Consistent with the Standard for Safeguarding Customer Information contained in the Federal Trade Commission Rule 16 CFR 314 and applicable State Laws, this Policy describes AFC MORTGAGE's privacy practices regarding information collected from users of this website. This Policy applies to our web site and web pages and applies to the collection, use and sharing of information you provide online. The Policy describes the information we collect from and describes how we use information about you, whom we share it with, and how we protect it. Our web site and web pages may contain links to third party sites not controlled by AFC MORTGAGE or covered by this Policy. We recommend that you check the privacy statement of other sites you visit before providing any personal information.
For purposes of this Policy, "personal information" means any information concerning a natural person which, because of name, number, symbol, mark, or other identifier, can be used to identify that natural person. This company does not collect any personal information about you unless you provide that information voluntarily by sending an e-mail or by initiating an online transaction, such as a completing an online application or by completing a request for additional information.
By using this website or interacting with AFC MORTGAGE online, you consent to our use and disclosure of information about you in the manner described in this Policy.
How We Collect, Use and Share Information about You Generally
Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information. When you visit our website, AFC MORTGAGE maintains information on an aggregate basis regarding web pages or information accessed by visitors to the website. This information does not contain any data concerning the web pages or services accessed by you on an individual basis. The foregoing information does not constitute personal information. The information that is collected automatically is used to improve our website's content and to help AFC MORTGAGE to determine what information is popular or unpopular with visitors to our website. This data allows AFC MORTGAGE to improve the content and material available on our website. We may also use the information we collect for analytic purposes, market research or for marketing purposes, as allowed by law.
During your visit to this website, you may complete an Online Application. Your e-mail address and the contents of your message will be collected. The information we collect will depend on whether you input data in our online application forms. This information may include your name, address, social security number in whole or in part, telephone number, account number at a bank or other financial institution, type of bank account, and the name of the bank or other financial institution, email address, date of birth, current residential information including mortgage or rent payments, employment information, income information.
The Use of Information You Provide
The information collected is not limited to text characters and may include audio, video, and graphic information formats included in the message. Your e-mail address and the information included in your message will be used to respond to you, to address issues you identify, to improve this website, or to forward your message to one of our employees for an appropriate response to your inquiry. We may also use the information you provide for purposes allowed by law such as: communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you, and using read-receipt notifications in our email communications.
We may share some of the information we collect about you to third parties, such as companies performing services on our behalf, to provide the services related to the mortgage loan product you requested. We do not disclose any information about our customers or former customers to anyone, except as permitted by law. Any company with which we share information about you for the above purposes is contractually required to comply with confidentiality standards. We may also share information with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. AFC MORTGAGE does not sell or otherwise disclose your e-mail address unless you specifically authorize us to do so for a purpose that is beneficial to you.
We do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents. Please be advised that the collection of personal information submitted in an e-mail is treated as though it was submitted by an adult seeking information on mortgage products and services. Our website is not intended or designed to attract children. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov
How AFC MORTGAGE Protects Your Personal Information
AFC MORTGAGE is strongly committed to protecting your personal information against unauthorized access, use or disclosure. Consequently, we restrict access to the information obtained from our web site and web pages to our employees, agents and contractors who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal and State Regulation designed to protect your personal information. Employees, agents and contractors who have access to this information are bound by law and policy to follow appropriate procedures in connection with any disclosure of personal information. We also comply with Dodd-Frank required supervision requirements of service providers. For details of this requirement please visit www.consumerfinance.gov
In addition, we utilize procedures and safeguards to protect the integrity of our information technology resources, including but not limited to authentication, monitoring, auditing, encryption, password and physical security. For example, we utilize state of the art software programs to monitor unauthorized attempts to upload, modify or otherwise access our website. These software programs include protections such as full-time monitoring of protection of information from fraud, theft or abuse, intrusion detection safeguards and protection; data protection, spam protection and detection and elimination of spyware, trojans, adware and other malicious threats. Our auditing software is implemented to identify and assess risks to private customer and company information, both on our server and on our website. Software programs are updated as stronger versions and patches become available. Data is encrypted on our server to prevent unauthorized access to personal information on laptops or other portable electronic devices. These security precautions are a part of our overall commitment to the protection of your personal information when you visit our website.
If we make updates to this Policy, we will update the Policy with the changes and revise the effective date posted at the top of this Policy. Any updates to the Policy become effective when posted to our Website. Your use of the Site following the update to the Policy means that you accept the updated Policy.
Effective Date: October 5, 2022
Date of Last Review: March 24, 2021
Frank Ciambriello, President
NMLS # 4757