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We
understand there is certain information you do not want
to share with everyone. And we are just as concerned
about safeguarding the information you provide to us.
That is why MortgageMac LLC. and our affiliated
companies have adopted these privacy principles and
guidelines. We value the trust you have placed in us and
are committed to earning and maintaining your
confidence.
This privacy policy describes the kinds of information
we collect from our customers, how we use that
information, and the limited circumstances under which
we will share it with third parties.
Information Collection
MortgageMac LLC. will only
collect information about you that we reasonably believe
will be necessary or useful in processing or
administering products or services that you have
requested from us. We will also collect information in
order to notify you about products; services and other
opportunities we think will be of interest to you. This
information may be collected from a variety of sources,
such as the following: (1) information provided by you ,
(2) information obtained from non-affiliated third
parties , and (3) information about your transactions
with us, our affiliates or others.
Maintenance of Accurate Information
We work hard to ensure your
information is as accurate, current and complete as
possible. If you ever find that our records are
inaccurate or not current, please contact us at the
telephone number on your account statement. If the
record is within our control, we will correct any
inaccurate or incomplete information. Security
Procedures to Protect Customer Information.
Access to our systems containing nonpublic personal
information is only to those employees who need it for
the purpose of providing products or services to our
customers. In addition, we maintain physical,
electronic, and procedural safeguards that are designed
to comply with federal guidelines concerning the
security of nonpublic personal information.
Information Sharing Within Our Affiliated Family of
Companies
There are times where we
will need to share a portion of your MortgageMac LLC.
account information with certain affiliated companies
that either currently exist or that we may create in the
future. However, we will only do so in order to provide
you with superior service, inform you of product and
service opportunities that may be of interest to you,
improve and develop our products and services, or
perform other business functions. Affiliated companies
may be financial services providers, including consumer
and mortgage banking companies, life and casualty
insurance companies, insurance agencies, securities
brokerage firms, trust companies, and companies that
provide settlement services, such as title agencies,
escrow companies and appraisal firms.
An "affiliated company" or "affiliate" is a company that
we own or control, or that is owned or controlled by our
parent holding company. The information we may provide
to these affiliates includes (i) identifying
information, such as your name, address and social
security number, and (ii) information about the
financial product or service you obtain from us, such as
your deposit balance, investment history, loan balance
and/or payment history, as applicable. Under the federal
Fair Credit Reporting Act, we are permitted to share
this information within our affiliated family of
companies.
Information Sharing With Unaffiliated Third Parties
Unlike some other companies,
MortgageMac LLC. does not sell customer lists or other
information about our customers to unaffiliated parties.
Moreover, we do not in any manner share customer
information with unaffiliated third parties except as
described below or as otherwise expressly permitted by
law. In order to efficiently and cost-effectively market
our own products, we contract with companies providing
marketing and solicitation services, such as printers,
marketing fulfillment firms and other companies. As part
of these activities, we may provide limited information
about our customers to such parties. In addition, we may
occasionally engage in joint marketing with unaffiliated
institutions for various products and services that
MortgageMac LLC. does not offer on its own, but we think
will be of interest to our customers. In such cases,
MortgageMac LLC. will always be identified in the joint
marketing materials or solicitation. We may disclose all
of the information we collect (described in "Information
Collection" above) to the companies that perform
marketing services on our behalf or to other financial
institutions that have joint marketing agreements with
us. Our agreements with these companies are subject to
confidentiality provisions and restrictions that
prohibit using the information beyond the performance of
the specified services or in connection with the jointly
marketed product or service.
Our Former Customers
Rest assured that even if
you are no longer a customer of MortgageMac LLC., we
will continue to treat the information we have with the
same level of confidentiality. We appreciate your
business and want you to understand our commitment to
maintaining the privacy of your personal information, as
expressed in this Privacy Policy. This Privacy Policy
applies to individual consumers. We reserve the right to
amend the policy at any time.
Regarding Cookies
To provide better service and a more effective Web site,
we use "cookies" as part of our interaction with your
browsers. A "cookie" is a small text file placed on your
hard drive by our Web Page Server. Our cookies cannot
retrieve any other data from your hard drive, pass on
computer viruses, or capture your e-mail address.
Cookies are commonly used on Web sites and do not harm
your system.
We may use cookies to record information about
We use cookies in places
where you need to register, such as Internet banking, or
where you are able to customize the information you see.
Recording a cookie at such points makes your online
experience easier and more personalized.
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Visitors' preferences |
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User sessions on our web
sites |
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What pages users access
or visit on our web sites |
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Past activity at a site
in order to provide better service when visitors
return to our site, or to accomplish the following
purposes: |
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Alert visitors to new
areas that we think might be of interest to them
when they return to our site |
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Ensure that visitors are
not repeatedly sent the same banner ads |
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Customize Web page
content based on visitors' browser type or other
information that the visitor sends |
Our cookies do not collect personally identifiable
information and we do not combine information collected
through cookies with other personal information to
determine who you are or your e-mail address. By
configuring your preferences or options in your browser,
you determine if and how a cookie will be accepted.
However, if you configure your web browser so that
"cookies" are turned off, our website will not be able
to process your transaction. If this happens, please
turn your cookies back on and log onto our site again.
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