All areas of consumer privacy are of great importance to BayRock Consumer Direct (“HCI”), the owner and operator of the website located at http://www.bayrockmortgage.com (the "HCI site"). Following is HCI’s statement concerning our policy on online privacy. HCI reserves the right to periodically change the information contained within this policy without notice; therefore, you should periodically review this policy to maintain awareness of such changes.
USE OF "COOKIES"
HCI employs the use of “cookies” on the HCI site. A cookie is a small piece of information stored by your computer for retrieval at a later date. HCI uses cookies to save your preferences for information within the HCI site, or to store your password to prevent you from having to re-enter it each time you visit. Cookies do not contain your name, telephone number, e-mail address, or postal address. Advertisers on the HCI site may utilize cookies to track your response to their advertisements. Many web browsers provide you with the ability to configure your web browser to inform you when cookies are sent, or to prevent cookies from being sent.
USE OF TRACKING DATA
The HCI site tracks usage data, including, but not limited to, your IP address, pages you view on the HCI site, pages that may have linked you to the HCI site, and which link, if any, you follow off of the HCI site. We use this data to, among other things, improve our website offerings, to reconstruct activity from a session or by a user for internal analysis, and for troubleshooting. In addition, we may use this data to personalize your experience on the HCI site, to assist with technical support issues, and to send you special offers or other promotional materials that are customized to your interests. HCI does not share your information with outside companies for any promotional purposes. We do not track URLs that you type into your browser, nor do we track your information when you leave our website.
CHILDREN'S ISSUES
The HCI site is not directed to children under 13 years of age, and children under 13 years of age shall not use the HCI site to submit any personally identifiable information about themselves.
INFORMATION HCI COLLECTS
HCI may collect the following types of information, among others, about you when you use the HCI site:
- Information obtained from you on applications and other forms on the HCI site, and from other sources used to process your request for our products (including name, address, employment, income, credit information, property insurance coverage).
- Information arising from your transactions with HCI (including payment history, account balance and other transactional information).
- Information obtained from consumer credit-reporting agencies (including your credit history and creditworthiness).
BayRock Consumer Direct (“HCI”) will never solicit information via electronic mail unless it is in connection with an application process that you have initiated with HCI. If you receive a solicitation for your personal information that is not in connection with an application process initiated by you, please report it immediately to our privacy hotline at 770-673-0024.
HOW HCI PROTECTS YOUR INFORMATION
HCI has established appropriate physical, electronic and managerial safeguards to protect the information we collect in accordance with this Privacy Policy.
LOAN PRODUCTS OR SERVICE REQUESTS
If you submit a request for a loan product or service offered through this website, we may share the personal information contained in your information request form, such as your full name, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network. All lenders in our provider network, which include banks, mortgage lenders and brokers, have entered into marketing agreements with BayRock Consumer Direct and are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email or mail based on the information you provided to them in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission or any state equivalent Do Not Call List. If one of the lenders contacts you by telephone and you wish not to be contacted again by that lender with respect to your inquiry, then you should specifically make a request to that lender not to contact you again. Please note that the lenders may maintain the information you provided whether you elect to use their services or not.
LAST UPDATE
This privacy policy was last updated on 12/26/2006.