The Security We Use to Protect Your Information
We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our
servers. In order to use the site, users are required to be running an SSL-capable browser.
What Information We Collect From You
We collect various types of personal information about you during the normal course of offering and
providing real estate and/or mortgage services. This includes but is not limited to: Information you provide
in order to purchase a home and/or obtain a home loan including your name, phone number, address,
social security number, email address, employer’s name and address, income, assets, liabilities, and
answers to questions of both personal and financial matters; communications from you regarding your
loan(s) such as a change of employment; information obtained from third parties such as consumer
reporting agencies or credit bureaus, employers, depository institutions and others, that we use to
evaluate a loan application; information that we may gather in compliance with certain laws and
regulations, such as the Home Mortgage Disclosure Act.
Sharing of the Information Gathered on This Site
We are the sole owner of the information collected on this site. However, in order to process your loan we
must share some of the information with certain third parties. These third parties include: appraisal
companies, credit agencies, lenders, mortgage insurance companies, title and escrow companies.
What Cookies Are and How They Are Used
A cookie is a small amount of data that is sent to your browser from a web server and stored on your
store or transmit any personal information about you on the Internet.
This site contains external links (links to other sites). We are not responsible for the privacy practices or
the content of such web sites.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this
web site, please contact us.
Updating or Deleting Your Information, Including Demographic and Profile Data
You may update or delete your information at any time prior to completing an online data form. Once your
online form is completed and submitted, you will not be able to change any of the information online. You
will need to contact us via email, phone or postal mail to request that we update or delete your
Demographic and Profile Data
We may share certain aggregated demographic and profile data with government agencies. Aggregate
data excludes information that would enable any individual to be identified. We also collect certain data
(including your IP address) about your visit to our web site in our log files to enable us analyze site traffic
and gather broad demographic data. The data in our log files are not linked to personally identifiable
Between You or User & Green Shield Financial
Please read this agreement (“Agreement”) carefully before accessing or using this web site (“Site”). By
accessing or using the Site, you agree to be bound by this Agreement. Green Shield Financial. and its
suppliers provide the information and services on this site to you, the user, conditioned on your
acceptance without modification of the terms, conditions and notices contained herein. Your use of this
site and accessing its content constitutes your agreement to all the terms, conditions and notices
contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither Green
Shield Financial., nor its suppliers or users are engaged in rendering legal or other professional services
or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the
Green Shield Financial. and its agents assume no responsibility for any consequence relating directly or
indirectly to any action or inaction that you take or don’t take based on the information, services or other
material on this Site. While Green Shield Financial. and its suppliers, strive to keep the information on
this Site accurate, complete and up-to-date, Green Shield Financial., and its suppliers cannot
guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or
timeliness of the information.
PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However,
You may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and
use in another Web page, use on any other web site, transfer or sell any information, products or services
obtained from this Site. If and when requested by Green Shield Financial., you agree to provide true,
accurate and complete user information and to refrain from impersonating or falsely representing your
affiliation with any person or entity. Except with the written permission of Green Shield Financial., you
agree to refrain from accessing or attempting to access secure or non-public areas of this Site.
Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.
Individuals that violation these prohibitions will be prosecuted.
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or
licensed by Green Shield Financial. and its affiliates. ©Copyright Green Shield Financial. 2008. All
rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Site is
permitted without the written permission of Green Shield Financial. and / or its affiliates.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless Green Shield Financial., that you
will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and
applicable federal and state laws. If you violate any of these terms, your permission to use the Site
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need
for servicing or replacing property, loss of money, material, equipment or data, neither Green Shield
Financial., nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY
INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED
TO THE INFORMATION HEREIN. Green Shield Financial., ITS AFFILIATES AND/OR ITS
RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR
CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES,
PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES
ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL Green Shield
Financial., ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY
CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS
SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED
THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER
BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF Green Shield
Financial., ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY
OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR
LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE
LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless Green Shield Financial., its affiliates and suppliers
from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation
of this Agreement.
LINKS TO THIRD PARTY SITES
Outside Links – While on this web site, you may be led to other web sites operated by parties other than
Green Shield Financial., or its affiliates. Inclusion of hyperlinks by Green Shield Financial., to web sites
does not imply any endorsement of the material on such web sites or any association with their operators,
and you access and use such sites, including information, material, products and services therein, solely
quality or results or any product or service provided by these companies. Review their products and
information. Their own privacy policies may be different than ours. We are not responsible for the use of
the information that you give these third parties.
CHANGES TO AGREEMENT
Green Shield Financial. may and can modify this Agreement at any time, and such modifications shall
be effective immediately upon posting of the modified Agreement. It is your responsibility to review this
Agreement periodically, and your continued access or use of this Site will be deemed to be your
acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older and located
within the United States of America. Accessing or using this website by any person under the age of 18 or
from locations outside the United States is prohibited.
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed
by and construed in accordance with the laws of New Jersey without giving effect to any principles of
conflicts of law. Failure by Green Shield Financial. or its affiliates to strictly enforce any provision of this
Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any
statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or
this Agreement must be filed within one (1) month after such claim or cause of action arose or be forever
barred. Any legal action or proceeding between Green Shield Financial., and/or its affiliates and you
related to this Agreement shall be brought in federal district court and/or by methods of mediation. You
agree that the decision as to where to bring or hold these proceedings is at the sole discretion of Green
Shield Financial., and/or its affiliates.
Green Shield Financial. logos, products and service names are trademarks owned by and licensed to
Green Shield Financial., or its affiliates (the “Marks”). Without the prior written permission of Green
Shield Financial., or its appropriate affiliates, you agree not to display or use in any manner, the Marks.
All other trademarks are the property of their respective owners.
2. General Disclosures
In accordance with state and federal regulations, the following disclosure and licensing information is
available for you to review online:
Home Mortgage Disclosure Act
Equal Housing Opportunity Lender
Equal Credit Opportunity Act Fair Lending Notice
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending is available for review. The data shows
geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and
borrowers; and information about loan approvals and denials. Inquire at 4390 Airwest Drive SE
Kentwood, Michigan 49512, regarding the location of where our HMDA data may be inspected. To
receive a copy of the data, send a written request to:
Green Shield Financial
c/o Compliance Department
4390 Airwest Drive SE Kentwood Michigan 49512
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of
1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap,
familial status, or national origin:
In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of real estate brokerage service
In the appraisal of housing
Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing
discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and
Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants
on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant
has the capacity to enter into a binding contract); because all or part of the applicant’s income derives
from any public assistance program; or because the applicant has in good faith exercised any right under
the Consumer Credit Protection Act. The federal agency that administers compliance with this law
concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
Fair Lending Policy
Green Shield Financial. is committed to fair lending practices. It is our policy to make credit products
available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe
and sound lending.
Green Shield Financial. does not discriminate against any credit request on the basis of race, color,
religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to
enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the
individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any
No High-Cost Loans
Green Shield Financial. is also committed to not originate loans that would be considered “High Cost
Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).
No Predatory Lending
Green Shield Financial will not originate loans that have “Predatory” characteristics nature. We also do
not require that borrowers purchase single paid, or life credit insurance premiums from Green Shield
4. Disclosure Information
All applications are subject to underwriting approval. Not all applicants will be approved. Fees and
charges may apply. Terms, conditions & restrictions apply. Rate and term may vary based on individual
loan characteristics. Rates are subject to change without notice. Not all applicants will be approved.
Minimum credit score may apply. Documentation, acceptable properties, insurance, and underwriting is
based on individual loan characteristics. Loans are secured by liens against real property. Waiving
escrow may require a higher rate or additional fees. By refinancing a consumer’s loan, the total finance
charges may be higher over the life of the loan. Call for further details.
We take your privacy seriously. We are committed to protecting the personal information and privacy of
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either
during your visit to our web site or when you work with Green Shield Financial. as a client.
Information We Collect About You during Your Online Visit
Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit
(cookies). This information may include the time and length of your visit, the pages you view on our site,
the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and
provide information that may be of interest to you.
We may use encryption to protect your information as it travels across the Internet. This can help prevent
others from eavesdropping on your browser sessions with our Web servers.
Our Web site may be protected by firewall technology, which helps prevent your information and our Web
site from being improperly accessed.
We will utilize the best available technologies and methods in order to ensure your information is safe
while traveling through the internet. Additionally, we will never ask you for sensitive information (Social
Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site.
Website Visitor/User Information Sharing
We may at times share your information as a visitor or user of this Site to other third parties. These third
parties might either be affiliated companies or within the United family of companies. Also, these third
parties may be non-affiliated companies. Other third parties may be companies that are acting or
performing on our behalf.
This information sharing may either be done to serve you better, to offer products and services that may
be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.
Lastly, we may at times receive compensation for sharing this information to third party companies. This
information sharing may be the result of marketing agreements that exist between Green Shield
Financial. and third party non-affiliated marketing partners.
*Please see opt out details below if you wish to opt out of this policy.
Information Collection and Sharing Practices for Existing Customers
Existing Customer/Previous Users
If you are a Green Shield Financial. customer details about the information we collect and how it may be
information regarding your privacy choices. We collect information about you when you:
Apply for a loan
Inquire about a loan
Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates,
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous Green Shield
Financial. customers to:
Run our everyday operations
Respond quickly to your requests or needs
Help us communicate with you
Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
Name, address, and other account application information
Account balances, transactions, and payment history
Identify information such as your social security number, license number, and date of birth
Creditworthiness including credit history, credit reports and credit score
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting
agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard
insurance companies, and your own creditors. These types of third parties are called non-affiliated third
parties. However, this information is only shared in an attempt to serve you and your needs.
We may also share some of this information with companies performing services on our behalf. These
types of vendors are called service providers.
We may share information we collect about you with companies with whom we have formal agreements
to offer you additional products and services. These types of relationships are called joint marketing
Finally, we may share information we collect about you with companies related by common control or
otherwise affiliated with Green Shield Financial., for example; United Insurance Agency. This is to offer
you products and services that may be of interest to you. These types of companies are called affiliates.
Benefits of sharing
We need to collect and share information about our customers to help us communicate with you. We also
need to do so in order to serve you better and avoid repetition. We also may share customer and former
customer information within United Mortgage’s family of businesses and with valued partners or our
employees in order to evaluate eligibility, or to offer and recommend products or services that may be
right for you.
Customer Information Sharing Choices/Opt Out
Federal law requires us to tell you how we collect, share, and protect personal information about our
customers. While Federal law allows us to share information about you to run our business, to perform
services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of
your personal information.
About your credit worthiness with our affiliates
To all non-affiliates to offer you their products and services
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in
accordance with federal law. As a Green Shield Financial customer, you received our Privacy
Notice/Policy when you became our customer or when you initially became interested in becoming our
at any time by informing us of that you choose to opt out and by telling us how you do not want your
information shared by calling 616- You may notify us of your choices at any time.
If your past choices have not changed, you only need to tell us one time, as long as you remain Green
Shield Financial Customer.
Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use
security measures that comply with federal law to protect customer information.
Our policy is to treat customer information as we would want our own information treated. We train
employees on handling and securing customer data to maintain protection and security. It is the
responsibility of every associate, affiliate, and non-affiliate to care for personal information about our
Some of the steps we take to protect your information is securing all computer terminals with password
protections, locking sensitive information in storage, shredding all documentation containing client
information, and performing background checks on all employees.
We are committed to maintaining accurate and up-to-date information on you and all of our customers
and web visitors. We may contact you from time to time to verify that we have accurate information for
you or to update the information that we have.
How to contact us regarding this site:
GSF 4390 Airwest Drive SE
Kentwood Michigan 49512
Policy Effective Date
This Online Privacy Statement is effective July 15, 2008 and shall remain in effect until amended. Green
Shield Financial. reserves the right to change and amend this Privacy Statement or to alter any of
Statement on our web site in a timely manner so please check periodically.
Identity Theft / Fraudulent Activities
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information
(or PII) of another person without their permission to commit fraud or other crimes, such as Account
Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person’s
existing credit account information and purchases products and services at the victim’s expense.
Application Fraud occurs when an individual uses another’s Social Security Number or other Personally
Identifiable Information to open new credit accounts in the victim’s name.]
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud
alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies
will send you a copy of your credit report at no charge.
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not
initiate, and for personal information (such as home address and social security number) that is not
accurate. If you see anything you do not understand or any accounts you did not open, call the credit
reporting agency at the telephone number on the report.
If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit
report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-
877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.
To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further
information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580