We continually seek to improve the quality of our services and the user experience on the Site. We value your input. You can submit comments by contacting us. If you provide comments, we will only use them to acknowledge or respond to your input. In certain circumstances, we may ask your permission to post your comments in marketing or promotional materials.
— 09Security
We use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Note that with current technology, we cannot guarantee the security of data as it travels over the internet.
— 10"Do Not Track" Requests
American Home Loans and other parties not affiliated with us may collect nonpublic personal information about your online activities over time and across different websites when you use our website or services. Industry standards for handling "Do Not Track" requests from web browsers are still evolving and there is currently no agreed-upon standard. As such, we may not separately respond to or take any action on a "Do Not Track" configuration in your internet browser. If you have questions about our tracking methods, please contact us.
— 11Correcting or Updating Your Information
To correct or update your information, please contact us at info@americanhl.com or 248-793-5873.
— 12Contacting Us
If you have any questions about this Privacy Policy or the practices of this Site, you may contact us at:
