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Privacy Policy
Privacy Policy
At
Mortgage & Refinance HQ, maintaining your trust and
confidence is a high priority. That's why we welcome this
opportunity to describe our privacy policy and the steps we
take to protect your personal information. In this notice,
you will find details about these policies, as well as an
opportunity to choose how your personal information will be
shared.
Security
Security of your personal information is very
important to Mortgage & Refinance HQ. Mortgage & Refinance
HQ employs extensive security
measures to thoroughly protect your transactions.
Except as set forth herein, we restrict access to your
non-public personal information to our employees who have a
need to know that information in order to provide products
and services to you. We also maintain, and require third
parties with which we share your non-public personal
information (as provided herein) to maintain physical and
procedural safeguards to guard your non-public personal
information.
Information Sources
In order to provide mortgage loans and other financial
products to you, we collect information from a variety of
sources, such as:
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Information you provide to us on applications or other
forms, such as name, address, social security number,
income, assets, etc.
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Information we receive from an outside company, such as a
credit bureau or employment verification vendors.
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Information about your transactions or experience with us,
such as property value appraisals, your payment history with
us, etc.
Information We Collect While You Browse Our Website
We
DO NOT access information about your identity while you
browse our website. You remain anonymous to us. While you
view our site, our system tracks the pages you visit, the
pages you download, the site you came from, and notes your
IP address (but not your identity). We may also place a
"cookie" on your computer that tracks your use of our
website. A cookie is a piece of data that is stored on your
hard drive. It takes up very little room on your system and
helps us estimate the number of persons that use our site
and determine the areas of our site that are the most
popular. The cookie does not provide us with specific,
personally-identifying information about you, such as your
name, address, tax identification number, social security
number, email address, or phone number. You remain
anonymous while you are browsing our website. Once you
complete an application for a loan, we use that
information to determine if you are eligible
for the loan you request. We may retain all of the
information you provide to us in that application process,
including personally-identifying information such as your
name, income, assets, liabilities, age, social security
number, and employment.
To Whom We Disclose
Personal Information
We may disclose the information we collect, as stated above,
to:
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Financial service providers, such as banks and investment
companies, 3rd party loan servicers, or consumer credit
companies.
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Voluntary organizations and non-financial companies, such as
appraisers, escrow agents or title companies.
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Preferred providers under written joint marketing
arrangements ("Preferred Providers") that are entered into
to provide you with other products or services, provided
however, in such cases, these joint marketing agreements
will require these Preferred Providers to keep your personal
information confidential and will prohibit the use of your
personal information for any other purpose other than for
the purpose disclosed when the product or service is
offered. Categories of Preferred Providers with which we may
share your personal information include: (i) financial
service companies such as insurance companies, insurance
agents or brokers, registered broker-dealers, mutual fund
companies, banks, and credit card companies, and (ii)
non-financial companies such as retailers, direct marketers
and membership clubs.
-
Government agencies or consumer reporting agencies for
specific and limited purposes necessary to:
How We Disclose Your Information
Your privacy is important to us. We do not provide
personally-identifying information about you to third
parties other than our lending partners unless we have your
consent or the disclosure is permitted or required by law.
The circumstances under which we disclose information
include the following:
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Service Providers and Joint Marketers. We may disclose all
of the information we collect to companies that perform
support and other services for us such as data processors,
data encrypters, technical systems consultants or
programmers or to companies that perform marketing
services on our behalf or to other Preferred Provider
financial institutions with whom we have or may have
joint marketing arrangements unless you have notified us
not to share such information by calling us at the phone number listed below
under Contact Information.
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Disclosures to Affiliates. As permitted by law, we may
release information we obtain about you from you or third
parties to companies with which we are related by common
ownership or affiliated by corporate control ("Affiliates"),
unless you notify us before the information is initially
communicated that you do not want us to share such
information. You can notify us not to share such information
by calling us at the phone number listed below under
Contact Information.
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Other Disclosures to Lending Partners.
Our lending partners may have special offers, products,
or services that may be of particular interest to you.
If you would like to learn of such offers, financial
products, or services, authorize us to share any
non-public personal information we have about you with
our lending partners for the purposes stated above. If
you do not want us to share such information with our
lending partners for the purposes other than assisting
you in obtaining the loan you requested, please call the phone number listed below
under Contact Information.
When Your Relationship With Us Ends
If our relationship with you ends, such as by your paying
off in full any loan we make to you, we will continue to
treat and protect your personally-identifiable information
in accordance with this Privacy Policy. That means that we
may continue to make the disclosures to our lending partners
and Affiliates described above or permitted by law. However,
if you notify us before or after your relationship with us
ends of your election not to have us share your
personally-identifiable information with others, we will
honor that request.
How You Can View and Change Your Personal Information
You can review the personally-identifiable information we
maintain on you and make any needed corrections to it by
contacting us in writing at the address below.
Changes to Our Privacy Policy and Notices
We reserve the right to amend (add to, delete from, or
change) the terms of this Privacy Policy from time to time.
Our Privacy Policy, as in effect from time to time, is
continually posted on our Web site. By electing to become
one of our customers or by receiving our products and
related services, you agree to receive copies of our Privacy
Policy and any amendments to it from our Web site, unless
you notify us otherwise in writing at the address below.
Questions Regarding Our Privacy Policy
If you have any questions regarding our Privacy Policy or
about submitting a Loan Application, please contact us using
the information below.
Contact Information
Mortgage & Refinance HQ
1-800-658-5362
Effective date 6/1/2006
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