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At PCR Mortgage Services, we are committed to
protecting the privacy of our customers' information. We know that
your financial information is personal. Our goals are to serve you
as effectively and conveniently as possible and to ensure that information
you share with us remains confidential. As part of our commitment,
we have adopted the following Privacy principles and have implemented
them at all levels of our organization.
1. Privacy of Information-Customer Expectations
Trust, privacy, and confidentiality are the most important part of
our commitment in meeting customer expectations of how we use the
information we obtain. We will maintain standards to ensure that your
information is private and secure at all times.
2. Employee Access to Information is
Limited
PCR Mortgage Services has policies and procedures in place that limit
access to your personal information to those employees with business
reasons for knowing such information. We have appropriate policies
to enforce employee responsibilities regarding the privacy of customer
information. Our employees are aware it is inappropriate to discuss
the affairs of customers and their finances, except with other employees
and outside professionals retained by us, and then only to the extent
necessary for business purposes.
3. Use, Collection, and Retention of Customer
Information
We collect, retain, and use information about you in order to conduct
our business with you, satisfy legal reporting requirements, and administer
our internal operations. We may routinely collect or retain information
that includes your: (1) name, address, telephone number, social security
number, annual income, current and past employers; (2) answers to
questions on deposit and loan applications; and (3) deposit and loan
balances, overdraft history and payment history with us. We collect
information from consumer reporting agencies regarding credit and
checking account histories.
We do not provide information to outside parties unless it is in direct
support of your account activities. We do not sell our information
to companies that offer other products and services. When we collect
information about you, we do so only for a specific business purpose.
When you end your customer relationship with us, or when we end our
customer relationship with you, we will treat the information we have
about you as if you were still our customer.
4. Accuracy of Information
Maintaining the accuracy of your personal information is important.
We have procedures to help assure that your personal information is
accurate, current, and complete. We also have procedures to correct
inaccurate information in a timely manner. If you discover any information
we have about you that is incorrect, please let us know.
5. Security of Consumer Information Collected
PCR Mortgage Services maintains security standards and procedures
regarding unauthorized access to customer information. We constantly
update and test our technology to improve the protection of our customer
information and to protect the integrity of our systems. We do not
provide information about you to anyone without first verifying who
they are and whether they may have legal access to the information.
We ask you to closely review your account and loan statements and
contact us right away if you believe that someone has improperly accessed
financial information about you.
6. Disclosure of Account Information is Restricted
We do not reveal specific information about your accounts or other
personally identifiable data to parties outside our organization except
for the performance of bona fide corporate due diligence supported
by a confidentiality agreement, or under the following circumstances:
- you request or authorize disclosure;
- the information is provided to help complete a transaction
initiated by you;
- the information is provided to a reputable credit bureau or
similar information reporting agency; or
- the disclosure is otherwise authorized or required by law.
7. Maintaining Your Privacy When We
Do Business Outside Our Organization
It is sometimes necessary to provide personal information about you
to a party outside our organization.
Some examples are when we hire a vendor or service company to prepare
your account statements, process checks, or to provide support for
one or more of our products or services. When we work with outside
businesses or companies, we require them to safeguard your personal
and confidential information. These vendors must abide by applicable
law.
We do not sell our customer lists. PCR Mortgage Services does not
share information with vendors who wish to provide special offers
of financial products and services, such as insurance companies or
credit card issuers.
8. Changes
Our privacy principles may change from time to time, so please check
our web site regularly to view the most current version.
9. Complaints
Because of PCR Mortgage Services's high commitment to confidentiality
of customer information, complaints relating to this policy should
be forwarded directly to PCR Mortgage Services's Compliance Officer,
for prompt consideration.
10. PCR Mortgage Services Online Website
Visitors to the PCR Mortgage Services Online web site remain anonymous.
We do not collect identifying information about visitors. PCR Mortgage
Services does use standard software to collect non-identifying information
about our visitors, such as:
- date and time our site was accessed
- IP address (A numeric address given to servers connected to
the Internet)
- Web browser used
- city, state, and country
PCR Mortgage Services uses this information to create summary statistics
and to determine the level of interest in information available on
our site.
Visitors may elect to provide us with personal information via E-mail
or through an online application form. This information is used internally,
as appropriate, to handle the sender's request. It is not disseminated
or sold to other organizations.
Financial Tools and Calculators that require you to provide some level
of information are used by PCR Mortgage Services. The provider of
the tool, calculator or questionnaire may retain this information.
The information will only be used by PCR Mortgage Services to provide
you with services you have requested.
Cookies are lines of text that are transmitted to your web browser
when you click on a link. Your browser stores the information on your
hard drive and when you return to that site later, the "Cookie"
is transmitted back to the server that originally sent it to you.
Cookies provide a way for a server to recall a previous request from
a particular web browser. PCR Mortgage Services does use "Cookies"
in our website, to help keep track of your online sessions. The cookie
is used only for administrative purposes and does not contain any
sensitive information such as your account passwords, account numbers
or social security number, etc.
11. Internet Security
Using our website, a customer may submit online account applications
and perform other online functions using automatic data encryption.
This secure data transmission link will protect the confidentiality
of sensitive customer information.
12. Whom should you contact with Questions?
At PCR Mortgage Services, we value customer relationships. We want
you to understand how we use the information you provide and our commitment
to ensuring your personal privacy. If you have questions about our
privacy policy, please call PCR Mortgage Services's customer service
department at 1-866-782-5267 or e-mail us at Mortgageinfo@PCRMortgage.com.
We will be glad to answer your questions.
13. Fraud Notification About Phishing
PCR Mortgage Services will never send email requesting or requiring
customers to send personal information, such as account numbers, SSNs,
passwords, or PINs, to us via email or unsolicited pop-up windows.
If you receive such an email claiming to be affiliated with PCR Mortgage
Services, do not respond. Instead, report the situation to us immediately
by email. For more information regarding “phishing” read
the brochure “How
Not to Get Hooked by the ‘Phishing’ Scam" on
the FTC web site.
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