Standard Disclaimer

 

Legal

 

 

© 2010 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, a PlainsCapital Company (NMLS #: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WY. Licensed by the Alabama State Banking Dept.license #21004, Arizona Dept. of Financial Institutions-license #BK 0907334; California Department of Corporations license #4130996; Connecticut Department of Banking-license #ML-13649; District of Columbia Department of Insurance, Securities and Banking- license #MLO13649, Illinois Dept. of Financial and Professional Regulation-license #MB.6760635; Indiana Dept. of Financial Institutions- license #11169; Maine Dept. of Professional & Financial Regulation-license #SLM8285; Maryland Dept. of Labor, Licensing & Regulation-license #11058; Massachusetts Division of Banking – Mortgage Lender & Broker License #MC5404, MC5406, MC5414, MC5450, MC5405; Michigan Dept. of Labor & Economic Growth-license #FR 0010163 and SR 0012527; Nevada Dept. of Business and Industry, Division of Mortgage lending-exempt license #732; New Hampshire Dept. of Banking- license #14553-MB; New Jersey Dept. of Banking and Insurance-license #0803658; New Mexico Regulation and Licensing Dept., Financial Institutions Division-license #01890; North Dakota Dept. of Financial Institutions-license #MB101786; Texas Regulated Loan License-license #7293; Vermont Dept. of Banking, Insurance, Securities and Health Care Administration- lender license #6127 and broker license #0964MB; Washington Dept. of Financial Institutions-license #520-CL-49075; Wisconsin Department of Financial Institutions-license #214170. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender.



 

Privacy Policy for Customers

 

 

How we use and protect customer information

We do not share information with outside companies.

We do not share non-experience information within the PlainsCapital family.

No action is required on your part to get the highest level of privacy protection we can offer.

At PlainsCapital Bank, we have made the decision to not share customer information about our customers outside of our corporate family, unless, it is permitted (or required) by applicable laws and regulations. You do not need to take any further action.

PlainsCapital Bank 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. Although we are bankers, we are also consumers, and we strive to treat our customers in the same way that we want to be treated.

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 about you from the following sources:


 

How We Use Your Information

We use the information we collect to service your account and administer your customer relationship. Information may be shared or used within our family of companies for a number of authorized purposes, such as:


 

Sharing With Nonaffiliated Companies

From time to time, we will share customer information with those companies, which are not affiliated with our corporation, in order to provide the products and services that you have requested or already have with us. These companies may include (but are not limited to) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer's information confidential, and use of the information is strictly limited to providing the services we have asked them to perform for you and us.


 

Sharing With Affiliated Companies

Under certain circumstances, customer information is shared with other groups within PlainsCapital Corporation, (holding company for PlainsCapital Bank and its subsidiaries), to market additional products and to ensure we are considering your entire relationship with us when making decisions about your products. We might also share information with these companies in order to provide services necessary to maintain your accounts. Through the normal course of business and better serving your financial needs, PlainsCapital Bank will continue to share transaction and account experience information, as well as other general information among our family of companies as permitted or required by law. The Fair Credit Reporting Act restricts us from sharing non-transactional information within our family of companies, unless we give you the option of telling us not to. We have already made that choice for you, as it is our policy to only share information related solely to transactions or other experience directly with us.


 

How We Protect Your Information

We limit access to customer information to only those employees who need the information to perform their specific responsibilities. Access is permitted on a "need to know" basis. We have and use 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 on how to safeguard customer information and also incorporate internal policies that cover the unauthorized disclosure or use of that information. We require companies that we do business with to also adhere to these standards.


 

Disclosures Permitted by Law

We do not disclose any customer information to affiliated or nonaffiliated third parties except as permitted by law. 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. We will be happy to provide further information about these laws if you desire.


 

Important Information

PlainsCapital Bank is chartered under the laws of the State of Texas; and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against PlainsCapital Bank should contact the Texas Department of Banking through one of the means indicated below.
PlainsCapital Bank also engages in the business of selling money orders and travelers checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint concerning the sale of check activity should contact the Texas Department of Banking.

In person or by U.S. Mail:
2601 North Lamar Blvd., Suite 300,
Austin, Texas 78705-4294
Telephone No.: 877-276-5554
Fax No.: 512-475-1313
E-mail: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us


 

Family of Companies

The following is a list of affiliated companies of PlainsCapital Corporation and PlainsCapital Bank, as of July 2006, to which this privacy policy applies:


 

Website Privacy Policy

Visitors to the PlainsCapital website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

We use this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages the visitor uses within the site and to know if the site has been visited previously.



 

Online Security Statement

 

 

PrimeLending, A PlainsCapital Company, places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.

Completing Online Forms

When you complete a form online, such as an online mortgage application, PrimeLending has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to PrimeLending. If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, you can look for it to read https:// at the beginning of the URL. With it typically reading http://, the addition of the "s" means the site you are visiting is secure. With PrimeLending, you are covered!

Emailing

When emailing your PrimeLending contacts, please keep in mind the security settings from which you are transmitting this information. While information we share via email within our organization is guarded and secure, messages emailed in from outside providers cannot be guaranteed. When communicating with your PrimeLending contents, please be sure only to send confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure of the security settings of your email, it is often safer to provide confidential information via the postal system, by calling or through visiting the office location.

Linking Outside of the PrimeLending Website

PrimeLending is not held responsible for any information or content found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party's site's content is not guaranteed. Third party sites also operate under different privacy and security policies which may be different from those of PrimeLending.



 

Home Mortgage Disclosure Act

 

 

Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials.

This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.

To receive a copy of these data send a written request to:

PrimeLending, A PlainsCapital Company
Compliance Department
18111 Preston Road, Suite 900
Dallas, TX 75252



 

The Federal Equal Credit Opportunity Act

 

 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.