Privacy is of great concern to most users of the Internet, and is a critical part of an enjoyable and satisfactory user experience. imortgage is acutely aware and sensitive to the privacy concerns of visitors to its web site and consumers seeking its loan products. Any questions regarding this Privacy Statement can be directed to our Compliance Department using the contact information listed below.
Third Party Web Sites
imortgage's web site contains links to other web sites. imortgage makes no representations with respect to the privacy practices, privacy policies or otherwise regarding such other web sites.
imortgage's online services and website are not intended for children under the age of 13. imortgage does not intentionally collect or request information from children under the age of 13 without parental consent.
Gathering of Information
imortgage does not collect any personal information from visitors to its web site without explicitly requesting the information. If a visitor is just browsing the imortgage web site, imortgage does not gather personal information about the visitor, except the consumer’s location. Location information is collected with prior consent from the visitor and it is used to guide the visitor to the imortgage branch nearest to the visitor’s location.
imortgage uses forms throughout its web site to provide visitors with the opportunity to submit comments, suggestions, and inquires. In order to do so, imortgage may request additional personal information from the visitor that is relevant or necessary to satisfy the request.
Visitors may request to be prequalified for a loan on the imortgage web site. During the prequalification process, imortgage requests certain personal information, such as name, address, social security number, telephone numbers, e-mail address, and information regarding employment, income, expenses and assets.
Use of Information
imortgage uses information, provided by a visitor or a third party regarding the visitor, for the primary purpose of providing a loan. Applicants should be aware that when any real estate transaction is closed and the deed of trust is recorded, it becomes open to public inspection.
A credit report is required to complete a request for prequalification; therefore the visitor is given the opportunity to provide his or her consent for imortgage to obtain his or her credit report. imortgage uses a third party credit reporting company to obtain the credit reports of all persons named in the request. Credit report information will be safeguarded and is not accessible via the imortgage web site.
PROCESSING, FUNDING, AND SERVICING
Information gathered on the imortgage web site may be used to process, fund, and service a loan application submitted by a visitor. This process may require imortgage to share the information with third parties. The information will be safeguarded and is not accessible via the imortgage web site.
SHARING OF INFORMATION
imortgage may retain visitor information, including personal information, communication, and correspondences in order to improve our services or web site. Additionally, federal and state statutes and regulations require imortgage to retain certain information for a prescribed period of time. imortgage secures the information it maintains through physical, electronic, and procedural safeguards that comply with federal and state standards to store and secure personal information from unauthorized access, alteration, and destruction.
imortgage has active and in-depth security measures to protect visitors from the loss, alteration and mishandling of submitted information. Only authorized staff members and approved persons will have access to restricted information.
To ensure online mortgage information remains private and inaccessible to unauthorized parties, imortgage uses Secure Sockets Layer (SSL) server technology, which allows for the confirmation of the identity, certificate and public ID of imortgage servers.
Additionally, all browser information is encrypted as a numeric code. Only the imortgage servers and visitor browsers can decode the information. The SSL also detects whether the information has been altered to ensure the best online mortgage security.
Current versions of popular browsers that are SSL compatible include, but are not limited to, Internet Explorer, Chrome, Safari, Firefox and AOL. If the browser displays a latched lock, key or other security symbol, the secured connection is activated.
If you have entered information on the imortgage web site that you would like to be deleted or updated, please contact the imortgage Compliance Department using the Contact information listed below. However, please be advised that we may not be able to accommodate all requests because state and federal statutes and regulations require us to retain certain information for a prescribed period of time.
Changes To This Policy
This Policy is current as of June 20, 2014. This policy may change from time to time. The most current version of this Policy is the one posted here. Please visit this web site to view the most current version in the future.
Current As Of
This Policy is current as of June 20, 2014.