Effective Date:
(8/10/2024)
At
Rob Benson Team at Legacy Mutual Mortgage, your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. By using our services or interacting with our website, you consent to the practices described in this policy.
1. Information We Collect
We may collect personal information from you when you use our services, apply for a mortgage, or contact us. The types of information we collect include:
Personal Identifiable Information (PII):
Name, address, phone number, email address, Social Security number, date of birth, driver’s license number, and other identifying information.
Financial Information:
Income details, credit history, employment information, bank account details, and other financial data necessary for processing loan applications.
Other Information:
Information you provide voluntarily, such as through surveys or customer service interactions, or technical information like IP addresses, browser types, and cookies when you visit our website.
2. How We Use Your Information
We use the information collected for purposes such as:
Processing loan applications and managing your mortgage.
Verifying your identity and assessing your creditworthiness.
Communicating with you about your application, products, services, and updates.
Complying with legal requirements, regulations, and industry standards.
Improving our services and customer experience.
Marketing relevant products or services (with your consent, where required).
3. Sharing and Disclosing Information
We may share your personal information with:
Service Providers:
We may share your information with third-party service providers who assist us with services such as loan processing, underwriting, credit checks, payment processing, and IT support.
Affiliated Companies:
We may share information with affiliated companies for the purpose of offering additional products or services that may be of interest to you.
Legal and Regulatory Authorities:
We may disclose your information to comply with legal obligations, such as responding to subpoenas, court orders, or government inquiries.
We do not sell, rent, or lease your personal information to any third parties for marketing purposes without your explicit consent.
4. Security of Your Information
We are committed to protecting your personal information. We use industry-standard security measures such as encryption, secure servers, and access controls to safeguard your data. While we strive to protect your personal information, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee absolute security, but we take all reasonable precautions.
5. Your Rights
You have the right to:
Access and Review:
Request access to the personal information we hold about you.
Correction:
Request corrections to any inaccurate or incomplete personal information.
Deletion:
Request deletion of your personal information, subject to legal and contractual obligations.
Opt-Out:
Opt-out of receiving marketing communications from us by following the instructions provided in our communications or contacting us directly.
Withdraw Consent:
If you previously consented to the processing of your personal information, you may withdraw your consent at any time, though this will not affect the lawfulness of processing based on consent before its withdrawal.
6. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance your experience. Cookies are small files stored on your device that help us understand how visitors use our website. You can control or disable cookies through your browser settings; however, some features of our website may not function properly if cookies are disabled.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The “Effective Date” at the top of this policy indicates when it was last revised. We encourage you to review this policy periodically to stay informed about how we are protecting your information.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. Please review their privacy policies before providing any personal information.
9. Children’s Privacy
Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If we discover that a child under 18 has provided us with personal information, we will take steps to delete it promptly.
10. Contact Us
If you have any questions or concerns regarding this Privacy Policy or our data practices, please contact us at:
Rob Benson Team at Legacy Mutual Mortgage
Phone: 850-860-2090
Email: [email protected]
Address: 3 W Garden St, Ste 519