CALIFORNIA DO NOT TRACK DISCLOSURE
Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.
CALIFORNIA CONSUMER PRIVACY ACT (CCPA)
This Statement covers PMC’s collection of personal information that it gathers when you are on PMC controlled websites. It does not apply to information collected and stored by a means other than these websites or practices of third parties that PMC does not own or control, or to other individuals that PMC does not employ or manage. By accessing the PMC websites, you are accepting the practices outlined in this Statement.
Access to information about customers collected from PMC websites is restricted to PMC and third parties that need access to customer information in order to provide PMC operational or other support services, PMC mortgage lending products and information, or as may be required by law. PMC does not distribute, sell or rent any personal information collected via its websites. This is also true for personal information (email address, postal address, etc.) sent to the website’s email addresses. The transmission of personal information entered via the site’s forms is protected by PMC’s security features.
PMC’s Personal Information Collection and Purpose: PMC’s primary goal in collecting information is to provide you with a friendly, customized and efficient experience. PMC collects 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. PMC takes reasonable precautions to protect from loss, misuse, and unauthorized access, disclosure, alteration and destruction of personal information. We collect the following information from our customers via PMC’s websites:
(A) INFORMATION YOU PROVIDE TO US:
PMC collects identifying information when you submit an online application or inquiry via PMC websites. For example, PMC may require customers who submit an online application to give us the following personal information: name, address, phone number, email address, financial information, employment information, etc. When you initially submit an inquiry for a mortgage application PMC may also ask for additional types of personal information. All financial and personal information that PMC collects from you is used for the purposes of checking your qualification as a prospective borrower of a residential mortgage loan. PMC may use third party intermediaries to manage the website functionality and information submitted, however these intermediaries are not permitted to store, retain, or use the information provided, except for the sole purpose of facilitating the distribution of customer information or the functionality of the PMC websites. All third party intermediaries are held to local, state and federal laws surrounding personal financial information, and vetted through PMC.
(B) E-MAIL COMMUNICATIONS
PMC receives confirmation when you submit a loan application and may follow-up with an email confirmation in order for us to acknowledge receipt of the application, or to follow-up on a customer inquiry. PMC may also send out emails with information regarding PMC promotions, products, mortgage lending information and/or updates, and loan milestone updates.
(C) INFORMATION FROM THIRD PARTIES
PMC may also collect information about you from its consumer reporting agencies and other similar avenues for sole purpose of facilitating a mortgage loan transaction.
For purposes such as improving personalization of the PMC websites, PMC may receive information about you from other sources and add it to our account information.
(D) AUTOMATIC INFORMATION
PMC receives and stores certain types of information whenever you interact with us via PMC websites. PMC automatically receives and records certain “traffic data” on our server logs including your IP address, PMC cookie information, the page you requested, and your communications and interactions with other site users. PMC uses this traffic data to help diagnose problems with its server, analyze trends and administer the PMC websites.
PMC automatically collects usage information, such as the numbers and frequency of visitors to our websites and use of components of our websites. This type of collective data also enables us to figure out how often customers use parts of the PMC websites so we can make the websites appealing to as many customers as possible. We collect and use this information for internal purposes only.
Many companies offer programs that help you to visit web sites anonymously. While PMC will not be able to provide you with a personalized experience if we cannot recognize you, we want you to be aware that these programs are available.
WHAT ABOUT COOKIES
Cookies are alphanumeric identifiers that PMC transfers to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our site are visited and by how many people. PMC employs cookies in order for its server to recognize a return visitor as a unique user. Cookies are used to personalize the content you view on our websites. The cookies placed by the PMC server are readable only by PMC, and cookies cannot access, read or modify any other data on a computer.
The “help” portion of the toolbar on the majority of browsers will direct you on how to prevent your browser from accepting new cookies, how to command the browser to tell you when you receive a new cookie, or how to fully disable cookies. To view more information regarding cookie settings please visit the “help” tab on your browser.
Information about PMC customers is an integral part of our business. PMC neither rents nor sells your personal information to anyone except as described in this Statement. PMC shares your personal information only with third parties that assist in the marketing, processing, funding, servicing, and/or sale of the loan. Third parties may include, without limitation, title companies, credit companies, appraisers, insurance companies, underwriting services, processing services and purchasers of loans.
CUSTOMER INFORMATION IS SECURE
All customer information collected and stored by PMC is maintained in a secure corporate data center and/or otherwise subject to best practices access protection. Only employees who need customer information to perform a specific job (for example, an underwriter) are granted access to it. All of our employees are kept up to date on our privacy and security practices.
THIRD PARTY SITES
PMC websites may permit you to link to other websites on the Internet, and other websites may contain links to PMC websites. These other websites are not under PMC control, and such links do not constitute an endorsement by PMC of those other websites or the services offered through them. The privacy and security practices of websites linked to or from PMC websites are not covered by this Statement, and PMC is not responsible for the privacy or security practices or the content of these websites. Links to other sites are provided solely for convenience of users.
Third Party Websites as referenced herein includes websites that are not owned or controlled by PMC or its employees.
PMC may also provide social media features that enable you to share information with your social media networks and to interact with PMC on various social media sites. Your use of these features may result in the collection or sharing of information about you, depending on the feature. PMC encourages you to review the privacy policies and settings on the social media sites with which you interact to make sure you understand the information that may be collected, used and shared by those sites.
PMC assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which a PMC site is linked and such linked sites are not monitored, investigated, or checked for accuracy or completeness by PMC. It is the responsibility of the user to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked site. All products, services and content obtained from a linked site are provided as is without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT
PMC websites are not directed at children, as PMC requests children under the age of 18 not provide personal information through a PMC website.
KEEPING PERSONAL INFORMATION SECURE
PMC takes seriously the trust you place in us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, PMC utilizes reasonable and appropriate physical, technical, and administrative procedures to safeguard the information we collect. PMC retains data only as required or permitted by local law and while it has a legitimate business purpose.
CONDITIONS OF USE
All PMC website activity or use and this Statement are governed by the laws of the United States of American and the laws of the State of Arizona, without regard to conflict of law principles.
QUESTIONS OR CONCERNS
If you have any questions or concerns regarding privacy at PMC websites, please contact us at firstname.lastname@example.org. Your privacy is important to PMC and we will make every effort to resolve your concerns.