Privacy Policy

Privacy Policy

At Cardinal Financial Company, Limited Partnership, (NMLS ID 66247) dba Peoples Home Equity (“Peoples Home Equity”), we understand the importance of your personal and financial information (“Financial Information”). To protect your Financial Information, Peoples Home Equity has adopted the following privacy policy. By sharing Financial Information with Peoples Home Equity, whether through the Internet, over the phone, or other, you are indicating that you understand and consent to the following.

Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don’t knowingly attempt to solicit or receive any information from children.

Peoples Home Equity will use your Financial Information (such as name, address, social security number, telephone number, email address, etc.) to provide you with the financial services you request, to provide you with information about our financial services and offerings, and for our other everyday business purposes, such as to respond to court orders, comply with regulatory requirements, and conduct internal analysis.

Peoples Home Equity may use your Financial Information or website activity to send you email marketing communications. Peoples Home Equity may also use your Financial Information and website analytics (described below) to deploy targeted digital marketing and targeted offers.  If you do not want to receive these offers or promotions, send an email to clientcare@peopleshomeequity.com or call (855) 561-4944.

Peoples Home Equity will not sell or share your Financial Information with outside companies for their promotional use. While credit reporting agencies may share your information with other companies when you apply for a home loan, Peoples Home Equity will not do so. You can stop these calls and emails by opting out of these prescreened credit offers, call (888) 567-8688 or visit www.optoutprescreen.com.

Peoples Home Equity may record and save the Financial Information you share with us. We may share that Financial Information, on a confidential basis, to service providers such as title companies, credit reporting agencies, appraisers, and others who we work with in handling your loan (“Service Providers”). If you submit a loan application or a request to be prequalified to us, you authorize us to share your credit report and other Financial Information with our Service Providers for the purpose of processing your loan application or request.

In some instances, third parties (such as consultants, auditors, accountants, attorneys, or software developers) may need to access your Financial Information as part of services that they are providing to Peoples Home Equity. If any such third parties are given access to your Financial Information, they are strictly prohibited from using it for any reason other than to provide the service that Peoples Home Equity requested.

If you call Peoples Home Equity, we may record and/or transcribe the phone call. We do this to help ensure that we are providing you with the best possible customer service.

You may choose what Financial Information to share with Peoples Home Equity; however, some Financial Information may be necessary in order for us to fulfill your request. If you choose not to provide necessary Financial Information, we will not be able to provide you with the requested service.

If Peoples Home Equity is involved in a sale, merger, transfer, exchange, or other disposition, your Financial Information may be transferred to another entity as a part of that process.

In certain situations, Peoples Home Equity may be required to share Financial Information to comply with laws, court orders, subpoenas, search warrants, or law enforcement requests.

Peoples Home Equity takes care to protect the Financial Information you provide us. For Financial Information provided over the Internet, Peoples Home Equity uses both physical and digital security measures to keep your Information safe.

Peoples Home Equity may use “cookies” to help us better understand how customers use our website and to troubleshoot problems with sessions. We may also use cookies to make the experience of using our website easier for our customers. Your browser may be required to accept cookies from Peoples Home Equity in order to use certain features of our website.

Peoples Home Equity may also track usage data, including your IP address, which pages you view, how you came to our site, and other information about your experience with Peoples Home Equity’s website. This information is used to help us understand what parts of our website are most valuable to visitors, and what we can do to improve our website. We may also use cookies, analytics, and other technologies to develop new services, learn about the effectiveness of our advertising, and to learn what Peoples Home Equity offerings may be of interest to you.

Peoples Home Equity uses web analytics services, which currently include Google Analytics and Jornaya.

Google Analytics is a web analytics service provided by Google Inc. Google Analytics uses cookies and similar technologies to analyze how users use the Domains. The information generated about Domain usage (including your shortened IP address) is transmitted to Google in the U.S. This information is used to evaluate visitors’ use of the Domain, compile statistical reports on Domain activity, and provide other services related to the Site and Internet use. Google may also collect information about Domain visitors’ use of other websites. For more information about Google Analytics, or to opt out of Google Analytics, please go to: https://tools.google.com/dlpage/gaoptout.

Jornaya is a predictive analytics platform that gives us data about where users are clicking on our site. You can visit their privacy policy at: https://www.jornaya.com/consumer-privacy-policy/.

For more information about how Peoples Home Equity protects your Financial Information, or to get answers to any questions about our privacy policy, email us at clientcare@peopleshomeequity.com.