Welcome to
Advantage Mortgage's web site. This section explains our policy regarding
any personal information you might supply to us when you visit this site.
Our goal is to protect your information on the Internet in the same way
that we protect it in all the other ways we interact with you: in branches
and on the phone.
You can visit this site and find out about our products and
services, read about our company, check on career opportunities, get a
news update, or other value-added services without giving us any
information about yourself.
If you do provide personal information, such as address, e-mail,
telephone, fax numbers and financial information, as well as demographic
and customer identification, it will be sent to us over a secure
connection using Secure Sockets Layer (SSL) technology.
We will maintain this information, as well as your business
activities and transactions, according to our usual strict security and
confidentiality standards.
In order to provide better service, we may use
"cookies". A cookie is a small piece of information which
a web site stores on your web browser on your computer and can later
retrieve. The cookie cannot be read by a web site other than the one
that set the cookie. We use cookies for a number of administrative
purposes, for example, to store your preferences for certain kinds of
information or to store a password so that you do not have to input it
every time you visit our site.
Most cookies last only through a single session, or visit.
None will contain information that will enable anyone to contact you by
telephone, e-mail, or postal mail. You can set up your web browser to
inform you when cookies are sent, or to prevent cookies from being set.
Privacy Policy
Our top priority is to provide you, our
customer, with outstanding products and services. To achieve this goal,
Sherwood Mortgage Group, Inc., must collect, maintain, use and share with
third parties, certain personal and financial information about you and
your activities with us. We recognize and respect your privacy concerns
and expectations about how we use and share this information. We want you
to know about our privacy policies and practices.
This Customer Privacy Statement applies to Advantage Mortgage Corporation
(referred to in this Statement as “AMC” or “we” or “us”).
Please read it carefully and keep it for your records. We will give you a
new Customer Privacy Statement whenever we change our privacy policies.
Collection and Use of Customer Information:
We collect, retain and utilize information about you to operate our
business and to make our products, services and other opportunities
available to you. Much of the information we collect, such as account
balances, credit information, and payment history, is non-public personal
information. We obtain this information (collectively referred to as
“Customer Information”) about you from a variety of sources,
including:
- Information we receive directly from you in applications and
other forms that you deliver to us and from our communications with
you. This may include information such as your address, telephone
number, employment, assets, income, debt, etc.
- Information we receive from other sources regarding your
employment, credit or other relationship with you or verifying
information you have given us. This may include information such as
your employment history, loan and/or credit card payment history, loan
or credit card balances, your property insurance coverage, appraisals
of your residence, tax returns, etc.
- Information we receive from credit bureaus regarding your
credit history and creditworthiness (such as the amount of your total
debt, your payment history, etc.).
- Information we obtain from public sources. This may include
information contained in federal, state and local records such as
recorded liens on your property, real estate taxes and assessments,
tax liens, etc.
Disclosure of Information:
We do not sell Customer Information (described above) to
non-affiliated third parties for marketing purposes.
We may disclose Customer Information to third parties including investors,
title companies, closing attorneys, appraisers and others in an effort to
provide you with a mortgage loan. Only such information as is deemed to be
absolutely necessary to complete the transaction will be provided by AMC
to third parties. In doing so, AMC will comply with all necessary federal
and state laws to insure your privacy.
Protection of Information:
We maintain appropriate procedures to protect the security of your
information. Our employees receive training and understand the importance
of confidentiality and customer privacy. We restrict access to your
personal and account information to those employees with a business reason
for accessing such information. We maintain physical, electronic and
procedural safeguards that comply with federal standards to guard your
Customer Information. Even if you decide to withdraw your loan
application, any Customer Information we have about you will remain
subject to the policy and practices described in this Customer Privacy
Statement.
While this policy does not apply to business accounts, we do
respect the privacy of our business/commercial customers and take
appropriate steps to protect their information.
The Customer Privacy Statement may be amended at any time by AMC, and
notice of any changes will be given to AMC customers as required by
applicable law.
Under the Gramm-Leach-Bailey Act of 2001 (15 USC 1, Sec. 6801), you have a
reasonable time in which to direct AMC that any non-public information not
be disclosed to any third party. To do so, you must notify AMC in writing
that you are exercising this option to opt out of the loan program.
Linking to other Sites:
Our policy does not govern Web sites of other parties to which we may
provide links. If you choose to link to Web sites not controlled by us,
we recommend that you review the privacy and security policies of these
companies.
Planning Tools and Calculators:
We provide a number of tools, planners and other interactive calculators
to help you manage your financial life. The information you provide when
using these tools is used only to complete these calculations. We do not
collect this information nor link it to any personally identifiable information.
Online Forms and Applications:
If you submit an application or form online, or request an online transaction,
we may keep the information you send in an electronic database. We use
security measures to protect against the loss, misuse, and the alteration
of data used in our systems.
Email:
Unless explicitly stated, email is not secure. We recommend that you do
not send any confidential information through email. If you send email
to us, we may retain the contents of your email message, your email address,
and our response.
Children's Information:
We do not knowingly collect or solicit information from children under
18 without parental consent.
