By continuing to use
and browse this site, you agree to Par 4 Mortgage’s
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
- WHAT DOES Par 4 Mortgage DO WITH MY INFORMATION
the highlights when it comes to your Personal Information.
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
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.
using any of our websites and mobile applications in the United States
(collectively, “Sites”) or otherwise providing Personal Information to us, you
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
communicate with you about loans, services, promotions, campaigns,
programs, contests, and accounts
inform you about our loan products, promotions, events or other
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
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:
comply with applicable law and legal process
respond to requests from public and government authorities, including public
and government authorities outside your country of residence
detect, prevent, or investigate potential security incidents or fraud
facilitate the functionality of our mobile applications and websites
provide important product safety information and notice of product recalls
enforce our terms and conditions
protect our operations or those of our affiliates
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
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
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
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.
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.
Personal Information that you provide through these third-party websites,
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.
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.
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
longer retention period is required or permitted by for legal, auditing, or
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.
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.