Privacy Policy
Who we are
Suggested text: Our website address is: https://truhome.com.
Comments
Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
Suggested text: If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Suggested text: Visitor comments may be checked through an automated spam detection service.
PRIVACY POLICY
FACTS
What does TruHome Solutions, LLC
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?
- Social Security number and Account Transactions
- Payment History and Mortgage Rates and Payments
- Account Balances and Transaction History
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons TruHome Solutions, LLC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
Do we 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 offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Yes
No
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 our non-affiliates to market to you
Yes
Yes
To Limit Our Sharing
Call (866) 981-1700 – our menu will prompt you through your choice(s) or;
Visit us online: https://www.truhome.com/privacy-policy/
Please Note: If you are a new customer, we can begin sharing your information 30 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.
However, you can contact us at any time to limit our sharing.
Questions?
Call (866) 981-1700 or go to https://www.truhome.com/privacy-policy/
Who We Are
Who is providing this notice?
TruHome Solutions, LLC
What We Do
How does TruHome Solutions, LLC 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 TruHome Solutions, LLC collect my personal information?
- Apply for a loan or Provide your Mortgage Information
- Pay us by Check or Give us your Contact Information
- Provide Employment Information
Why can't I limit all sharing?
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?
Definitions
Affiliates
- Our affiliates include financial companies such as CommunityAmerica Credit Union, CommunityAmerica CUSO One LLC, Mazuma Credit Union, Randolph Brooks Federal Credit Union
Non-Affiliates
- Non-affiliates we share with can include credit unions
Joint Marketing
- Our joint marketing partners include credit unions
Other Important Information
VT: Vermont residents are automatically treated as if they have limited the sharing as described on page one. For joint marketing, we will only disclose your name, contact information and information about your transactions.
Privacy Policy Opt-Out Request Form
The selections you make here will apply to everyone on your mortgage loan. You may also set your preferences by calling us at (866) 981-1700.
CALIFORNIA (CCPA) DISCLOSURE
California Consumer Privacy Act (CCPA) Disclosure
Last Updated: January 1, 2020
Rights for California residents
This notice explains how TruHome Solutions, LLC collects, uses, and discloses personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This notice is provided pursuant to the CCPA.
Purpose
The CCPA establishes certain definitions and requirements related to the collection, use, and disclosure of information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident. Importantly, the CCPA does not apply to all information, including information subject to the Gramm-Leach-Bliley Act (“GLBA”).
Classification of Information Collected and Disclosed
We collect and disclose, for our business purposes, the following categories of personal information:
- Personal identifiers, including names and government-issued identification numbers;
- Protected classifications, including age, date of birth, marital status, and military status;
- Personal contact information and financial information;
- Employment information and work history detail;
- Education information and educational background;
- Electronic and audio information, including recorded telephone conversations.
The categories of sources where we collect and disclose this information include:
- TruHome’s Credit Union clients, subject to mutually executed service agreements, for services provided by TruHome on behalf of our clients;
- Our affiliate institutions;
- Individual consumers (directly);
- Service providers, including data resellers and credit reporting agencies;
- Publicly available information.Your Rights
If you are a California resident, you may have certain rights under the CCPA, including:
- The right to request details concerning information related to the 12 months immediately preceding your request:
- The categories of personal information we collected about you;
- The categories of sources used to collect the personal information about you;
- The reason for collecting your personal information; and
- The categories of third parties with whom we share your personal information;
- The right to request deletion of your personal information that we collected; and
- The right not to be discriminated against for exercising any of these rights.
If you submit a request on another person’s behalf, we may require proof of authorization to submit such request and may request information to verify the identities of the parties involved in the request.
When you submit a request, we will acknowledge receipt of your request and will provide a timeline for our formal response if one cannot be provided immediately.
If an exception applies, such as one related to GLBA, your request will be denied.
Use of Personal Information
TruHome utilizes the information outlined in this disclosure for the following purposes:
- To provide account management and origination services to you;
- To sell and/or communicate services with you;
- To secure and ensure the security of our property and infrastructure;
- For audit and review purposes;
- For compliance purposes; to ensure compliance with applicable laws.
Sale of Personal Information
We do not sell personal information as contemplated by the CCPA.
Collection of Information Relating to Minors
We do not collect information relating to minor individuals (those under the age of 18).
Exercising Your Rights
- Submit a request form by clicking the link below, or;
- Call us at (866) 981-1700
Additional Questions
Questions and other inquiries may be directed in writing to:
TruHome Solutions, LLC
Attn: Compliance Manager
9601 Legler Road
Lenexa, KS 66219
Modifications to this Disclosure
This disclosure may be changed at any time by TruHome and is considered delivered to you when made available on our website. The date of the disclosure will be updated to reflect the most recent change posting.