At Avenir Mortgage Planners, we strongly believe in protecting the confidentiality and security of the information we collect about you as a customer, potential customer or former customer. We have adopted the following policies and procedures to safeguard the personal information about you in our possession.
Our Privacy Pledge
- We do not sell or rent customer information.
- We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.
- Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
Safeguarding Personal Information
We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.
- We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, plus virus and use detection software.
- We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
- Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
- Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.
Information We Collect About You
We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider all information about you in our possession to be personal information, even if you cease to be a customer. The personal information we collect about you may include among other things:
- Identifying information, such as your name, age, address, phone number and social security number.
- Employment information
- Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business.
Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan professionals, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.
Sharing Information With Companies That Provide Services For Us
We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
Subscription to Email Newsletter
We offer free email newsletters to customers, potential customers or former customers. To sign up, you must provide your e-mail address. Other information is optional. To remove yourself from any of the mailing lists, you can unsubscribe using the unsubscribe link in any of our email newsletters.
Our web server automatically collects and logs limited information about your computer's connection to the Internet when you visit our site. The information collected in these log files allows us to make our site more useful to our visitors. The access logs do NOT record your name, address, phone number, e-mail address, credit card number, or any other personally-identifying information. Rather, they contain some or all of the following information:
- The Internet Protocol Address (IP Address) of the machine you used to access our web site*
- The date and time you visited
- The pages you visited on our site
- The brand and version of browser you used, and the type of computer you used.
- A list of files you downloaded or viewed
- The amount of time you spent viewing or listening to streaming media files
- Any errors you encountered
*Your IP address is a number that lets computers attached to the Internet know where to send you data. Your IP address does not identify you personally. Most Internet Service Providers use a "dynamic" form of assigning IP Addresses. This means that you may have a different IP Address each time you visit our website. Also, many Internet Service Providers, use "Proxy servers" which provide even more anonymity for visitors. For example, all visitors accessing our website through a proxy server will be recorded in our access logs as having the same IP Address.
To help make our sites more responsive to the needs of our visitors, we invoke a standard feature found in browser software, called a "cookie," to assign each visitor a unique, random number, a sort of anonymous user ID that resides on your computer. The cookie doesn't actually identify the visitor, just the computer that a visitor uses to access our site. Unless you voluntarily identify yourself (through registration, for example), we won't know who you are, even if we assign a cookie to your computer. The only personal information a cookie can contain is information you supply. A cookie can't read data off your hard drive, and our cookie can't read the cookie files created by other sites.
Information Sharing and Sites Beyond Our Website