Privacy Policy

Option One Mortgage Corporation
P.O. Box 57054
Irvine, CA 92619-7054

Option One's security procedures
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Clearly stated policies in our employee handbook, background checks on all employees and thorough on-the-job training in confidentiality and customer privacy ensure that our employees are committed to keeping your personal information safe and secure.

We have implemented extensive administrative, technical and physical safeguards and quality controls. These include:

-	Establishing policies and procedures for carefully handling your information.
-	Limiting physical access to central facilities through the use of state-of-the-art security systems.
-	Requiring third-party business partners to agree contractually to comply with privacy laws in order to do business with us.
-	Auditing company security practices.

We use advanced data-encryption and storage technology to protect your sensitive personal information. Also, we are proud members of recognized online privacy and security organizations such as VeriSign, Inc. When you are asked to enter personal information on an Option One website, our systems automatically switch to "secure" mode.

The following security features keep your data safe:

-	Sophisticated, industry-leading encryption and authentication technologies.
-	Website design that blocks or limits online display of customer information when not necessary to you or the transaction.
-	IDs and passwords to protect sensitive information.

We collect nonpublic personal information about you from the following sources:

-	Information we receive from you on applications or other forms.
-	Information about your transactions with us, our affiliates or others.
-	Information we receive from a consumer reporting agency.
-	Information we receive when you visit our Website, such as navigation patterns  at the site on an aggregate basis and information we collect through Internet cookies, such as time spent on our Website and which pages are visited.  Information we collect through Internet cookies does not identify you personally and is only used, for example, to help us understand which  features of our Website are most popular with our clients.

Types of information disclosed by Option One

Types of information that Option One discloses:

- We may disclose all of the information that we collect, as described above.

Categories of affiliates and nonaffiliated third parties that receive information from Option One.

We may disclose nonpublic personal information about you to the following types of affiliates and nonaffiliated third parties:

-	Non-financial companies, such as retailers, direct marketers, airlines, and publishers.
-	Financial service providers, such as mortgage lenders, mortgage bankers, banks,  securities broker-dealers, tax preparers, financial advisors and insurance agents.
-	Other parties, such as non-profit organizations.

We may also disclose nonpublic information about you to nonaffiliated third parties as permitted by law.

-	We may disclose all of the information we collect, as described above, to companies  that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Please consider that if you choose not to permit, that is "opt out" of, information sharing, your name may be excluded from mailings or other communications that may be of interest to you. Examples may include information about special promotions or other direct marketing programs. IF YOU CHOOSE NOT TO OPT OUT, YOU DO NOT NEED TO RETURN THIS FORM OR RESPOND IN ANY WAY.

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures. However, the right to opt out does not apply to disclosures permitted by law. The manner of exercising the right to opt out is described below.

We are permitted under law to share information about our experiences or transactions with you or your accounts (such as your account balance and your payment history with us) with our affiliates. We also may share additional information about you or your accounts (such as information we receive from you in applications and information from consumer reporting agencies) with our affiliates. You may direct us not to disclose to our affiliates this additional information (such as application information and information from consumer reporting agencies) by exercising your right to opt out. However, the right to opt out does not apply to information about our experiences or transactions with you or your account (such as your account balance and your payment history with us). The manner of exercising the right to opt out is described below.

Notice to Vermont, North Dakota, and California residents:
The information sharing practices described above are in accordance with Federal law. State law in Vermont, North Dakota, and California, places additional limits on sharing information. In accordance with these laws, Option One will not share information we collect except:

-	As required or permitted by law (such as in response to a subpoena) or;
-	To companies that perform services on our behalf (such as billing services) or;
-	With your authorization of consent.

If you wish to exercise your right to opt out from the disclosure of information to nonaffiliated third parties as described above and the disclosure of information to our affiliates as described above, you may print and complete the Opt Out Disclosure Form and mail it to the address below:

Option One Mortgage
Opt Out Department
P.O. Box 57054
Irvine, CA 92619-7054

You will need Adobe's Acrobat Reader to view the form. Click on the icon if you do not have this browser plug-in. Click on the Acrobat Reader icon to download

If you opt out, it will only apply to the information described above. If you have a joint account, any party on the account can exercise the right to opt out, and that opt out will apply to all parties on the account. Please note: Once you have opted out, it will remain in effect until revoked.