We at SECURE LENDING recognize the importance of protecting the privacy of our customers and prospective customers. We are dedicated to protecting the privacy of your information. This privacy statement covers the site www.secureyourloans.com. Because SECURE LENDING wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices.
This privacy statement discloses what information we gather, how we use it, and how we share it with others. It is our intention to give you an understanding about how we collect your information and the use we make of it in the course of our business.
General Terms of Use
You are currently viewing a page of the www.secureyourloans.com web site or a related web site (the “Site”) belonging to SECURE LENDING. This Site and any of the services provided by SECURE LENDING in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms of Use. Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use.
“Services” under these Terms of Use include financial services for consumers offered to you directly by SECURE LENDING, and additional services available to you from independent third party service providers accessed through navigation from the Site.
Copyrights/Trademarks/Restrictions on Use All of the pages and screens on the Site are owned and controlled by SECURE LENDING, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without SECURE LENDING's prior written consent. Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by SECURE LENDING or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph.
The Site may contain links to Web sites controlled or offered by third parties (non-affiliates of SECURE LENDING). SECURE LENDING hereby disclaims liability for any other company's Web site content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of SECURE LENDING. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.
Registration Information You may be invited to register at the Site to help us tailor the Services for your financial needs and to alert you to other products and services for you. In registering for the Services, you agree to provide accurate, true, current, and complete information about you and/or your business as requested by the registration screens. As a convenience to you, a profile for you may be created based on the registration information that you provide. This profile and any registration information you provide will be protected as described in our Privacy Policy below.
SUMMARY
We understand the need to safeguard your information and records from unauthorized use and disclosure. We do not sell or share your information with third party marketers. So, there is no need for you to ask us not to. In fact, there is no need for you to opt-out of any information sharing because, unlike most financial institutions, we provide you with an opt-in. This means we won't share your information unless you explicitly tell us to, even though the law allows financial institutions to share your information unless and until you tell them not to. Additionally, although the law allows financial institutions to share your information with other financial institutions under a "joint marketing agreement" without your consent, we don't.
Because we feel that current laws are inadequate in protecting your privacy, we've taken the liberty of providing you more privacy protections than the law requires. Now that you know some things we don't do, here's what we do:
WE SHARE YOUR PERSONAL INFORMATION:
With companies involved in the loan process such as appraisers or title companies.
With service providers that assist us with processes or functions as required by law.
WE SEND YOU COMMUNICATIONS:
During the loan process as necessary to complete the transaction.
To assist you with your debt management or recommend loan products.
WE PROTECT YOUR INFORMATION:
Using Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from SECURE LENDING.
By limiting access to your personal information to only those authorized parties that have a "need to know".
By requiring all employees to pass a training course on privacy and sign a privacy pledge.
Please review our full policy below for more details. If you have any questions pertaining to our privacy policy, please contact us.
PRIVACY POLICY
This Privacy Policy covers the information provided to us when you call or visit the SECURE LENDING website, http://www.secureyourloans.com, and obtain or seek to obtain SECURE LENDING's financial products or services. SECURE LENDING's products and services are intended for persons over 18 years of age.
Please be aware that other websites that you may access through our site may collect personally identifiable information about you.
HOW DOES SECURE LENDING COLLECT AND USE MY INFORMATION?
SECURE LENDING may collect and use your personal information to respond to your requests for our financial products and services or to provide you with information about products or services that may be of value to you. Certain personal information SECURE LENDING collects about you may be publicly available via government records, telephone books, and other widely available media (i.e. the Internet). However, we treat all information you provide to us as non-public.
Information you provide
SECURE LENDING collects the personal information you provide when you:
Apply for a mortgage
Contact SECURE LENDING with a question or suggestion
Mortgage application In order to process your mortgage application, we collect information including name, address, social security number, assets/liabilities, property location and value, and Real Estate agent/relocation agent. If you apply for a mortgage loan. When you apply online you are issued a SECURE LENDING loan number, you will select a password to use. You will need these to access your personalized loan information and/or check your loan status online.
Contacting SECURE LENDING When you contact SECURE LENDING with a question or suggestion we collect your name, email address, and telephone number. We only use personal information we collect to respond to and/or resolve your question or concern.
Optional information
When accessing the SECURE LENDING website, we may give you the option of submitting general information, such as whether you own a home, for purposes related to providing you with new financial products or services that may be of value to you. Certain information must be provided at the time you submit your request for a financial service or product. We allow you to submit your loan application without providing all requested information to speed up the loan process. However, you will be required to give us any missing information required or needed to process and fund your loan.
Information collected from other sources
SECURE LENDING may also collect information about you from the following sources:
Consumer reporting agency: We may receive information regarding your creditworthiness or credit history from a consumer reporting agency. We use this information to approve and process your loan application, and to offer SECURE LENDING products that may be of interest to you.
Outside sources: We may receive information regarding your employment or bank accounts from others who have relationships with you. SECURE LENDING uses this information to verify representations you make, such as your employment history, loan or credit card balances or your property insurance coverage.
Technical information
We use technology to:
Gather technical information from your Web browser (IP address, operating systems);
Set persistent cookies on your computer; and
Collect anonymous, non-personally identifiable information about your navigation throughout our website by using "action tags" or invisible "gifs" placed on our website by SECURE LENDING or our business partners.
We use this information for routine Website maintenance; to establish that you are a unique user; to assist you in the loan process; and/or for purposes of assessing the effectiveness of our Website, products and services.
If you choose to disable cookies, you will still be able to access most of the SECURE LENDING website.
Third Party Advertisements
SECURE LENDING does NOT use third party advertising companies to provide advertisements on the SECURE LENDING website.
DOES SECURE LENDING SHARE MY PERSONAL INFORMATION WITH THIRD PARTIES?
SECURE LENDING may share your personal information:
Examples: Appraisers, credit reporting agencies and title companies are a necessary part of the mortgage transaction. Therefore, we must provide some of your information to these companies in order to process and fund your loan. Additionally, because we do not service mortgage loans, we will sell these loans to investors/lenders and you will be notified which company will service your loan and to whom your payments should be sent. These companies are required by law to adhere to federal and state privacy regulations.
As required by law. Examples: The law requires that all mortgages and deeds of trust be recorded with the local county recorder's office.
The SECURE LENDING website may link you to other companies' websites that offer services that may be of interest to you. These companies do not obtain any specific information about you or your transaction on the SECURE LENDING website. You may also access the SECURE LENDING website from another company's website. We may collect Web traffic statistics from you and other consumers' Web browsers, and we may share this aggregated information with outside companies to assist them with assessing the effectiveness of their website content. No personal information is shared in this aggregated information.
CAN I ACCESS MY INFORMATION?
We provide you with the ability to view, and if necessary update and correct, information we maintain about you in our systems. Currently, access is limited to loan applications, SECURE LENDING loan status update, and select loan tools, including Rate Watch and Calculators.
Loan applications: You may view your mortgage loan application, by accessing your SECURE LENDING assigned loan number through the Apply Online tab. When you submit your application, we will send you a paper copy of your disclosures electronically. You may request a change or update to the information in your file by contacting your Loan Consultant at 480-951-5858.
HOW DOES SECURE LENDING SAFEGUARD MY PERSONAL INFORMATION?
SECURE LENDING uses a variety of security safeguards to protect your information from loss, misuse, alteration or destruction. For example, you will only be able to access information in your SECURE LENDING loan by submitting the loan number assigned or username and password you created during registration. We provide access to your personal information to SECURE LENDING employees and other authorized parties on a "need to know" basis. In addition, we require that all employees attend our privacy training program and sign a Privacy Pledge that indicates that they are aware of SECURE LENDING's strictect privacy policies regarding using and disclosing information.
SECURE LENDING also uses Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from SECURE LENDING during your session. We have also digital certificates for www.secureyourloans.com.
HOW LONG WILL MY INFORMATION BE STORED?
Federal and state agencies require that SECURE LENDING provide aggregated demographic and loan funding information about our loan applicants. We maintain electronic and hardcopy loan application information for funded/closed/withdrawn loans for a period of 7 years in accordance with federal and state laws.
WHO CAN I CONTACT FOR PRIVACY RELATED ISSUES?
Please contact us to report any known or suspected privacy or security breaches or to submit privacy-related questions or complaints. After receiving your inquiry, we will respond within two business days.
To accommodate changes on the website, changing technology, and legal developments, SECURE LENDING may change this Privacy Policy from time to time. We will prominently post the current version of the Privacy Policy at the SECURE LENDING website www.secureyourloans.com.
Disclaimer THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.
YOU ACKNOWLEDGE THAT NEITHER SECURE LENDING, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE PROVIDED THROUGH THE SERVICES AND THE SITE. SECURE LENDING DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.
EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT SECURE LENDING IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, SECURE LENDING WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.
General SECURE LENDING reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the Privacy Policy of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.
SECURE LENDING reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time. These Terms of Use constitute a contract between you and SECURE LENDING governed by the laws of the State of Arizona, with the exception of its conflicts of laws provisions.
Indemnification You agree to defend, indemnify and hold harmless SECURE LENDING, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.
