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Confidentiality and Security of Nonpublic Personal Information.  We restrict access to nonpublic personal information about you to those employees who need to know that information or provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect.  We collect nonpublic personal information about you from the following sources:

* Information we receive from you on applications or other forms

* Information about your transactions with us, or affiliates or others

* Information we receive from a consumer reporting agency

Nonpublic Personal Infomation We Disclose.  We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

Notify Us of Inaccurate Information We report to Consumer Reporting Agencies.  Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency.  Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:  HomeBanc, N.A., Lake Mary Office, 3701 W. Lake Mary Blvd, Lake Mary, Florida  32746 

We use cookies in places where our customers need to register, such as Internet Banking, or where our customers are able to customize the information they see. Recording a cookie at such points makes the online experience easier and more personalized. We also use cookies to identify what sections of our site our customers visit most so we can continue to provide more information on the topics and subjects our customers have demonstrated an interest in. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who our customers are or an e-mail address. By configuring preferences or options in the browser, our customers can determine if and how a cookie will be accepted.

We restrict access to information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards to protect this information.

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

We do not disclose information about former customers, except as permitted by law.