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Privacy Policy

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Your Information Is Secure

YOUR PRIVACY IS IMPORTANT TO US: You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively. We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask you to please read the following information carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers. When we use the words "you", "your" and "them" we mean the following types of customers:

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): 

    • Mortgage brokerage services

We will tell you the sources for nonpublic personal information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. We first define some terms.

    Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available form public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

    An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

    A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

    Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT: We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with our affiliates Information about your transactions with nonaffiliated third parties Information from a consumer reporting agency Information from our website.

  • Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION: We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES: We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:

  • Information about your transactions with us, such as

    • Name Address

    • Types of accounts

    Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

    Types of Affiliates: We may disclose nonpublic personal information about you to the following types of affiliates:

    • Financial service providers, such as

      • Bankers Mortgage bankers Securities broker-dealers

      • Insurance companies

    Reasons for Disclosure: We may disclose information about you to our affiliates to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.

    Limitations on Disclosure: Here are the limits we impose on the use of information disclosed to affiliates:

    • We only allow direct mail solicitations.

    • We do not allow telephone solicitations.

    Future Affiliate Disclosure: We also reserve the right to disclose the following additional information about you to our affiliates in the future:

      Transaction and experience information from our account records:

      • Information about your transactions and experience with us, such as:  

        • Transaction history

    Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

    Other information not taken from transactions and experience:

    • Information you give us on an application or other forms, such as:

      • Social Security Number Assets Income

      • Age

      Information about your transactions with other parties, such as:

      • Credit card usage

    • Information we receive from a credit reporting agency, such as:

      • Credit worthiness

      • Credit history

    You may opt out of the disclosure of the information listed above.

    We may disclose this information with the affiliates listed under the heading Types of Affiliates. YOUR INFORMATION AND OTHER PARTIES: We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. INFORMATION ABOUT FORMER CUSTOMERS: We do not disclose information about former customers, except as permitted by law. AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES: We may disclose the following information to companies that perform marketing services on our behalf:

    • Information we receive from you on an application or other forms, such as:

      • Name

      • Address

    • Information about your transactions with us, such as

      • Types of accounts Parties on the account Appraisal amounts

      • Dates of loans

    We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

    Types of Businesses: Here are the types of businesses with whom we may disclose information for outside marketing purposes:

    • Service providers that perform marketing services for us

      • Direct mail marketers

    Reasons For Disclosing: We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about existing and/or additional products and services that may be financially beneficial to you. Limitations on Disclosure: Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

    • We only allow direct mail solicitations.

    • We do not allow telephone solicitations.

    Internet Privacy

    When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do collect identifying information about visitors to our site, we use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and determine which pages and features are most popular. The only information we normally collect and store is:

    • The name of your Internet service provider; The web site that referred you to us (if any); The date and the time the pages were accessed; and,

    • The page or pages you requested.

    There are instances where you may elect to provide us with personal information. If you fill out one of our feedback forms, or send us an e-mail address; you are transmitting the information that appears to you in the form or the message. Typically included are your name, address, e-mail address, the kind of request you are making and other information necessary to fulfill your request. The information cannot be collected unless you send it to us and it is always at your option. This information is used internally for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

    When you submit personally identifying information via one of our feedback or application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted to our website. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us e-mail, but only when you use your web browser with one of our site's forms. Our website is not targeted or marketed to children.

    YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

    Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information. Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will be share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:

    • Call this toll free number: xxxxxxxx  during the hours of 9:00 AM to 5:00 PM Monday through Friday Eastern Standerd Time.

    • Come in and see us personally.

     
    Please send us an e-mail and thank you for visiting our web site.
     
    Ernest Gonzalez
    Licensed Mortgage Broker
    Branch Manager 
    Banc Plus Home Mortgage Center
    Office:786-499-9012

    egbancplus@yahoo.com

     
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