Your Mortgage People Privacy and Security Statement

Privacy Statement

Numerica Mortgage dba Your Mortgage People is committed to protecting your Privacy.  This Privacy Statement answers specific questions regarding what information we collect and how it is used.

Parties With Whom We Share Information

We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators and loan investors. These types of third parties are called non-affiliated third parties.

We may also share some of this information with companies performing services on our behalf such as the vendor who prepares our marketing mailings. These types of vendors are called service providers.

Cookies

Cookies can be either “persistent” or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behaviour upon return to the issuing web site. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser. Upon closing your browser the session cookie set by this web site is destroyed and no personal information is maintained which might identify you should you visit our web site at a later date.  

What personal information is being collected

Unless this web site asks for specific personal information in order to respond to requests for information or to register uses for particular services, only the following information will be collected when you use this site:

• your server address;
• the date and time of your visit to the site;
• the pages you accessed and the documents downloaded;
• the previous site you visited; and
• the type of browser you are using

Outside Links

For your cenvenience this site contains links to outside web sites.  Your Mortgage People is not responsible for the content or privacy policies of external sites.  

Security of personal information collected on this site 

This site does not provide facilities to guarantee the secure transmission of information across the Internet. Reasonable efforts are used to provide security but users should be aware that there are inherent risks in the transmission of information across the Internet.

Personal Information Collected

You may choose to voluntarily submit your personal infomation to Your Mortgage People for a specific purpose (ie. Loan Application, Employment Inquiry).  If such information is collected by Your Mortgage People this information will only be used for the intended purpose and the data will be ptected as outlined below.

Customer Data Protection

We are a company committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law including assessing risk and using reasonable controls to protect customer information

Our company culture is to treat customer information the way we would want our own information treated. We train employees on handling and securing customer data to maintain a culture of protection and security. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.

Information Regarding Trigger Alerts

Your Mortgage People does not share any private information with any Third Party without your permission.  You should be aware that most credit bureaus (Equifax, Transunion, Experian, and Our Credit Provider First American Credco) provide “Trigger” Leads to outside Third Parties.  Please see our web page Trigger Alerts for further information regarding this sbject.

Identity Theft/Fraud

Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover has occurred when an individual acquires another person's existing credit account information and purchases products and services at the victim's expense. Application Fraud has occurred when an individual uses another's Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim's name.]

If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.

• Experian (1-888-397-3742)
• Equifax (1-800-525-6285)
• TransUnion (1-800-680-7289)

Carefully review your credit reports for: accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.

If you decide not to place a fraud alert on your credit file, you can still obtain free copies of your credit report by going to the following Annual Credit Report website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.

To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further information and insights about how to protect your identity from identity thieves.

Identity Theft Hotline: 877-438-4338
Web: www.consumer.gov/idtheft
Mail: Identity Theft Clearinghouse,
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580