Because we value your patronage, we want to
address any privacy concerns you may have. To that end, we have set
forth our privacy policy for handling the information you share with
us online. We want your decision to do business with us to be an
informed one.
1. Collecting Information
When you visit our Website, we may collect information about you
that you voluntarily choose to share with us. This identification
information may include, but is not limited to, your name, your
physical address, your e‑mail address, your telephone and fax
numbers, details of your real estate and lending needs and
preferences, and other details of your life.
What may be less obvious to you is that, when you visit our Website,
we may collect data involving your usage through the use of
“cookies” (i.e. small text files placed on your computer by a
Website), Web server logs, and other Web tools. This technology
allows us to customize your online experience, as well as track your
Internet use. The tracking data we collect may include, but is not
limited to, the date and time you visit, the time you spend, the Web
pages you view, the other Websites you visit, your search queries,
and basic information about your computer, such as your Internet
Protocol (“IP”) address, your domain name, your browser type, and
the name of your Internet service provider. You may deactivate
cookies if you do not want your browsing to be tracked, but doing so
may hinder your online experience. NON OF THIS
DATA COLLECTED IS ASSOCIATED WITH YOUR PERSONAL ID OR DISTRIBUTED.
WE USE IT FOR WEBSITE IMPROVEMENTS ONLY.
When visiting our Website, you may be directed, through hyperlinks,
to other Websites that are beyond our control. Furthermore, when you
are visiting our Website, other companies, such as third party
advertisers and sponsors, may be gathering information about you.
This Privacy Policy does not cover the collection of information by
those other companies and Websites. Although we encourage third
parties to provide their own privacy policies, we are not
responsible for their activities, such as how they handle the
information they collect online.
2. Using Information Collected
We primarily use the identification information you voluntarily
share with us to customize your online experience and to do what you
have asked of us. We also use your identification information to
tell you about our products and services, but you may instruct us
not to send communications to you by following the procedure
indicated below under “Contacting Us.” On occasion, we use your
identification information to validate your identity. As for usage
tracking data, we primarily use that information to operate and
improve our Website, and to further our marketing efforts.
As a general rule, we do not share your information with
unaffiliated third parties. We may, however, share your information
with our own personnel and our service providers to the extent
necessary to fulfill your requests. We may also share your
information with our affiliates, but we will not share it with
unaffiliated third parties for direct marketing purposes. We reserve
the right to disclose your information under limited circumstances,
such as to cooperate with law enforcement or judicial authorities as
required by law or legal process, to protect our own legal rights,
or to protect the public good.
Whenever you are online, you run the risk that the information you
give out will fall into the wrong hands. Although we implement and
maintain reasonable security procedures and practices to safeguard
your privacy, we cannot guarantee the security of any information
you provide to us. We accept no responsibility or liability for the
activities of third parties.
3. Updating Information
If you would like to review the information about you that we have
collected through our Website, or to change that information, you
can make that request by following the procedure indicated below
under “Contacting Us.” We may require that you verify your identity
before we process your request.
4. Updating Our Privacy Policy
We may, from time to time, change our Privacy Policy. We will notify
you of any changes by posting our updated Privacy Policy on our
Website and inserting a new “Effective Date.”
5. Contacting Us
If you would like to send us a request as indicated above, or if you
have any other questions or concerns regarding our Privacy Policy,
you may contact us by e‑mail at
(SEE CONTACT
SECTION) or call us at
800-695-5259.
6. Effective Date: This Privacy Policy is effective as of Dec
8, 2004.
