Notice of Privacy and Security
At Directors Mortgage, our primary focus is on empowering you to meet your client’s homeownership goals through an unparalleled variety of products and services. The purpose of this section is to explain how Directors Mortgage protects and uses your personal information when and after your client obtains a home loan from us. We want you to know that information given to us is safe, secure and used in a responsible manner.
YOUR CLIENT’S PROTECTION IS OUR PRIORITY
The type of information we collect:
Throughout the process of you obtaining a mortgage loan with us, we collect nonpublic personal information about you from several sources. Some of these sources are:
- Information we receive from you on mortgage loan applications and other forms (such as your phone, social security and account numbers, assets, income and employment history).
- Information about your transactions with other lending institutions or creditors (such as your loan balances, payment histories and other account information) Information we receive from third parties (such as from a credit reporting agency that addresses your creditworthiness and credit history).
- Information we obtain from others to verify the information you have provided to us (such as your employment history and other relationships with third parties).
- Information collected from our Internet web sites (such as information you provide to us and information necessary to manage your online session with us).
Our disclosure of such information:
We do not disclose any nonpublic information about you to anyone, except as permitted by law or permitted by you.
Permitted by law:
By way of example, we are legally permitted to share nonpublic personal information with affiliated Directors Mortgage companies that provide administrative and servicing functions for your loan. Additionally, we are legally permitted to share nonpublic personal information with third parties such as credit reporting agencies, federal and state regulators and loan investors, relative to matters such as originating, processing, and closing or servicing your mortgage loan, validly issued subpoenas, quality control investigations, an audit or other examination, or the sale of your mortgage loan to another institution.
Permitted by you:
Further, and to make additional products and services available to you, often at substantial savings, we may prudently share some nonpublic personal information about you with certain business partners under agreements requiring that such information be kept confidential. By way of example, we may periodically extend offers to you that pertain to real estate brokerage services, insurance, credit cards, home furnishings and accessories, home security systems, utility hookup service facilitators and the like. If you decide to pay off your mortgage loan with us, or your relationship becomes inactive, we will continue to treat the information we have collected about you in accordance with this Notice.
Key reasons to feel secure at Directors Mortgage:
- Technology leader using sophisticated, industry-leading data-encryption software
- Physical safeguards and quality controls help ensure the security and confidentiality of our customers’ personal financial information
- Responsible information-sharing within the Directors Mortgage family of companies allows us to save you time and offer valuable financial products and services
- Well-respected, carefully screened companies contract to maintain the confidentiality of your information when offering special benefits, discounts and conveniences that may otherwise be unavailable
- Choice and control over information use
- A database to honor our customers’ privacy preferences across the Directors Mortgage family.
- Well-trained employees committed to keeping your personal information secure
In today’s ever-changing, competitive market, opting out may mean missing timely information about money-saving products and services that help you accomplish your homeownership or other financial goals. It’s something to think about carefully. We don’t want you to miss out on any opportunities.
We will continue to maintain our dedication to protecting your privacy.
Anti-SPAM at Directors Mortgage
At Directors Mortgage, we certify that we will use our email notification software only to send emails to customers and prospects that have directly consented (opted-in) to receive email. We will not transmit unsolicited commercial email (spam) via our system. Directors Mortgage does not buy or sell email lists, nor do we use purchased or harvested email lists (see below).
Additionally, Directors Mortgage offers confirmed opt-in as an optional tool to use to help minimize allegations of spam and abuse. When a list is designated as “confirmed opt-in,” the system automatically sends a follow-up email to each subscriber on such lists asking the recipient to verify that they wish to receive communications via email. Only those subscribers responding affirmatively will be opted-in to future mailings sent via the Directors Mortgage Email Notification System.
Directors Mortgage is required to reconfirm (permission pass) or stop mailing an existing list when it is determined to be in violation of anti-spam policies. Repeated violations or failures to comply with anti-spam policies will result in termination of the software.
Directors Mortgage agrees not to send unsolicited email via our email notification system. For any opt-in list of email addresses used in our system, we may be asked to provide the source of the email addresses, the method used for recipient signup, and details surrounding the process used, and whatever other information relates to the transaction or sign-up process used. This includes, but isn’t limited to, date and time of sign up, IP address of signup, website signed up from, and whatever other information the we asked of the recipient at point of sign up.
We certify that we will not use rented or purchased lists, email append lists, or any other list that contains email addresses captured in any other method than opt-in. The use of opt-out lists is prohibited in our system.
How do we protect your privacy?
Why did you receive an email from our system?
You should only receive email from our system that you recognize signing up to receive email from. We certify that all email addresses used in our system are opt-in names that have given permission to send them email. As we indicate above, Directors Mortgage does not authorize use of our email services to send unwanted mail or spam. If you don’t recognize who sent you the message, see the next section.
Reporting Unwanted Mail as Spam
If you don’t recognize who used the Directors Mortgage email notification service to send you a given message, you can report it to us as spam by sending it to email@example.com. We will forward all complaints over to our outside vendor to receive, investigate, catalog, and take action based on these complaints. If you’re worried that we would simply “list wash” your address without further investigation, feel free to report the message to whatever spam reporting entity you feel most comfortable working with. Spamcop at www.spamcop.net provides an easy way to report unwanted mail as spam. You can also use your email provider’s (AOL, Hotmail, Yahoo) “report as spam” mechanism to notify the ISP that the message is spam. ISPs use this information to determine good senders from bad senders, and our provider regularly works with ISPs to take action based on that data. Alternately, there are reputable anti-spam blacklist groups that you can work with to identify an issue and inform service providers of that issue. our outside vendor works on our behalf with anti-spam blacklist groups and strive to address all issues to their satisfaction.
How do I get off an email list?
Each email sent through the Directors Mortgage’s email notification system contains a link that allows subscribers to unsubscribe from receiving emails from the sender. Each email contains an easy and automated way for you to unsubscribe. You may also change your expressed interests at any time. If you wish to unsubscribe or change your interests, simply follow the instructions at the bottom of any email. If you have received an unwanted email sent by the Directors Mortgage email notification system, please see above for options on how to handle and report an issue.
Will your information ever be shared, sold or rented?
Neither Directors Mortgage nor our outside vendor will share, sell, or rent individual personal information without your advance permission, unless ordered by a court of law. Information submitted to us is available only to employees responsible for managing this data.
If you have any questions about Directors Mortgages Anti-Spam Policy, please contact us at 888.697.3860 or email us at customerService@directorsmortgage.net.