Privacy Policy

Privacy Policy

We know you care how your information is used, and we appreciate your trust that we will use it carefully and sensibly. This notice describes our privacy policy. By visiting us, you are accepting the privacy policy described below:

What Personal Information Do We Collect?

Information You Provide
We receive and store information you enter.  We use the information you provide for such purposes as responding to your requests, improving our website, and communicating with you.  We do not share or sell your information to anyone.

Cookies
Like many websites, we use “cookies”.  Cookies are small programs that we transfer to your hard drive allowing us to recognize you and to provide you with a customized experience.  If you do not want us to use cookies, you can easily disable them by going to the toolbar of your web browser, and clicking on the “help” button.  Follow the instructions that will prevent the browser from accepting cookies, or set the browser to inform you when you receive a new cookie.  In addition, you may visit this and other websites anonymously through the use of utilities provided by other private companies.

Other Information
Every computer has an IP (Internet Protocol) address.  IP addresses of computers used to visit this site are noted.  In addition, we automatically collect other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site.

2.  How Do We Use Your Information?

Agents
We employ other companies and individuals to perform functions on our behalf. Examples include delivering packages, sending postal mail and e-mail, and processing credit card payments. They have access to personal information needed to perform their functions, but may not use it for other purposes.

Business Transfers
As we continue to develop our business, we might sell or buy assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that we are acquired, customer information will be one of the transferred assets.

Law Enforcement
If we receive a lawful court order to release account or other personal information then we will comply with the law.  We will also release information when necessary to protect the life, safety or property of others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

3.  How Do We Protect the Security of Your Information?

We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

We use encryption to protect your information contained in our customer list.

We use a firewall to protect against unlawful intrusion.

We limit access to your information on a “need to know” basis.

It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.

No system can guarantee absolute security, just as the finest lock cannot guarantee physical security.  However, we take every reasonable precaution to assure that your data is secure.

4.  Your Choice:  Opt-in or Opt-out.

It is your choice whether to receive emails or special offers from us or others.  The following section provides you with this choice.  Please note the default settings.

Please send me email or other mail informing me of special offers of your products or services.

Please do not send me email or other mail informing me of special offers of your products or services.

Please send me email or other mail informing me of special offers of related products or services from other companies.

Please do not send me email or other mail informing me of special offers of related products or services from other companies.

5.  Other Websites

Various Web sites may be linked to from this site.  If you link to another site, your privacy depends on the policy of that site.  We strongly urge you to check their privacy policy.  Not all sites guarantee that they will not share your personally identifiable information with others.  You may also wish to consult privacy guidelines such as those recommended by the Online Privacy Alliance (www.privacyalliance.org).

6.  Contact Us

If you would like to learn more about our privacy policy, or to access your personally identifiable information contained on our website, you may contact us at jim@mortgagebyjim.com.  You will be required to provide identifier information to assure that this information is not released to others.  We reserve the right to modify this policy in the future.  If we do so, notice will be posted on our home page.

We take our clients’ privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

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