Introduction
At Neighborhood Mortgage Company, we understand that trust is the foundation of any relationship. We’re committed to protecting your privacy and ensuring that your personal information is handled with care. Whether you’re navigating the home-buying process, refinancing, or simply exploring your options, we’re here to safeguard your data at every step.
This Privacy Policy explains how we collect, use, and share your information, as well as your rights regarding your data. By using our website or services, you agree to the terms outlined here. If you have any questions, we’re happy to assist.
SMS/MMS Policy
- No mobile opt-in data will be shared with third parties for marketing purposes.
- If you have opted in to receive text messages from us, you can opt out at any time by following the instructions provided in the text message or by contacting us directly. Your text messaging opt-in data and consent will not be shared with any third parties for marketing and promotional purposes.
Information we collect
We collect the following types of personal information:
- Contact Information.
Name, address, email, and phone number. - Financial Information.
Income, credit history, and banking details necessary for mortgage applications. - Identification Information.
Social Security Number (SSN), driver’s license, or other government-issued IDs. - Browsing Information.
IP address, browser type, and activity on our website.
How we use your information
We use your information to:
- Process and evaluate mortgage applications.
- Communicate updates, offers, and other relevant services.
- Comply with legal and regulatory requirements.
- Improve our website and user experience.
- We will periodically send you free newsletters and e-mails that directly promote the use of our Website or Services. When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly (please see contact information below). Despite your indicated e-mail preferences, we may send you service related communications, including notices of any updates to our Terms of Use or Privacy Policy.
Sharing your information
At Neighborhood Mortgage Company, we are committed to maintaining your trust, and part of that commitment is being transparent about your information. Your personal information is shared only in circumstances where it is necessary to provide our services, comply with legal obligations, or protect our operations. For instance, we may share your information with third-party service providers who assist us in processing your mortgage application, verifying your credit history, or facilitating communications. These partners are carefully selected and contractually obligated to use your information solely for the services they provide to us and to maintain its confidentiality.
In some cases, we may be required by law to share your information with regulatory authorities, law enforcement agencies, or courts. This could occur in response to a subpoena, legal proceeding, or other lawful requests to ensure compliance with federal or state regulations. Additionally, sharing your information may be necessary to protect our legal rights or defend against claims.
If you decide at any time that you no longer wish to accept cookies from our Service for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser’s technical information. If you do not accept cookies, however, you may not be able to use all portions of the Service or all functionality of the Service.
Finally, we may share your information with your explicit consent in situations where you authorize us to disclose it to third parties, such as co-applicants, real estate agents, or other financial institutions you wish to involve in the mortgage process. It’s important to note that we do not sell your personal information to any third parties for marketing or other purposes. We are committed to using your data responsibly and in ways that align with your expectations and our core values. We do not share any mobile information with third parties or affiliates for marketing or promotional purposes. This policy excludes text messaging originator opt-in data and consent, which will not be shared with any third parties under any circumstances.