Copyright ©2016 Home Mortgage Experts, Inc. – All Rights Reserved.
Effective Date August 01, 2016
Home Mortgage Experts respects and protects the privacy of those who visit or use our website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted leading industry privacy guidelines. By using our website, you are consenting to the use of information and agreeing to these guidelines and the other Home Mortgage Experts policies described on our website.
Home Mortgage Experts does not share your personal information with outside companies for their promotional use without your consent.
Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don't knowingly attempt to solicit or receive any information from children.
We want you to be comfortable and confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website.
If you want to exercise one or more of the loan options presented, we will ask you to supply identifying and supporting information needed to process your application. We may supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan. Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our website, we may collect information that my include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to Home Mortgage Experts obtaining a credit report and for us to use that information as described in this policy.
Service Providers: In some cases, we will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
Change of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Home Mortgage Experts. You will have the opportunity to opt out of further secondary use of your information following any change of control.
Legal Disclosures: In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to Home Mortgage Experts is protected with technology that enables encryption of your data.
We use: Secure Socket Layer (SSL): The Home Mortgage Experts Web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
128-Bit Domestic Grade Strong Encryption: Home Mortgage Experts uses 128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially available for Internet products. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States and Canadian citizens can download free 128-bit browsers from Mozilla, Apple, or Microsoft.
Social Media and Third-Party Website Security and Privacy Policies: Home Mortgage Experts currently has presence on social media to connect with and market to the public, Home Mortgage Experts customers, and potential customers of Home Mortgage Experts. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at Home Mortgage Experts through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.
Home Mortgage Experts recommends that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly.