At Flathead Valley Mortgage, LLC, we place your mortgage loan with a lender that offers terms and conditions that agree with your negotiated request for a mortgage loan. To achieve this goal, we must maintain, and use certain personal and financial information. We recognize and respect your privacy concerns and expectations about this information. We want you to know about our privacy policies and procedures.
Who is covered:
Collection and Use of Information:
We collect, retain, and utilize information about you to operate our business and to make products, services, and other opportunities available to you. We obtain information in a variety of ways (for example, directly from you in loan applications, from your transactions or experiences with us, or 3rd parties we do business with, such as wholesale mortgage lending companies, credit bureaus, and 3rd parties).
Categories of Information:
As part of providing you with products or services, we collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, assets, and credit references; and/or
• Information about your transactions with us, with 3rd parties we do business with, or others; and/or
• Information we receive from a consumer reporting agency. This information may include account information and information about your credit worthiness; and/or
• Information from public sources. This information may include, but is not limited to, real estate records, employment records, and telephone numbers.
Disclosure of Information:
We do not sell your name and address to third parties for their independent use. To complete transactions that you have initiated, we may provide information about you to 3rd parties we do business with for your specific transaction. Examples of these 3rd parties are: wholesale lenders, title / escrow companies, hazard insurance companies you request, appraisal companies (or appraisal management companies), and other companies involved in your transaction(s). Our 3rd party service providers are not authorized to utilize your information for their private use. Our 3rd party service providers will receive information about you, but they are legally required to safeguard this information, and may not use it for any other purpose.
We may disclose information that we have about you as permitted by law. Examples include: complying with requests from regulatory officials, protecting various entities from fraud, or others with your consent.
Occasionally, we may send you a birthday card, reminder card or other correspondence before and after your transaction to be of assistance with your transaction or to recommend products or services. If you receive an item such as this and wish to never receive it again, please contact us and we will comply with your request.
Confidentiality and Security:
We comply with the federal Safeguards requirements and have a corporate policy in place to protect your information. If you have questions, we will let you know how we do this, without jeopardizing our security procedures. Our employees must agree to the Safeguards policy.
Use the information on our Contact Us page to reach us with questions or clarifications about this policy, ask for Matt Rizzolo - Mortgage Broker.
1. HOW WE PROTECT YOUR PRIVACY.
We do not provide services or sell products to children. If you are a minor under the age of 18), please do not provide us or other website visitors with any personal information.
3. POLICY IS PART OF OUR TERMS AND CONDITIONS OF USE.
4. THE TYPE OF INFORMATION WE COLLECT FROM YOU.
Like most places on the Internet, simply by visiting our website you automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information about you.
We may also collect any data that you provide us by posting it at our website or by e-mail. You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website’s services and features.
Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.
5. WHAT WE DO WITH YOUR INFORMATION.
We use your information to operate our website’s business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website’s terms and conditions.
As a general rule, we will not give your data to third parties without your permission. However, there are some important exceptions to this rule that are described in the following paragraphs.
We may, in our sole discretion, provide information about you to law enforcement or other government officials for purposes of fraud investigations, alleged intellectual property infringement, or any other suspected illegal activity or matters that may expose us to legal liability.
Although we do not disclose individually identifiable information, we may disclose aggregate data about our website’s visitors to advertisers or other third parties for marketing and promotional purposes.
From time to time, we may use third party suppliers to provide services on our website. If a supplier wants to collect information about you, you will be notified. However, you will never be required to give information to a third party supplier. We restrict the way third party suppliers can use your information. They are not allowed to sell or give your information to others.
6. USER NAMES AND PASSWORDS.
Your access to parts of our website may be protected by a user name and a password. Do not give your password to anyone. If you enter a section of our website that requires a password, you should log out when you leave. As a safety precaution, you should also close out of your web browser completely and re-open it before viewing other parts of the Internet.
7. YOUR USE OF INFORMATION AND UNSOLICITED JUNK E-MAIL.
If you obtain personally identifiable information about another website user, you are not allowed to disclose this information to anyone else without the consent of the user and our consent too.
We hate junk e-mail (Spam). Information you obtain from our website about us or other site users cannot be used by you or others to send unsolicited commercial e-mail or to send unsolicited commercial communications via our website’s posting or other communication systems.
8. YOUR VOLUNTARY DISCLOSURE OF INFORMATION TO THIRD PARTIES WHO ARE NOT OUR SUPPLIERS.
You may choose to provide personal information to website visitors or other third parties who are not a part of Flathead Valley Mortgage, LLC. Please use caution when doing so. The privacy policies and customs of these third parties determine what is done with your information.
We may use autoresponders to communicate with you by e-mail. To protect your privacy, we use a verified opt-in system for such communications and you can always opt-out of such communications using the links contained in each autoresponder message. If you have difficulties opting out, you may contact us by sending a message via our Contact Us Form.