Privacy Policy

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all 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. This information can include:

· Social Security number and income

· Account balances, mortgage rates and payments

· Payment history and credit scores

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 Madison chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Madison 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	No
For our marketing purposes— to offer our products and services to you		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences		No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness		No	We don’t share
For our affiliates to market to you		No	We don’t share
For nonaffiliates to market to you		No	We don’t share
To limit our sharing	Send an email to customerservice@madisonmanagement.net, including your name and loan number. 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 877-563-4164 or send an email to customerservice@madisonmanagement.net.

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Who we are
Who is providing this notice?	Madison Management Services, LLC (“Madison”)
What we do
How does Madison protect my personal information?	To protect your personal information from unauthorized access and use, we employ security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also contractually require third parties doing business with us to comply with all privacy and security laws.
How does Madison collect my personal information?	We collect your personal information, for example, when you · apply for a loan or give us your income information · provide employment information or give us your contact information · pay us by check We also collect your personal information from others, such as credit bureaus, 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. See below for more on your rights under state law.
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 non-financial companies. · Madison has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. · Madison 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 or services to you. · Our joint marketing partners include mortgage lenders.
Other important information
Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call. State Laws – Our privacy and information sharing practices are in accordance with federal and state laws. California, Nevada and Vermont state laws limits the sharing personal information for their residents. We will not share your personal information about California, Nevada or Vermont residents with non-affiliated third parties (Box 3) except as permitted by law. In the future if other states adopt privacy laws more restrictive than those under current federal or state law, Madison will comply with those new laws. California: If you have a California address, we will treat your account as if you opted out from sharing information with non-affiliated companies on the Privacy Form (Box 3). To further restrict the sharing of personal information with our affiliates, you can mark Box 1 and Box 2 on the mail-in Privacy Form as well. Nevada: If you have a Nevada address, we will treat your account as if you opted out from sharing information with non-affiliated companies on the Privacy Form (Box 3). To further restrict the sharing of personal information with our affiliates, you can mark Box 1 and Box 2 on the mail-in Privacy Form as well. Texas: Madison Management Services, LLC is registered under the laws of the State of Texas and is subject to regulatory oversight by the Office of Consumer Credit Commission. Any consumer wishing to file a complaint against Madison Management Services, LLC should contact the Office of Consumer Credit Commissioner: 2601 North Lamar Blvd., Austin, TX 78705-4207; Telephone: 1-800-538-1579, Fax: 1-512-936-7610, email: consumer.complaints@occc.state.tx.us Vermont: If you are a resident of Vermont, Madison Management Services, LLC does not disclose information about your creditworthiness to our affiliates and also does not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law. In the event that this should change, Madison Management Services, LLC will not share your information without an affirmative opt-in. We will communicate the opt-in process with you at that time.