Pivot Financial Partners, Inc. DBA Pivot Lending Group (referred to in this document as Pivot) is bound to protect the privacy of its clients and their clients. It is committed to protect its financial partners as well as all consumers (past/present) it ever has contact with by guarding all private, personal and proprietary information that it may be entrusted with or come into contact and control of.
Pivot, in the course of business, is provided personal information by consumers and business partners. Examples include but are not limited to:
- Loan files
- Credit statements
- Tax Statements
- Personal financial statements
- Legal records
- Banking correspondence
Pivot, in the performance of its duties may also collect personal information from others such as credit unions, insurance companies and tax assessors.
Purpose of Collected Information
Information is collected only for the purpose of doing business and assuring the highest quality and accuracy of service to each of Pivot clients (members, credit unions, etc.). The information is used to originate loans as well as provide accountings to financial partners/investors as well as meet regulatory and legal requirements Federal law gives consumers the right to limit some but not all sharing of personal information.
Federal law also requires disclosure of how personal information is obtained, shared and used.
Types of Personal Information Collected The information can include (but not necessarily be limited to):
- Loan information
- Social Security
- Tax and Insurance
- Lien and legal action
- Banking information and credit history
- Legal documents
When a client is no longer actively working with Pivot retained information may still be shared with third parties. This is under rare circumstances.
Sharing of Information With Third Parties
Pivot may be required to share client information with a third party. An example would be a legal investigation, tax/insurance issues, audits, transfer to another brokerage, credit union service inquirer.
Pivot may share personal information during the process of an origination, respond to court orders and legal investigations. This information cannot be limited by the client.
Pivot does not share information for marketing purposes with third parties.
If a client believes that Pivot has provided inaccurate information to a credit bureau (or an entity with a right to the client’s information), the client should contact Pivot in writing with pertinent information at: Pivot Financial Partners, Inc. DBA Pivot Lending Group, 10397 W. Centennial Road Littleton, CO 80127. They may also call during normal business hours: 303-798-6100.
How Is Personal Information Protected
To protect client information from unauthorized access and use, Pivot uses security measures that comply with Federal Law. These measures include computer safeguards, secured files, a secured facility and enforced employee policies and procedures designed to guard sensitive, private information.