Privacy Policy

FACTS

WHAT DOES SOUTHERN TRUST MORTGAGE, LLC DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal   information.  Federal law gives   consumers the right to limit some but not all the sharing.  Federal Law also requires us to tell you   how we collect, share and protect your personal information.  Please read this notice carefully to   understand what we do.

 

What?

The types of personal information we collect and share   depend on the product or service you have with us.  The information can include:

  • Social   Security number and Assets
  • Income   and Employment Information
  • Credit   Scores and Credit History

 

How?

All financial companies need to share customers’   personal information to run their everyday business.  In the section below, we list the reasons   financial companies can share their customers’ personal information; the   reasons Southern Trust Mortgage, LLC chooses to share; and whether you can   limit this sharing.

Reasons we can share your personal information

Does Southern Trust Mortgage, LLC share?

Can you limit this sharing?

For our everyday business purposes—

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

For our marketing purposes—

To offer our products and services to you

YES

For joint marketing with other financial companies--

NO, we don’t share

For our affiliates’ everyday business purposes—information about your transactions and experiences

YES

For our affiliates’ everyday business purposes— Information about your creditworthiness

YES

For our affiliates to market to you

YES

For our nonaffiliates to market to you

NO, we don’t share

To limit oursharing

  • Call toll-free (800) 748-2147- our menu will prompt you through your choice(s)
  • Use the Mail-in form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.  When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free   (800) 748-2147

Mail-In   Form

[If you have a joint account, your choice(s) will apply to everyone on your account.]

Mark any/all you want to limit :

   [_] Do not share information about my creditworthiness with your affiliates for their

        everyday business purposes

   [_] Do not allow your affiliates to use my personal information to market to me

Mail to:

SOUTHERN TRUST   MORTGAGE, LLC

Operations   Department

4433   Corporation Lane, Suite 300

Virginia Beach,   VA 23462

 

Who we are

Who is providing this notice?

Southern Trust Mortgage, LLC

What we do

How does Southern Trust Mortgage, LLC protect my personal information?

To   protect your personal information from unauthorized access and use, we use   security measures that comply with federal law.  These measures include computer safeguards   and secured files and buildings.

How does Southern Trust Mortgage, LLC collect my personal information?

We collect your   personal information, for example, when you

  • Apply   for financing or give us your income information
  • Provide   account information or provide employment information
  • Give us   your wage statements

We also collect   your personal information from others, such as creditbureaus, affiliates or other companies

Why can’t I limit all sharing?

Federal law   gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes—information about your   creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and   individual companies may give you additional rights to limit sharing

What happens   when I limit sharing for an   account I hold jointly with someone else?

Your choices will apply to everyone on your account

Definitions

Affiliates            

Companies   related by common ownership or control.    They can be financial and nonfinancial companies.

  • Our affiliates include companies with a common corporate identity of Southern Trust Mortgage, LLC; financial   companies such as Sonabank and EVB, A Virginia banking corporation.

Nonaffiliates

Companies not   related by common ownership or control.    They can be financial and nonfinancial companies.

  • Southern Trust Mortgage, LLC does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal   agreement between nonaffiliated financial companies that together market   financial products and services to you.

  • Southern Trust Mortgage, LLC does not jointly market.