Effective Date: 9/16/2013
Information Collection and Use
If you wish to apply for a loan, get pre-approved or obtain mortgage information from us we will collect certain personal information from you. The types of information we collect are name and email address so that you may register. Once you have registered and began the process of applying for a loan we will ask for additional information such as address, social security number, date of birth, marital status, and number of dependants. We will also ask for the property location, employment information such as positions, and earnings, assets you may have and types of bank accounts, housing expenses and your current income, and any declarations. Once you have submitted your request you will be contacted by one of our loan officers to complete the process.
We use this information to contact you about the services on our site in which you have expressed interest and to determine whether or not you are eligible for a loan, for what amount and to allow you to view your pending loans, recent loans, and pay off amounts.
If you wish to subscribe to our newsletter, we will use your name and email address to send a newsletter to you. If you wish to opt-out from receiving it you may do so by following the instructions located at the bottom of each communication or by emailing us at email@example.com. We will send you service-related announcements on rare occasions when it is necessary to do so. For instance, if your service is temporarily suspended for maintenance, we might send you an email.
Based upon the personal information you provide us, we will send you a welcoming email to verify your email address and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account.
In order to provide certain services to you, such as providing loans, we may on occasion supplement the personal and sensitive information you submitted to us with information from third parties. To determine if you qualify for a loan, we use your name and social security number to request a credit report. Once we determine your credit-worthiness, we destroy this document.
Information Sharing and Disclosure
We may provide your personal information to companies that provide services to help us with our business activities such as processing your paperwork, sending out emails on our behalf or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.
We may also disclosure your personal information as required by law, such as to comply with a subpoena, or similar legal process.
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
As true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. We set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
We use local shared objects, also known as Flash cookies, to store your preferences such as volume control or high game score, or display content based upon what you view on our site to personalize your visit. Third Parties, with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity, use Flash cookies to collect and store information.
Flash cookies are different from browser cookies because of the amount of, type of, and how data is stored. Cookie management tools provided by your browser will not remove Flash cookies. To learn how to manage privacy and storage settings for Flash cookies click here:
Clear Gifs (Web Beacons/Web Bugs)
We employ or our third party tracking utility partner employs a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers' personally identifiable information.
Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that collects personal information.
Social Media Widgets
Access to Personal Information
If your personal information changes, or if you no longer desire our service, you may correct, delete inaccuracies, update, or amend it by making the change within the “my account” section of the site or by emailing us at firstname.lastname@example.org. We will respond to your access request within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer user your information to provide you services contact us at the email address listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security When you enter personal information or sensitive information (such as a social security number) on our site or application forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
Premier Home Mortgage, Inc.
Attn: Legal Department
1220 Mt. Rushmore Rd.
Rapid City, SD 57701