Privacy Policy

Privacy Policy

A print version of our privacy policy can be found here.

Privacy Policy

Facts WHAT DOES RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS 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
  • Income
  • Mortgage rates and payments
  • Assets
  • Credit History and Credit Scores
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 RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does RUOFF HOME MORTGAGE COMPANY, INC, d/b/a EXPEDITE HOME LOANS 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 to report to credit bureaus. Yes No
For our marketing purposes - to offer our products and services to you. Yes Yes
For joint marketing purposes with other financial companies No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness Yes No
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
To limit our sharing Complete our Online Opt Out Request Form or call us at 1-800-643-3820. Our menu will prompt you through the choice(s)
Visit Us Online: www.expeditehomeloans.com/opt-out
Please Note:
If you are a new customer, we can begin sharing your information 31 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.
Questions Visit our online Client opt-out or call 1-800-643-3820
Who We are
Who is providing this notice? RUOFF MORTGAGE COMPANY INC, d/b/a EXPEDITE HOME LOANS
What we do
How does RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS 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. Ruoff Home Mortgage adheres to Gramm-Leach-Bliley Act
How does RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS collect my personal information? We collect your personal information, for example, when you apply for a loan.
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 credit worthiness
  • Affiliates from using 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? Your choices will apply to everyone on your account - unless you tell us otherwise
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Ruoff Insurance Company
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS does not share with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you
  • RUOFF MORTGAGE COMPANY, INC. d/b/a EXPEDITE HOME LOANS does not share with nonaffiliates so they can market to you.