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Privacy
You take your privacy seriously and so does The Mortgage Design. We are a company committed to protecting the personal information and privacy of our customers. This statement is one way of sustaining your trust in our company, our products and our services.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you are a The Mortgage Design customer.
Information We Collect About You during Your Online Visit
Website Visitors
When you browse our site as a visitor, or submit a form, we may collect and store information about your online visit. This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours. No information is collected that can identify any individual user. We do not track or collect personally identifiable information of Internet users, nor do we associate any data gathered from our website with any personally identifying information.
We use this data on an aggregate basis to measure site activity.
Security Statement
About our Website
Cookies
The Mortgage Design uses a cookie (Google) that collects anonymous traffic data. This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours. No information is collected that can identify any individual user. We do not track or collect personally identifiable information of Internet users, nor do we associate any data gathered from our website with any personally identifying information.
Encryption
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers.
Firewalls
Our Web site may be protected with firewall technology, which can help prevent your account information and our Web site from being improperly accessed.
Information Collection and Sharing Practices for Existing Customers
Existing Customers
If you are a The Mortgage Design customer details about the information we collect and how it may be disclosed is contained in our Privacy Notice, which includes additional information regarding your privacy choices. Briefly, we collect information about you for example, when you:
Apply for a loan;
Make your monthly payment.
We also collect personal information from you or others, such as credit bureaus, affiliates, employers, or others.
Information We Share About Our Existing Customers
The information contained in this section applies to The Mortgage Design customers.
We may collect and subsequently share personal information about you to:
- run our everyday business;
- respond quickly to customer needs;
- help us communicate with you
- evaluate eligibility for additional products and services that may be of interest to you.
What We Share
We may share personal information that includes, but is not limited to your:
- name, address, and other account application information;
- account balances, transactions, and payment history
- creditworthiness including credit history and credit score.
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators and loan investors. These types of third parties are called non-affiliated third parties.
We may also share some of this information with companies performing services on our behalf such as the vendor who prepares and mails our monthly statements. These types of vendors are called service providers.
Benefits of sharing
We need to collect and share information about our customers to help us communicate with you.
Customer Information Sharing Choices/Opt Out
Federal Law
Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.
Specifically, Federal law allows you to opt out/restrict us from sharing information as follows:
- About your credit worthiness with our affiliates; and
- To non-affiliates to offer you their products and services
- creditworthiness including credit history and credit score.
State Laws
State laws may give you additional rights regarding our information sharing limitations.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a customer of The Mortgage Design you received our Privacy Notice when you became our customer and you will receive our updated annual Privacy Notice each year you continue to be our customer.
You can limit us from sharing your information as permitted by law and as described in our Privacy Policy at any time by advising us of your Opt Out choices and how you do not want your information shared by calling 1-877-450-4622. You may notify us of your choices at any time
If your past choices have not changed, you only need to tell us one time, as long as you have your account with us.
Customer Data Protection
We are a company committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law including assessing risk and using reasonable controls to protect customer information.
Our company culture is to treat customer information the way we would want our own information treated. We train employees on handling and securing customer data to maintain a culture of protection and security. It is the responsibility of every associate, affiliate, and nonaffiliate to care for personal information about our customers.
Questions about this Online Privacy Statement may be sent via email to: info@themortgagedesign.com
Policy Effective Date
This Online Privacy Statement is effective September 15, 2008 and remains in effect until amended. The Mortgage Design reserves the right to amend this Privacy Statement or alter its privacy principles at its sole discretion without notice to you. We will post any alterations to this Privacy Statement on our web site in a timely manner so please check periodically.
Identity Theft / Fraudulent Activities
Identity Theft/Fraud
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover has occurred when an individual acquires another person's existing credit account information and purchases products and services at the victim's expense. Application Fraud has occurred when an individual uses another's Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim's name.]
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
- Experian (1-888-397-3742)
- Equifax (1-800-525-6285)
- TransUnion (1-800-680-7289)
Carefully review your credit reports for: accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.
If you decide not to place a fraud alert on your credit file, you can still obtain free copies of your credit report by going to the following Annual Credit Report website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.
To learn more about identity theft, visit the Federal Trade Commission's web site to receive further information and insights about how to protect your identity from identity thieves.
Identity Theft Hotline: 877-438-4338
Web: www.consumer.gov/idtheft
Mail: Identity Theft Clearinghouse,
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580
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