Privacy Policy

Updated June 3, 2017

At Onyx Direct we are committed to protecting the privacy and security of our customers’ information. This privacy notice applies to the information collected by this website.

Information Collection, Use, and Sharing

ONYX Direct are the sole owners of the information collected on this website. Blend Labs, which does business with ONYX Direct, is legally contracted with ONYX Direct to provide third party services on behalf of ONYX Direct.

We will not rent or sell your personal information to anyone. Your information will be used to process loan applications, and not shared with any third parties outside of our organization other than necessary to process your loan.

Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

· See what data we have about you, if any.

· Change/correct any data we have about you.

· Have us delete any data we have about you.

· Express any concern you have about our use of your data.

Security

At ONYX Direct we are committed to taking every precaution to protect your personal data. When you submit your information via this website, your information is protected both online and offline.

Information submitted online is encrypted through SSL (Secure Socket Layer) and 256-bit encryption. Sensitive information is further protected using AES 128, & RSA 2048 security standards to provide security over your user credentials, account information, and transactions performed through this website, both in transit and at-rest.

Data retention and destruction processes are adhered to. This includes the disabling of accounts after 60 days of inactivity, and purging of account information after 90 days of inactivity.

Our third-party processor, Blend Labs, undergoes regular third-party audits including ISO 27001 certification, and is in the process of obtaining SOC 1 Type 2 certification. Additional information about security controls implemented and maintained by our third-party processer may be provided upon request to ONYX Direct. ONYX Direct performs due diligence on a regular and ongoing basis to ensure that security certifications for Blend Labs is current, and that security controls continue to meet ONYX Direct’s requirements.

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ASSUMPTIONS
Disclosed rate assumes a $300,000 rate and term refinance loan on an owner-occupied single family residence, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher rates may apply. 5/1 ARM is fixed for the initial 5 years. The fully indexed rate is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Rate is variable and subject to change after 5 years. Subject to underwriting approval. Not all applicants will qualify.
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