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Privacy Policy

By continuing to use and browse this site, you agree to Par 4 Mortgage’s Privacy Policy.

As a company built on customer service, we know a thing or two about privacy.  Select one of the Privacy Sections below or scroll down to read our privacy principles.

   

We believe in full transparency—from our loan options to our privacy policy—so here are the highlights when it comes to your Personal Information.

We may collect your data through various sources—our website, and we use that information to help us provide the best possible experience for you.

Our mission is to act as a trusted advisor, and we can’t do that without your trust. This Privacy Policy explains what information we collect about you, why we collect the information, as well as how we collect and use the information so that we can deliver the best experience that we can.

This Privacy Policy is intended for individuals that reside in the United States. By using any of our websites and mobile applications in the United States (collectively, “Sites”) or otherwise providing Personal Information to us, you agree to this Privacy Policy.

We may use Personal Information as permitted by law, for the following business purposes,

  • to respond to your inquiries and fulfill your requests
  • to send administrative information to you, such as about your account or loan or respond to your inquiries and requests for information
  • to communicate with you about loans, services, promotions, campaigns, programs, contests, and accounts
  • to inform you about our loan products, promotions, events or other promotional purpose
  • to re-contact you if we have not heard from you in a while
  • to send you advertising/promotional material from any of our affiliates, and on behalf of our promotional and strategic partners
  • to improve your experience with our products and services, such as by personalizing your experience with us

We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

·         to comply with applicable law and legal process

·         to respond to requests from public and government authorities, including public and government authorities outside your country of residence

·         to detect, prevent, or investigate potential security incidents or fraud

·         to facilitate the functionality of our mobile applications and websites

·         to provide important product safety information and notice of product recalls

·         to enforce our terms and conditions

·         to protect our operations or those of our affiliates

·         to protect our rights, privacy, safety or property, security and/or that of our affiliates, you or other

 

To the extent permitted by law, all of your Personal Information may be disclosed to the following categories of third parties:

  • to our affiliates for the purposes described in this Privacy Policy
  • in connection with the essential purposes described above (e.g., to comply with legal obligations)

We do not monitor or follow “Do Not Track” (DNT) signals because there is no standard interpretation or practice for DNT signals. Therefore, we handle all user information consistent with this Privacy Policy.

The Sites may link to other web sites and online services. We have no control over such third parties and therefore cannot be responsible for the content, availability, or security of such linked third-party websites, so please read their privacy policies carefully. Third parties may use your information for their own purposes, including behavioral or advertising purposes. This Privacy Policy does not address the privacy and data security practices of any third parties. The inclusion of a link on the Sites does not imply endorsement of the linked third-party website or their products and services, and is provided for your convenience only. If you decide to access any of the third-party websites linked to our Sites, you do so subject to the terms and conditions of use for such third-party websites.

We are also not responsible for the privacy and data security practices of other organizations, such as Facebook, Instagram, Apple, Google, Microsoft, Twitter or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer. Please read their privacy policies and consider customized settings on your browser or through your mobile phone to limit disclosure of certain information, such as location data.

Any Personal Information that you provide through these third-party websites, mobile applications, or social platforms will be subject to the privacy policy of its operator, and not this Privacy Policy.

With recent events and regulatory changes, our customers and business partners are increasingly asking how Par 4 Mortgage protects the sensitive information entrusted to us. We recognize that this is a significant trust and one that we don’t take lightly. Information Security is a very complex subject, and the technical details are beyond the scope of this document. However, this will provide a general overview of the Information Security.

Par 4 Mortgage’s primary tool for loan processing is the Encompass Loan Origination system by Ellie Mae.  Additional services (Credit Reporting, Anti-fraud, etc…) are provided by third party organizations via the Ellie Mae Network. Data movement between Ellie Mae software clients to the central server is encrypted throughout transmission. Borrower information stored on the central server is also encrypted while “at rest”. Similarly, information passed through the Ellie Mae Network is encrypted throughout transit.

Secure exchange of information between borrowers and Par 4 Mortgage Loan Officers and associates is facilitated by the Encompass eFolder functionality. Additionally, our email system is configured to automatically establish Transport Layer Security with any correspondent email systems that support this encryption mechanism. Finally, we have an Encrypted Email system for communications with those that don’t have access to a secure email system.

We use standard physical, technical and administrative measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your Personal Information. Unfortunately, no system or network can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us in accordance with the “Contacting Us” section below (note that physical mail notification will delay the time it takes for us to respond to the problem).

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by for legal, auditing, or compliance purposes.

We do not intend for our websites or other online services to knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow minors under the age of 13 to disclose their Personal Information to us through the Sites. The Sites are directed to individuals who are permitted to share their Personal Information without parental consent.  If you believe that we might have any information from a child under the age of 13, please contact us as directed below in the “Contacting Us” section. You may mark your inquiry “COPPA Information Request.” Parents can learn more about how to protect children’s privacy online here.

We welcome your questions, comments, and concerns about privacy. If you have any questions about this Privacy Policy or our data practices, please contact us.

Please note that email communications are not always secure, so please do not include credit card information or other sensitive information in any emails to us.