PRIVACY NOTICE


Lawn & Mullinix Mortgage will collect, retain and use information about individual customers only when and to the extent we believe the information would be useful to administer our business, in accordance with the law.  It is the policy of Lawn & Mullinix Mortgage to have a continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of our customers’ non-public information.  Non-public information (“NPI”) includes, but is not limited to our customers’ names, their personal addresses, their telephone numbers, their Social Security numbers, their date of birth, their credit history, and their employment history.

How we collection your information:

Lawn & Mullinix Mortgage may collect NPI about our customers from the following sources:

  • Information that  is provided to Lawn & Mullinix Mortgage on loan applications or other forms connected to the loan by the customer, or communications with the customers (e.g. electronic messages, posted mail, face-to-face meetings, telephone conversations, internet forms, telephone conversations, etc.);

  • Information about the customer’s transaction with us or others;

  • Information received from credit bureaus or real estate appraisers;

  • Information received from third party sources concerning your credit, banking and deposit information, and employment.

  • Information received from completed applications and contact forms via our website.

How we use your information:

We may share all the information that we collect, as described above, for the following reasons:

  • To improve our services and products available to you

  • To one or more of our investors when your loans and its servicing is sold to an investor (as disclosed in other documents, we may not hold or service your loan.)

  • To comply with government regulations

  • To provide anonymous statistical analysis of web page traffic patterns

How you can further protect your privacy online:
  • Keep your account number, username and password safe

  • Keep your anti-virus software up-to-date and only use secured web browsing when entering personal information

  • Never open an email from an unknown source and never click on a link from an email that asks for your account information, username or password

How we use web technologies:
  • Device information:  We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number). Lawn & Mullinix Mortgage may associate your device identifiers or phone number with your account.

  • Log information:  When you use our services or view content provided by Lawn & Mullinix Mortgage, we may automatically collect and store certain information in server logs. This may include:

  • Location information:  When you use a location-enabled Google service, we may collect and process information about your actual location, like GPS signals sent by a mobile device. We may also use various technologies to determine location, such as sensor data from your device that may, for example, provide information on nearby Wi-Fi access points and cell towers.

  • Unique application numbers:  Certain services include a unique application number. This number and information about your installation (for example, the operating system type and application version number) may be sent to Lawn & Mullinix Mortgage when you install or uninstall that service or when that service periodically contacts our servers, such as for automatic updates.

  • Local storage:  We may collect and store information (including personal information) locally on your device using mechanisms such as browser web storage (including HTML 5) and application data caches.

  • Cookies and anonymous identifiers:  We use various technologies to collect and store information when you visit our website, and this may include:

  • sending one or more cookies or anonymous identifiers to your device.

  • details of how you used our service, such as your search queries.

  • telephony log information like your phone number, calling-party number, forwarding numbers, time and date of calls, duration of calls, SMS routing information and types of calls.

  • Internet protocol address.

  • device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL.

  • cookies that may uniquely identify your browser or your account.

It is our obligation to the customer to ensure the security and confidentiality of customer records and information; to protect against any anticipated threats or hazards to the security or integrity of such records; and to protect against unauthorized access to our use of such records or information which could result in substantial harm or inconvenience to our customers.  Lawn & Mullinix Mortgage does not share information about our customers outside of Lawn & Mullinix Mortgage and its affiliates, unless permitted by Title V of the Gramm-Leach-Bliley Act of 1999 and other applicable federal or state laws and regulations.

To that end, below please find Lawn & Mullinix Mortgage’s policies and strategies to protect your NPI.

Opt Out

It is the customer’s right to “opt out” of a limited amount of NPI sharing.  Opt out means that the customer may request Lawn & Mullinix Mortgage not share their NPI with any non-affiliated companies. Lawn & Mullinix Mortgage does not disclose any non-public personal information to anyone, except as permitted by law.

A customer’s right to opt out does not extend to the following:

  • To third-party service providers to properly facilitate transactions;

  • To companies that perform marketing services for Lawn & Mullinix Mortgage;

  • To a company as part of a sale of business;

  • To regulatory authorities and law enforcement officials;

  • To third party entities for required risk analysis;

  • To a third-party entity so as to protect against or prevent actual or potential fraud, unauthorized transaction, claims or other liability;

  • To third party entities so as to resolve consumer disputes or inquiries;

  • To financial institutions with whom Lawn & Mullinix Mortgage maintains joint marketing agreements; and,

  • To third-parties as directed by the customer.

To “opt out” please contact the Compliance Department at 866.877.3143. Confidentiality and Expiration of Policy Unless otherwise directed by the customer, Lawn & Mullinix Mortgage does not disclose the customer relationship.  All information we collect is confidential.  At no time will Lawn & Mullinix Mortgage cease to adhere to the privacy policies and practices stated in this notice.  This includes when a customer chooses to end their relationship with Lawn & Mullinix Mortgage.

Security

To maintain the security of customer information, we restrict access to the customer’s personal information to employees and authorized agents who need to know that information to provide the customer with products and services.  Lawn & Mullinix Mortgage so values our obligation to your privacy, we require all employees to sign an agreement outlining our policy.  This notice serves as a standard for our employees and is posted conspicuously throughout our branches.  We maintain physical, electronic and procedural safeguards that comply with federal standards to maintain the confidentiality of your information. We also regularly assess new technology and developments in this area and upgrade these safeguards as appropriate.

If you have any questions about the confidentiality of your information, please call us at 757.213.1680 ext 2008 or our toll-free number at 866.877.3143.