How We Use and Protect Customer Information
Robus Finance LLC does not share our customer information outside of our corporate family unless or required by applicable laws and regulations. You do not need to take any further action.
Robus Finance LLC recognizes and respects your personal privacy rights. We realize that you entrust us with personal information, and we take this trust very seriously. It is our policy to maintain your information in a confidential manner and we are committed to providing our customers with the highest level of security and privacy regarding the collection and use of personal information.
We want you to understand what information we collect, how we use it, and what we do to keep it secure.
Information We Collect
We collect publicly available information and nonpublic personal information that you provide from the following sources:
• Information we receive from you on applications or other forms
• Information we receive from others, such as credit bureaus, appraisers, or employers
• Information about other credit relationships when we verify personal information you have provided to us.
How We Use and Disclose Information as Required by Law
We use information collected to assess creditworthiness based on internal and investor mortgage guidelines to meet your credit goals. Information may be shared or used with our affiliates organized company for authorized purposes such as originating, funding and servicing mortgage loans. Robus Finance LLC does not sell or disclose personal non-public information with companies not affiliated with Robus Finance LLC. Robus Finance LLC does report certain statistical and transactional information as required by law and regulation. The primary laws that govern this issue on the federal level are the Gramm-Leach-Bliley Act of 1999; Regulation P, “Privacy of Consumer Financial Information”; and The Fair Credit Reporting Act, and Regulation C. We will be happy to provide or direct you to obtain information about these laws if you desire.
How We Protect Your Information
We limit access to customer information to only those employees who need the information to perform specific responsibilities. Access is permitted on a “need to know” basis. We have internal policies and electronic safeguards that prevent the sharing of information that is not required by an employee to complete their job functions. We train our employees to safeguard customer information and incorporate internal policies that cover the unauthorized disclosure or use of that information. We require companies that we do business with to adhere to these standards.
Texas Complaint Notice
Figure: 7 TAC §80.200(b)
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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 WEBSITE AT WWW.SML.TEXAS.GOV.”