Security and Privacy
OUR SECURITY & PRIVACY PLEDGE
At LatiMax MTG, we have dedicated ourselves to revolutionizing the
home loan process and helping individuals use their home financing options
as a tool to manage their financial lives. In that effort, we respect and
protect the privacy of those who visit or use our website. When we collect
information from you, we want you to know how it is used. To demonstrate
our commitment to fair information practices, we have adopted leading
industry privacy guidelines.
By using our website, you are consenting to the use of information and
agreeing to these guidelines and the other LatiMax MTG policies
described on our website.
LatiMax MTG does not share your personal information with outside
companies for their promotional use without your consent.
Because of the financial nature of our business, our websites are not
designed to appeal to children under the age of 13. Therefore, we don't
knowingly attempt to solicit or receive any information from children.
Data Collection And Data Sharing
These are the types of data we might collect about you:
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Identifiers
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Any personal data described in subdivision (e) of Section 1798.80 of the California Consumer Privacy Act
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Characteristics of protected classifications under California or federal law
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Commercial data
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Biometric data
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Internet or other electronic network activity data
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Geolocation data
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Sensory data
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Professional or employment data
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Education data
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Inferences drawn from any of the data used to create a customer profile
We might share your data with third parties for business purposes or for
any of these reasons:
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Auditing
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Detecting fraud
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Debugging
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Providing services
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Internal research
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Quality control
With your consent, we might share your personal data with third parties, including
our affiliates, mortgage partners and service providers, for these reasons:
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Business purposes
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Marketing
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Analytics
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Pre-populating your information to make your experience easier
To opt out of sharing your data, please contact us.
Sale Of Data
We don't sell your data.
Your Privacy Rights
If you'd like to review, access, revise or delete personal data we've
collected about you, please contact us.
Right To Know
You have a right to know what personal data we've collected about you,
what data we've sold, who we've sold your data to, and what data we've
shared for business purposes.
To exercise this right, please contact us.
Right To Access
You have the right to see what specific pieces of data we have about you,
and to get this data in a portable and easily accessible format.
To exercise this right, please contact us.
Right To Delete
You have the right to request that we delete your data. We're legally
required to keep some data about you, but we'll delete everything we can.
Keep in mind that we might reacquire some of your data if we purchase data
from a third party.
To exercise this right, please contact us.
Device Co-Op Privacy Control
LatiMax MTG participates in a device co-op to better understand how you use our
website and apps across all the devices you use. This helps us deliver experiences
that are tailored for you. You can
learn more about this device co-op or opt out of
participating in it.
LATIMAX MTG MEDIA ADVERTISING GUIDELINES
At LatiMax MTG, we want you to be comfortable and confident when using
our website. Therefore, we would like to share with you the following
principles that govern our information practices and other privacy
aspects of our website:
We do not make our advertising decisions based on political affiliations
or in support of, or against, any political or religious group. We firmly
believe in the right of free speech, however, we also believe we have an
obligation to ensure our advertising does not appear in content that is
detrimental to our brand values. As one of our ?ISMs? states, we ?Do the
Right Thing? when deciding where our advertising messages will appear.
This means we will not advertise within programs that consistently
exploit excessive or gratuitous violence or sexuality, which demean or
denigrate any religion, race, sex or which are otherwise lacking in good taste.
Should our advertising appear within programming content that violates
these guidelines we will review the content in question and make decisions
about the appropriateness of that program for future consideration.
OUR PHILOSOPHY AND PRACTICES
At LatiMax MTG, we want you to be comfortable and confident when using
our website. Therefore, we would like to share with you the following
principles that govern our information practices and other privacy aspects
of our website:
WE PROVIDE YOU NOTICE OF OUR WEBSITE INFORMATION PRACTICES.
To maximize the value of our services, we may request information from
you when you visit our websites. LatiMax MTG does not share your
personal information with outside companies for their promotional use.
Here is a description of the information we collect and how it is used:
PROTECTING YOUR IDENTITY AND CREDIT
Credit reporting agencies may share your information with other companies
when you apply for a home loan. This may cause you to receive Email or
phone calls that you didn't ask for, offering credit cards, refinancing
or other loan products.
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Tools, Applications and Registration: We provide a
number of ways for you to explore your options for mortgages and
loans, so you can determine which options may be the most desirable
for you. You can engage a number of tools, planners, calculators and
other interactive advisors, such as the online interviews, without
providing us your identity. We will not ask you for personally
identifiable information to use these features, and do not attribute
the information that you provide to you as an individual.
However, if you want to exercise one or more of the loan options
presented, we will ask you to register at the site and supply
other identifying and supporting information needed to process
your application.
By registering, you can save information such as loan interviews
and applications for later review and update. When you register,
you select a member ID name by which we will know you, choose a
password and provide us an Email address. You use the member ID
name and password to gain access to your loan application information,
financial profile and/or customized rates. We use your contact
information to provide you with alerts and updates regarding your
loan status, which is part of the LatiMax MTG service. LatiMax MTG does not share your information with outside companies for
their promotional use. We may, however, use it to send you
communications and special offers on other products or services
offered by LatiMax MTG. If you do not want to receive this
information you may opt-out during registration, within any future
communications or by sending an Email to
info@latimaxmtg.com.
We may also supply the information you provide, on a strictly
confidential basis, to service providers, such as title companies,
appraisers, credit reporting services, etc., who assist us in
qualifying, processing, closing and servicing your loan.
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Credit Report: By submitting a loan application
or a request to be pre-qualified to us, you authorize us to share
your credit report with our affiliates only to process your loan
application.
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Newsletters: We provide you the opportunity to
subscribe to Email newsletters and other Email communications.
You may unsubscribe by following the instructions provided in
each Email newsletter.
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Interactive Help (Chat / PC to Phone): You may
initiate an online interactive discussion or PC to Phone communication
with a LatiMax MTG support professional to facilitate the
completion of your loan application. We do not ask for any
personally identifiable information to use this service; if you
volunteer personally identifiable information, it will only be
used to respond to your request. We maintain transcripts of chat sessions.
MORE ON OUR GENERAL INFORMATION PRACTICES.
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Contests, Sweepstakes, and Surveys: From time to
time, we may offer you the option to participate in contests, sweepstakes,
or surveys. If you would like to participate, we may ask you for
contact information, preferences or other information. This information
may be used to conduct research, improve our offerings, or contact you
regarding home financing or award prizes. Our contests or sweepstakes
may have separate rules and we will identify how the information that
you supply will be used in each case.
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Mandatory and Optional Information: We identify what
information is required to fulfill your request. If you chose not to
provide mandatory information, we will not be able to provide you the
service you are requesting. As part of your use of our website, we
may collect information that my include your name, address, social
security number, the location and value of the property related to
the requested loan products or services, financial information about
your assets and income, financial accounts, insurance and other
information. As part of this process, you consent to LatiMax MTG
obtaining a credit report and for us to use that information as
described in this policy. We will also collect information about your
activity on the LatiMax MTG websites and use that information as
described in this policy.
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E-mail Message Formatting: When sending you Email
we may use an image called a single-pixel GIF, that allows us to (1)
format messages that best align with your computer's capabilities,
and (2) determine whether you've opened an HTML Email. When you click
on a link within an Email message, you will first pass through our
server, and then are redirected onto the Internet. We use this data
on an aggregate level to evaluate response rates to our Email messages
and to determine which links are most useful to our client base.
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Within the LatiMax MTG Family: Within the Latimax MTG family, which includes our title company, Amrock Inc.,
we may exchange customer information to fulfill your requests or to
provide you with information about other products or services, if
you have chosen to receive such communications.
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Service Providers: In some cases, we will employ or
use service providers such as title companies, appraisers,
consultants, and temporary workers, third party software developers,
to complete a business process or provide a service on our behalf.
For example, we may use service providers to enhance our website
technology, deliver products, or to send Emails. When we employ service
providers, we may need to share your personally identifiable information.
Service providers are strictly prohibited from using your personally
identifiable information for purposes other than to act on our behalf.
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Service Alerts and Critical Notices: Although we respect
and honor the privacy preferences you have expressed, we may need to
contact you to inform you of specific changes that may impact your
ability to use this service or for other critical non-marketing purposes,
such as bug alerts. We may also contact you to respond to your specific
requests, to clarify the order information you provided to us, or to
notify you of upcoming subscription expiration dates.
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Change of Control: Your personally identifiable
information may be transferred in connection with a sale, merger, transfer,
exchange or other disposition (whether of assets, stock or otherwise)
of all or a portion of a business of LatiMax MTG. You will have the
opportunity to opt out of further secondary use of your information
following any change of control.
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Changes to Our Privacy Policy: If we plan to make
significant changes to any of our privacy policies or practices with
respect to how we use personally identifiable information, we'll post
those changes to the LatiMax MTG website 30 days before they take effect.
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Legal Disclosures: In some cases we may disclose
certain information to comply with a legal process, such as a court
order, subpoena, search warrant, or law enforcement request.
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WE WORK HARD TO PROTECT YOUR DATA FROM LOSS, MISUSE AND UNAUTHORIZED CHANGES.
We use industry-recognized security safeguards to protect your data. We
secure all data that's sent to LatiMax MTG to protect it from loss,
misuse and unauthorized changes.
We protect your data using industry-standard security products and protocols,
as well as carefully developed security procedures. Our security measures are
reviewed on a regular basis by both our internal team members and outside
security specialists.
We also hold our team members responsible for keeping your data safe. Here are some ways we do that:
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We require all team members to take regular training and sign a written
statement acknowledging their compliance with our security protocols.
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We limit access to sensitive data to only team members who require
that data for their role.
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We enforce strict password protocols.
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We require strict authentication and authorization for team members to use, view or change information.
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WE TELL YOU HOW AND WHY WE USE WEB TECHNOLOGIES.
Here is how and why we use some common Web technologies to help manage our websites:
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Cookies: A "cookie" is a small piece of information
that our website may provide to your browser while you are at our
sites. The LatiMax MTG website supplies your browser with cookies
that contain a unique identifier used to better understand website
usage in the aggregate and on an individual level so we know what
areas of our site users prefer (e.g., based on the number of
visits to those areas). This is done through a tracking utility
that allows us, for example, to reconstruct activity from a
session or by a user, for troubleshooting and issue resolution
purposes. LatiMax MTG may also employ service providers to
help us collect and understand our website usage data.
When periodic surveys are presented to website visitors, cookies
are used to prevent issuing multiple invitations to the same individual.
If you are a registered member on the LatiMax MTG website,
you will receive a cookie when you login. This cookie is maintained
by your browser and contains your identifier. This cookie is also
used to authenticate your identity and provide you with access
to areas of our website that are limited to registered members,
such as those that allow you to view and manage your personal profile.
Additionally, LatiMax MTG service providers that serve ads on
affiliate and/or advertiser websites may assign different cookies
and small graphical images called single-pixel GIFs or web beacons,
to your browser to track the effectiveness of LatiMax MTG
advertising on other websites and your involvement with LatiMax MTG. For example, as part of the LatiMax MTG affiliate programs,
our service providers use cookies and web beacons to determine
when affiliate program members have referred a customer to LatiMax MTG via a link on their website. The LatiMax MTG website also
sets a temporary cookie that contains a unique, anonymous identifier
that is provided to the service provider to ensure that each referral
is only counted once. This cookie is not linked to a customer's personal
information. The cookies and web beacons are necessary to ensure
that affiliate program members are appropriately credited for their
referrals. Service providers report data in the aggregate and do
not link it to individual customer information. LatiMax MTG may
also employ service providers who may assign cookies or web beacons
to your browser to assist us in collecting website usage data such
as your IP address, session ID, URL and demographic information
such as your zip code. The collection of data may include personally
identifiable information. We do not track URLs that you type into
your browser, nor do we track you across the Internet once you leave our site.
If you simply want to browse, you do not have to accept cookies from our site.
Should you decide, however, that you would like to register and sign in to
special areas of the website and you have modified your browser settings not
to accept cookies, you will need to re-set your browser to accept the cookies
that we send. Otherwise, you won't be able to participate in certain areas of
the website. Most browsers are defaulted to accept and maintain cookies.
If you wish to remove cookies provided by LatiMax MTG, please check
your browser's settings and Help section for instructions for removing
cookies from your browser.
Behavioral Advertising: Please be aware that we use
third party advertising companies to collect non-personally
identifiable information for online behavioral advertising to provide
targeted display advertisements, likely to be of greater interest
to you, through participating publishers and advertisers. Such
information may include non-personally identifiable information
(e.g., click stream information, browser type, time and date,
subject of advertisements clicked or scrolled over) through the
use of Cookies and other technology. To learn more about online
behavioral advertising or to opt-out of this type of advertising,
please click on the following link:
www.networkadvertising.org.
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Website Usage Data: Our website tracks usage data,
including, for example, your IP address, your browser type and version,
which pages you view, which page, if any, linked you to our site, and
which link, if any, you follow off of our site. We use this data in
the aggregate and on an individual level to better understand website
activity to improve our site offerings, to reconstruct activity from a
session or by a user, for troubleshooting and issue resolution purposes.
We may also use this data to provide you a more personalized website
experience, assistance with technical support questions, and to send
you special offers, product and service updates, or other promotional
materials that are relevant and tailored to your interests. If you do
not want to receive these offers or promotions, simply indicate your
contact preferences during the registration process, within any future
communications or by sending an Email to
info@latimaxmtg.com.
We do not share your information with
outside companies for their promotional use. We do not track URLs
that you type into your browser, nor do we track you across the
Internet once you leave our site.
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Social Media and Third-Party Website Security and Privacy Policies:
LatiMax MTG currently has presence on social media to connect with
and market to the public, LatiMax MTG customers, and potential
customers of the LatiMax MTG' family. Your activity on third-party
websites is governed by the security and privacy policies of each
third-party website. Users of third-party websites often share
information with the general public, user community, and/or the
third-party operating the third-party website, which may use this
information in a variety of ways. Consequently, you should review the
privacy policies of the third-party website before using it and ensure
that you understand how this information may be used. You may be able
to adjust privacy settings on your accounts on any third-party website
or application to match your preferences. The information posted on or
directed at LatiMax MTG through social media is generally available
to the public. To protect your privacy, do not include information you
want to keep private or any other sensitive personal information in
your social media activity, comments or responses. This information
may be archived independently on, and retention of such information
is governed by, the third-party website.
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Browser ?Do Not Track? and Other Settings: You may be
using an Internet browser that has the ability to communicate your
privacy preferences to the website, including requests not to track
your usage and browsing history. Currently, the LatiMax MTG websites
do not respond to any of these signals. LatiMax MTG may track your
activity on these websites and use that information as provided in
this policy.
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WE GIVE YOU CHOICES ABOUT HOW THE PERSONALLY IDENTIFIABLE INFORMATION
THAT YOU PROVIDE TO US MAY BE USED.
We give you the opportunity to control the use of your personal
information for purposes other than to fulfill your request or as is
required to process, close and subsequently service your loan. For example,
on occasion we may use your contact information to send you promotional
communications about LatiMax MTG products. If you do not wish to receive
such communications, you may specify your contact preferences during the
information collection process or send an Email to
info@latimaxmtg.com.
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WE PROVIDE YOU THE OPPORTUNITY TO UPDATE OR CORRECT YOUR PERSONALLY
IDENTIFIABLE INFORMATION.
We provide you the opportunity to update or correct the contact and loan
application information that you have provided to us. You may review and
update information stored in your application online until you submit your
application.
LatiMax MTG recommends that you do not use email communications to send
us sensitive personal information. If you need to change that personal
information, we recommend that you call us directly.
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WE PROVIDE VARIOUS WAYS FOR YOU TO CONTACT US ABOUT OUR INFORMATION PRACTICES
AND OTHER ASPECTS OF PRIVACY.
Questions regarding the LatiMax MTG website's privacy statement, our
online privacy policy, our information practices or other aspects of privacy
on our websites, should be directed to us by Email to
info@latimaxmtg.com.
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