Disclosures

Trebor Reverse Mortgage, L.L.C.  NMLS 1524299   6427 Arbor Rose Ln Spring, Texas 77379 

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This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.

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Trebor Reverse Mortgage, L.L.C. is a licensed mortgage broker in the state of Texas by the Department of Savings and Mortgage Lending and in California by the Department of Financial Protection and Innovation.  National Mortgage Licensing System Company NMLS #1524299 For licensing information go here:  https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1524299

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*Trebor Reverse Mortgage, L.L.C. currently does not solicit or originate in Spanish

 

This is not a commitment to lend. All loans are subject to approval.

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We will submit your loan application to a participating lender. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will be compensated in compliance with Section 1026.36(d) of Regulation Z (12 C.F.R.§ 1026.36(d)) (if applicable). Pursuant to Sections 156.004(b) and 156.102 of the Residential Mortgage Loan Company Licensing and Registration Act, Chapter 156, Texas Finance Code, you are hereby notified of the following: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

 

Additional Notice for California Residents

This section of our Privacy Notice applies to residents of California.

Personal Information about California Consumers

The information we have collected from California consumers in the previous twelve months consists of the information listed below.

• Identifiers, which include name, postal address, email address, social security number, bank account data and other financial identifiers, unique personal identifiers, online identifiers, IP address, and other similar identifiers.  We collect identifiers such as name, address and contact information in order to provide you with our Products and Services.  We may collect your IP address and unique device identifiers when you visit our websites. We may also receive information about a disability, where relevant to the Services we provide, such as when a custodian is acting on your behalf.

• The following categories of personal information described in California Civil Code §1798.80(e): (1) the personal information listed in the preceding bullet point as “identifiers,” (2) signature, (3) telephone number, (4) payment information (including payment card details or online payment services number and invoicing address) and financial information, and (5) the other information that identifies, relates to, describes, or is capable of being associated with, a particular individual.

• Protected classification characteristics under California or federal law (for example, race, marital status, disability status, and ancestry).

• Commercial information about your transactions and experiences with us and others, including loan status and payment history.

• Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with the Site and mobile application, and advertisements that we display on the Site or mobile applications or on third party sites and mobile applications.

• Audio information from calls made to us, which may be recorded, and electronic information in the form of Internet or other electronic network activity information as described above.

• Professional or employment-related information, in the form of business contact information. We may also obtain information such as education or employment history from credit bureaus, which we use to help prevent and detect fraud and to offer certain services.

• Inferences drawn from (1) the information we collect when you visit our websites, (2) information we collect, including through third-party suppliers, regarding content and other data posted on the Internet (such as public locations on the Internet), and (3) information about consumer preferences and behavior that we collect on our websites or purchase from third parties in order to create a profile about a consumer reflecting the consumer’s preferences, characteristics, predispositions, behavior, and attitudes.

We collect the above personal information directly from consumers, as well as from other sources, including credit bureaus, fraud-detection services, public databases, social media platforms, and third-party partners such as analytics or marketing providers. 

We use personal information in the above categories for the following business purposes:

• To provide information and respond to your requests

• For our core business purposes, such as providing quotes for loans, processing applications, establishing and servicing your mortgage, responding to your inquiries and providing customer support

• To operate, evaluate and improve our business, including developing new products and services, and analyzing and enhancing our products, services and websites

• To perform data analyses (including market and consumer search and analytics, trend analysis and profiling, financial analysis and anonymization of personal information)

• To protect against, identify and prevent fraud and other prohibited or illegal activity, claims and other liabilities

• To comply with applicable legal requirements and our policies

• To establish, exercise and defend legal claims

• To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to prosecute those responsible for that activity

• To maintain and enhance the security of our systems and data

• To conduct marketing activities and communicate with you regarding products and services of Trebor Reverse Mortgage, L.L.C. and our partners that we think may interest you

• To undertake internal research for technological development

• To deliver website and mobile app content (including advertising) based on your interests and browsing history

• To enable you to interact with us through social media platforms

• For other purposes permitted by law or to which you consent

We disclose the above categories of personal information for the business purposes identified above to affiliates, service providers in connection with their provision of services to us. In addition, we may disclose information (i) when required by law, regulation or legal process (such as a court order or subpoena), (ii) in response to requests by government agencies, such as law enforcement authorities, or (iii) when necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity; and (iv) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation).

Sales of Personal Information

In the previous twelve (12) months, we have disclosed identifiers, inferences, and electronic network activity to third-party analytics and marketing partners, including via Data Technology. These disclosures may qualify as “sales” of personal information under California law.

Your California Privacy Rights

If you are a California resident, you have the following rights:

(1) The Right to Know.  You have the right to request that we disclose to you the categories and specific pieces of information we have collected about you.  Specifically, you have the right to request that we disclose of what personal information we collect, use, disclose and sell, including:

• Specific pieces of information that we have collected about you

• Categories of personal information we have collected about you

• Categories of sources from which the personal information is collected

• Categories of personal information about you that we sold or disclosed for a business purpose;

• Categories of third parties to whom the personal information was sold or disclosed for a business purpose; and

• The business or commercial purpose for collecting or selling personal information.

(2) The Right to Deletion.  You have the right to request that we delete the personal information that we have collected about you.

(3)  The Right to Opt-Out.  You have the right to opt-out of the disclosure of personal information about you for monetary and other valuable consideration.  To opt-out contact us through the contact page or as listed below under “How to Exercise These Rights”.

Verification Process

For requests made in connection with the Right to Know or Right to Delete, as required under applicable law, we must take steps to verify your request before we can provide personal information to you, delete personal information, or otherwise process your requests.  We may limit our response to your exercise of the above rights as permitted by law.

Authorized Agents

You may designate an authorized agent to make a request on your behalf.  An agent may be an individual, or a business entity registered with the California Secretary of State.  To designate an authorized agent, you must provide the agent with written permission to submit the request.  We may still require you to verify your identity directly (subject to certain exceptions). We may refuse a request if the agent does not provide adequate proof of their authorization.

Even if you choose to use an agent, we may, as permitted by law, require:

• The authorized agent to provide proof that the consumer gave the authorized agent signed permission to submit the request;

• The consumer to verify their identity directly with the business;

• The consumer to directly confirm with us that they provided the authorized agent permission to submit the request.

Non-Discrimination

We may not discriminate against you for exercising any of your rights under the CCPA.  This means that we may not deny you services, charge you different prices or rates for services, provide you with a different level or quality of services, or suggest that we will do so in response to a request made under the CCPA.  However, we may charge different prices or rates, or provide a different level or quality of services, where that difference is reasonably related to the value provided to us by your personal information.
 

How to Exercise These Rights

You may request to exercise the foregoing rights by:

• Calling us toll-free at 800-774-2186;

or

• Mail your request to: Trebor Reverse Mortgage, L.L.C., 6427 Arbor Rose Ln, Spring, TX 77379