VS Legal Center Is Dedicated
To Your Privacy & Security

Your Privacy & Security is our Top Priority!  We are committed to respecting and protecting your privacy and security and we do so in a professional and confidential manner.

Collecting & Managing your personal
and financial information in a secure setting

Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code.

Customer Information is categorized in the following six ways:

A. Identification Information — information that identifies you such as name, address, telephone number and Social Security number.

B. Application Information — information you provide to us on applications and through other means that will help us determine if you are eligible for products you request. Examples include assets, income and debt.

C. Transaction and Experience Information — information about transactions and account experience, as well as information about our communications with you. Examples include account balances, payment history, account usage and your inquiries and our responses.

D. Consumer Report Information — information from a consumer report. Examples include credit score and credit history.

E. Information from Outside Sources — information from outside sources regarding employment, credit and other relationships that will help us determine if you are eligible for products you request. Examples include employment history, loan balances, credit card balances, property insurance coverage and other verifications.

F. Other General Information — information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining eligibility for a product or service.

As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.

Disclosing information in compliance with law enforcement & criminal investigations:

We also may disclose any of the categories of Customer Information to credit bureaus and similar organizations and when required or permitted by law. For example, Customer Information may be disclosed in connection with fraud prevention or investigation, risk management and security, and recording mortgages in public records.

Guarding your own information

VS Legal Center recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

• Review your monthly account statements thoroughly and report any suspicious activity to us immediately.
• Do not respond to e-mails requesting account numbers, passwords or PINs. Call the institution to verify the legitimacy of the e-mail.
• Memorize PINs and refrain from writing PINs, Social Security numbers, debit or credit card numbers where they could be found.
• Shred documents containing any sensitive information before discarding, e.g. bank statements.
• Confirm that any areas on the Internet you go which require you to purchase or enter personal information are secure by checking that the URL (Web address) begins with "https”.
• Review your credit report at least once every year to make sure all information is up to date.
• If you think you have been a victim of identity theft or fraud, you may contact the Federal Trade Commission (FTC) to report any incidents and to receive additional guidance on steps you can take to protect yourself. Contact the FTC at www.ftc.gov/idtheft or 1.877.438.4338.

You may have other privacy protections under state laws.  To the extent these state laws apply, we will comply with them with regard to our information practices.

FEDERAL FAIR HOUSING ACT

VS Legal Center is a professional service company and we do business in compliance with all California and Arizona State and Federal laws including the Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

AND TO

Office of the Comptroller of the Currency
Customer Assistance Unit
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Office of the Comptroller of the Currency
Customer Assistance Unit
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050