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Privacy Policy
We are strongly committed to your right to privacy and to keeping your personal
and financial information secure. To earn your trust and confidence in our
commitment, we are fully disclosing our privacy practices and providing
independent, audited results of our policy on a quarterly basis. We encourage
you to read our policy to understand what types of personally identifiable
information we collect and how we use this information to process your requests
for our customized products and services. Although our policy applies to all
users of our site, please note that loan availability is limited to qualified
individuals on U.S. properties.
What personally identifiable information we collect and how it is used: We only collect the necessary personally identifiable information in order to respond to your requests for our customized products and services. Personally identifiable information includes, but is not limited to, first and last name, physical address, zip code, email address, phone number, birth date, and any other information that itself identifies or when tied to the above information, may identify you as a specific individual. You will be requested to provide certain personally identifiable information on the following parts of our site:
We only collect the necessary general information in order to respond to your requests for our customized products and services. When you visit our site, our systems log some basic and anonymous information about your computer for routine website maintenance, including:
When you submit a loan application, the information provided is stored in our databases and processed by our employees. An employee will contact you via telephone to confirm receipt of your online loan application and send you additional documents, via postal mail, to facilitate the funding of your loan. Our employees may also disclose certain information to our authorized agents to obtain the following services:
We are required by federal and state banking regulations to collect certain information on the online loan application. In addition, we will disclose information collected to our authorized agents in order to independently verify and process your loan application. The use of credit report information obtained by us and our authorized credit reporting agencies is governed by the federal Fair Credit Reporting Act. We will also disclose the name of the lending institution to the consumer in the loan details section of the search for rates results page. As certain aggregate information must be reported to state and federal regulatory agencies, we cannot process any requests to delete loan application information from our systems, regardless of whether the loan is funded. We provide you with the opportunity to cancel your RateWatchers™ services at any time. Ongoing improvement and compliance In an effort to enhance our site services and ensure compliance with federal and state banking regulations and internal policies, DNJ Mortgage may use outside third parties to perform quality control reviews. When you sign the Universal Residential Loan Application, you grant DNJ Mortgage permission to include your loan file in these quality reviews. By using our site, you consent to our collection and use of your information. Any changes to our policy will be reflected on this page so that you are always aware of the information we collect and how we use it. |
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