Welcome to Residential Home Funding’s web site. This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you: in branches and on the phone.
You can visit this site and find out about our products and services, read about our company, check on career opportunities, get a news update, or other value-added services without giving us any information about yourself.
We will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.
Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you by telephone, e-mail, or postal mail. You can set up your web browser to inform you when cookies are sent, or to prevent cookies from being set.
When you seek to obtain financial products and services from us, we may collect nonpublic personal information about you from the following sources:
Applications and other forms, or through other communication including information provided by mail, telephone, in person or electronically. Such information may include your name, address, employment, income, and other identifying information. Your transactions with us, members of our corporate family, or others. Such information may include, for example, your account balance and payment history. Consumer reporting agencies or other companies, which may include, for example, information regarding your creditworthiness or credit history. Other sources which may include, for example, verification of your employment history, credit balances, property insurance coverage or other representations made by you.
We may share all of the information described above with our service providers, whose services may include, for example, mailing account statements. Service providers may include, for example, insurance companies, payment processing companies, mail service companies, check printing companies, and data processing companies. We may also share the information described above with companies that perform marketing services on our behalf. Such companies have agreed to keep confidential the information that we provide to them and to use the information only to carry out the functions we have asked them to perform. We do not share your nonpublic personal information with any company outside our corporate family for the purpose of marketing that company’s products or services. Finally, we may disclose all of the information above as permitted by law.
We may also share information regarding your transaction and account experience with us, including your name and address and your payment history with us, among our affiliated financial services companies, such as our mortgage banking companies and insurance agency. By sharing that information, we can better serve your financial needs and notify you of financial products and services that might interest you.
We restrict access to nonpublic personal information about you to only those employees whom we have determined need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with applicable federal standards to protect nonpublic personal information.
The information sharing practices described above are designed in accordance with federal law. California law places additional restrictions on sharing information about California residents, so long as they remain California residents. If you are a California resident, you have the right to control whether we share some of your personal and financial information with our affiliated companies and other companies we do business with to provide financial products and services. Please refer to the California notice of Important Privacy Choices for Consumers.
Business Continuity refers to the activities required to keep our organization running during a period of displacement or interruption of normal operation.
Business Continuity Management & Disaster Recovery Programs
RealFi views recovery of its business operations and supporting technology, Business Continuity Management (“BCM”) and technology Disaster Recovery (”DR”) respectively, as a critical and fundamental part of its ability to fulfill its fiduciary responsibilities to clients. As such, significant resources and effort are dedicated to these programs.
RealFi maintains business continuity and crisis response plans to facilitate the continuity of business in the event of a business disruption. RealFi’s executive management is responsible for oversight and governance of the firm’s BCM program, supported by the Business Continuity Management group, which manages the program. In order to maintain a resilient technology environment, the DR program has implemented strategies for near zero downtime and near zero data loss for all applications that support critical business processes as defined by the BCM Program.
RealFi’s BCM/DR programs have several key elements, including:
There are four main areas of focus that comprise the BCM/DR planning that RealFi performs:
Training and Awareness
RealFi uses several methods to keep employees aware of the critical role they play in preparing for and responding to potential business disruptions. Primary methods used include:
Exercises & Testing
RealFi exercises it BCPs to ensure the procedures for recovering business operations are appropriate, and that key personnel are familiar with documented procedures. Similarly, facilities-based exercises are conducted with BCM team participation. Broadly, the firm utilizes the following recovery strategies in its BCPs:
BCM exercise results are documented and reviewed with all involved participants following each exercise. Recommendations for improvements to the recovery process are identified and any corrective actions clearly defined and assigned to the appropriate personnel.
One of the key components of the BCM planning process is our supplier management framework, which includes periodic reviews of the business continuity programs for key service providers. Risk assessments are used to determine the criticality of each service provider. For the most critical service providers, RealFi conducts targeted reviews and evaluations of BCM plans and, where appropriate, on-site visits.