Privacy Policy

Our Commitment To Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested. We take our client’s financial privacy very seriously. During the course of processing your online application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow us as a lender to make an informed decision about granting you credit. We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

The Information We Collect

This notice applies to all information collected or submitted on the Michigan Mutual, Inc and/or Zoom Loan App website. On some pages, you can order products, make requests, and register to receive materials. The types of personal information collected at these pages.

Name, address, social security number, assets, email address, and income.

Information about your transaction with us, our affiliates, or others such as your account balances on your mortgages and or other creditors.

On some pages, you can submit information about other people. For example, if you are including a co-borrower, you will need to submit the co-applicant’s name, address. In this circumstance, the types of personal information collected are:

Name, address, social security number, assets, email address, income.

Information Shared

We may disclose the above information about you to the following types of third parties:

Financial service providers, such as Mortgage bankers, securities broker-dealers, and insurance agents.

Non-financial companies, such as title and escrow companies, appraisal companies ,etc. Others, such as non-profit organizations

We may disclose the above information to companies performing marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. By sharing this information, we can better understand your financial needs and offer products to help you better reach your financial goals.

The information sharing described above is subject to your right to direct that we do not make the disclosures, and this opt out right is provided to you as well. We may disclose non-public personal information about you, including consumer report type information that relates solely to our transaction and experiences with you (Other Information) with our affiliates who may have products or services that are of interest to you, or who may be able to offer assistance in connection with your transaction. You have the right to opt out of sharing of Other information with our affiliates.

We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Our Commitment To Children’s Privacy

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

How You Can Access Or Correct Your Information

You can access all your personally identifiable information that we collect online and maintain by Michigan Mutual, Inc. We will send a completed application for your review with all supporting disclosures. We use this procedure to better safeguard your information. You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.

To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

California Consumers (CCPA Privacy Notice)

This CCPA PRIVACY NOTICE is for California residents only and supplements the information contained in the Privacy Statement and applies solely to visitors, clients, users, and others who reside in the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA and does not cover all the data collected.

Your Rights include:
  • California consumers have the right to request that a business disclose what personal information it collects, uses, discloses, and sells.
  • Under CCPA, you may have the right to request the deletion of your personal information collected or maintained by the MiMutual Mortgage.
  • Under CCPA, you may have the right to opt- out of the sale of their personal information by a business.
  • Under CCPA, you have the right not to receive discriminatory treatment by the MiMutual Mortgage for the exercise of the privacy rights conferred by the CCPA.

Generally, all personal data collected in relation to a mortgage loan is exempt from the consumer rights to know, delete and opt-out created under CCPA. This is because the information collected is governed by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the California Financial Information Privacy Act or other state and federal laws which mandate certain data retention and therefore exempt this data from CCPA.

In the preceding twelve (12) months, MiMutual Mortgage has not sold any personal information and we have no intention of doing so in the future.

Should you still have questions regarding MiMutual Mortgage’s use of your information, privacy policies and practices, you may contact us at:

MiMutual Mortgage911 Military Street, Port Huron, MI 48060

(800) 700-5839