Privacy Policy

Rev. March 2015
FACTS WHAT DOES Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage DO WITH YOUR PERSONAL INFORMATION?
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:

  1. Social Security Number                                      and Income
  2. Account balances                                                and Payment history
  3. Credit 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 Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage 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 – Does not provide an Opt-Out
For our marketing purposes -
to offer our products and services to you
Yes No – Does not provide an Opt-Out
For joint marketing with other financial companies No We Do Not Share
For our affiliates' everyday business purposes -
information about your transactions and experiences
Yes No – Does not provide an Opt-Out
For our affiliates' everyday business purposes -
information about your credit worthiness
Yes Yes – It is required/provides an Opt-Out
For our affiliates to market to you Yes Yes – It is required/provides an Opt-Out
For nonaffiliates to market to you No We Do Not Share
To limit our sharing
  • Mail the form below
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 888-748-6041

Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Mark any/all you want to limit:




Name:
Address:
City, State, ZIP:
Account Number:
Mail To Impac Mortgage Corp.
19500 Jamboree Road
Irvine, CA 92612
Attention: Legal Department – Privacy Opt-Out

Who we are
Who is providing this notice? Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage
What we do
How does Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
  • We keep information under physical, electronic or procedural controls that comply with or exceed government standards.
  • We authorize our employees, agents and contractors to get information about you only when they need it to do their work for us.
  • We require companies working with us to protect information. They agree to use it only to provide the services we ask them to perform for us.
How does Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan or Give us your contact information
  • Provide employment information or Give us your employment history
  • Provide your mortgage information

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 - unless you tell us otherwise
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies such as Impac Funding Corporation, Impac Mortgage Holdings, Inc., and Integrated Real Estate Services.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage currently 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.

  • Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage does not currently jointly market.
Other important information

Special Notice to California Residents – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

We collect and store only information you provide us that we believe is necessary or appropriate to offer or provide you our services and products. We do not collect personal information about your online activities over time and across third party websites and online services when you use our website, except to the extent that we believe collecting the information concerning your visit to the Impac Mortgage Corp. Company website is necessary or appropriate to offer or provide you Impac’s services and products. We do not track your online activity beyond your activity on the Impac Mortgage Corp Company website. Because we do not send your searches to other websites, we effectively honor "do not track" signals or other mechanisms that provide you and other consumers with choice regarding the collection of your personal information, by limiting our information collection and storage as described above and in our Privacy Notice.

North Dakota & Vermont – In accordance with North Dakota and Vermont law, we will not share information we collect about North Dakota or Vermont customers with companies outside of Impac Mortgage Corp., Impac Mortgage Corp. dba Excel Mortgage & Impac Mortgage Corp. dba CashCall Mortgage, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by North Dakota law & Vermont law.

Nevada Residents – We are providing this notice pursuant to Nevada Statute Section 228.600(3) which allows marketing calls to our existing customers listed on the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call list by following the instructions in the "To limit our sharing" section above or writing to Impac Mortgage Corp., Attn: Legal Department – Privacy Opt Out, 19500 Jamboree Rd., Irvine, CA 92612.

You may also contact the Nevada Attorney General's office:
Bureau of Consumer Protection Office of the Nevada Attorney General
555 E. Washington Street, Suite 3900
Las Vegas, NV 89101
Phone: (702) 486-3132     Email: BCPINFO@ag.state.nv.us