Privacy and Legal Policies

Privacy Policy

We respect the privacy of every customer. We strive to protect personal information and maintain customer trust. Click here to download a copy of our Privacy Policy.

Website Information Collection and Use Policy

NOTICE: Please read this Legal Disclaimer:
INFORMATION ON THIS WEB SITE IS PROVIDED "AS IS" WITHOUT EITHER EXPRESS OR IMPLIED WARRANTY and although it is believed accurate at time of posting, there may be some inaccurate, and/or out-of-date material. Vanderbilt Mortgage and Finance, Inc. may make improvements and/or changes in products and services at anytime without notice.

Vanderbilt Mortgage and Finance, Inc. makes no representations as to material found on Web Sites published by others which may be accessed through this site. Such information could be inaccurate, contain viruses, and present other problems for the user. Vanderbilt Mortgage and Finance, Inc. will not be responsible even if notice of such had been received.

Web site information collection and use practices

(effective August 2016)

We have prepared this policy to help you understand more about how we collect, use, and disclose information from web site visitors.  References to “web sites” includes mobile applications that we may publish. This policy does not cover information that we collect about you outside of our normal web site services.  This policy also does not cover information that you voluntarily make public.

What information do you collect about me?

The information that we collect about you generally falls into two categories, information that you provide and information that is automatically collected. 

Information that you provide.

You may provide information to us through our web sites that you visit.  This information may consist of, but is not limited to, personal contact information (name, address, phone number, email address, user ID and password), requests for services, banking and financial information, information submitted with a credit application, bid information, quote requests and claim submission.  We do not collect personal information about visitors to our web sites unless you choose to provide such information voluntarily.

Correction and updating of information that you provide

If you voluntarily provide personal information as part of an online loan application, you may review and update information stored as part of your online application until you submit the application. Once you have submitted your loan application, you may only correct or update your information by contacting your Home Loan Specialist at 1-866-701-0467.

Social media information

Our site may provide you the convenience of creating an account through a social media service.  If you create an account, access or log-in to our site through a social media service, the information we collect about you may include name, email, phone, profile picture, social media service, zip code, and any other information you have given us or permitted the social media service to share with us.  By creating an account, accessing or logging into our site via a social media service you are authorizing us to collect, store and use such gathered information and content in accordance with our web site information collection and use practices.

Automatically collected information

When you visit our web sites we, and third party vendors that we may use, may automatically collect information from you that consists of, but is not limited to, IP address, connection information such as browser type and version, plug-in types and versions, operating system, length of visit to certain sites, demographic information, which of our web sites you visit and which web sites not affiliated with us that you visit in addition to other analytic tracking information.

Our web sites are not designed for use by children under the age of 13.  Therefore, we do not knowingly attempt to solicit or receive any information from children.

How do you use this information? 

Information that you provide is used for a variety of purposes including but not limited to contacting you, either by us or by an affiliated or nonaffiliated third party, regarding services or information you have requested or to process payments or claims you have submitted.  We may also use or share your contact information, which information may be enhanced or merged with data collected from other sources to the extent permitted by law, to tell you about information you might find useful or interesting regarding our products and services as well as the products and services of our affiliates or nonaffiliated third parties. 

Information that is automatically collected is used to optimize web site performance, retrieve user preferences, and ensure data integrity as well as to provide third parties with usage statistics in an aggregated form not identifying individual users. Automatically collected information is also used by third party vendors to help us with online tracking and to provide you with targeted display advertisements, also known as behavioral advertising,  on other web sites that you visit.  We and third party vendors, including Google, use cookies to provide you with these advertisements. The cookies that we and third party vendors such as Google use to provide you with ads based on your past visits to our web sites include both first party cookies (such as the Google Analytics cookie) and third party cookies (such as the DoubleClick cookie) used together to report how the ad impressions and advertisements that you are provided and interact with are related to visits to our web sites.  We do not track URLs that you type into your computer browser, but we do use cookies to track which websites you visit on the Internet after you leave our web site.

With whom do you share this information?

For information regarding our privacy policy, and with whom we share information that you provide, please click here for our privacy policy. 

How do you protect the security of the information you store?

We store information on our servers to carry out the purposes described here.  While we use reasonable security measures, we cannot guarantee that the Internet or your mobile device will be completely secure.  Our intent is to maintain any data provided as confidential, however, information transmitted over the Internet cannot be guaranteed to remain confidential and we assume no responsibility for maintaining such information as confidential.  We encourage you to take steps to protect yourself online, including ensuring that any online account information you have remains secure.  For example, do not share your passwords with other people.

What are cookies?

When you visit our web sites, we and third party vendors that we may use may send one or more cookies to your computer or other device that uniquely identifies your browser. A cookie is a small file containing a string of characters that are stored as text files by your browser on your computer’s hard drive.  We use cookies to track web analytics information and session information including user trends and search preferences.  The purposes for tracking include but are not limited to improving the quality of our services, storing and retrieving user preferences and providing you with advertisements that may be of interest to you as described above in Automatically collected information.  Cookies collect anonymous information, both individually and in the aggregate, but do not collect personally identifiable information. 

What choices do I have regarding your use of information about me?

You can set your browser to notify you before you receive cookies so you have a chance to accept the cookies, and you can set your browser to turn off cookies by updating your privacy settings in your browser.   Please note that if you choose to reject or disable cookies, your access to certain areas of our web sites may be limited. You may opt out of the use of cookies used for remarketing purposes and behavioral advertising by visiting the Network Advertising Initiative opt out page at  http://www.networkadvertising.org/managing/opt_out.asp. If you prefer not to have your IP address and corresponding geographic information collected for web site analytic purposes, you may download and install the Google Analytic Opt-out Browser Add-on which is available at https://tools.google.com/dlpage/gaoptout/.  You may also change your ad settings at http://www.google.com/settings/ads to control certain interest based ads. 

If you provide your email address to opt in to receiving future commercial marketing emails from us and our affiliates, then we may send information to you about our products or services and the products and services of our affiliates.  To opt out from receiving commercial marketing email communications from us, please click on the opt-out (unsubscribe) link in the message you receive from us. 

Third party web site links

As a convenience to you, this web site may provide links to third party websites on the Internet which may be maintained by unaffiliated third parties.  Unless we expressly state otherwise, we do not control, sponsor, endorse or approve any content, information, services or products that may be available on the web site links that we provide.  We are not responsible for the accuracy of any information received through a linked third party web site, any services or products that may be obtained through third party web site links or viruses that may reside on linked third party websites.  

Your use of this web site  is your acknowledgement and agreement that we are not responsible or liable to you or any other person for any claim which may result from your use of any third party web site content, services or products.

Your California Privacy Rights 

If you are a California resident, under California Civil Code § 1798.83 you have the right to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.  To make such a request, please write us at:  CMH Services, Attention: Online Privacy Department, 5000 Clayton Rd., Maryville, TN 37804.     .

For all requests, please include your name, street address, city, state and zip code. We will not accepts requests via the telephone, email or by facsimile.  We are not responsible for notices that are not labeled properly, or do not have complete information.  

What happens when this information collection and use policy changes?

From time to time we may change our information collection and use policy.  The latest version of this policy will be posted here. 

Who can I contact if I have questions regarding this web site use policy?

Questions regarding this web site information collection and use policy should be directed to us by email to CMHOnlinePrivacy@ClaytonHomes.com or by writing to us at CMH Services, Attention: Online Privacy Department, 5000 Clayton Rd., Maryville, TN 37804.