Protecting Our Customers' Privacy
Residential Mortgage Group ("RMG") places the highest priority on safeguarding the financial information provided by our customers. We recognize the sensitive nature of your information and take every precaution to keep your information confidential. You have entrusted our company with your information and have a right to expect the information you provide will be accessible only to those who must know the information in order to serve your needs. You also have a right to expect this information will only be used in an appropriate business manner. This policy describes the privacy practices of RMG and is being provided to you as required by the Federal Financial Privacy Law. It also describes how we collect and use information on this website, and the choices that you can make about the way your information is collected and used. So that this policy is easy to find, we make it available via a link at the bottom of our home page. By providing the information requested by our online forms and by continuing to use this website after having had an opportunity to review this policy, you have consented to our use of the information it collects as described at the point of collection or in this policy. We reserve the right to review and revise this policy from time to time without giving you prior notice. For this reason, we encourage you to review this policy whenever you use this website. Your use of the website following any such modification constitutes your agreement to follow and be found by the policy as modified. The last date of modification is set forth below.
What type of information do we collect?
We collect nonpublic personal information only to provide services requested by our customers, that we believe will help us to meet your financial needs, or is allowed by law. For your mortgage loan we collect information regarding your banking relationships, employment status, income, monthly expenses, assets and liabilities from your application and other forms you have provided us.
Where do we collect information about you?
We collect nonpublic personal information about you from the following sources:
Information
we receive from you on applications or other forms, including electronic and
internet communications;
Information about your transactions with us, our affiliates, or others; and
Information we receive from a consumer reporting agency.
This information is only used to handle your request for specific services. We do not collect information about you from third parties without a valid reason.
Why do we use this information?
The information we collect is used to underwrite your mortgage loan and to
provide financial services you may need.
Who has access to this information?
We restrict access to nonpublic personal information about you to employees
who need to know that information to provide products or services to you and
perform
their jobs. We have developed specific policies and procedures to make sure
our employees do not disclose unauthorized information or use our customers'
information inappropriately. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard your nonpublic personal
information.
What type of information may we disclose?
We may disclose the following kinds of nonpublic personal information:
Information
we receive from you on applications or other forms, such as your name, address,
social security number, assets, income and employer;
Transaction information such as your account balance, payment history, parties
to the transactions, and debit card usage.
To whom do we disclose this information?
We may disclose nonpublic personal information about you to the following
types of third parties:
Our affiliates;
Non-financial companies, such as insurance companies, title companies, appraisers,
and processors so that together we can provide you the mortgage
loan that you've requested;
Companies that perform marketing services on our behalf or to other financial
companies with whom we have joint marketing agreements.
All of those
companies that act on our behalf are contractually obligated to keep information
that we provide to them confidential, and use the information only to
provide services we have asked them to perform for you and us.
We may also disclose nonpublic personal information to nonaffiliated third parties as permitted by law.
We do not
sell our customer information to anyone or any company. We do not share your
information with nonaffiliated third parties for their independent use. We
do report the credit history of your transactions with us to the appropriate
credit reporting agencies.
We will also provide information if:
You request
that we do so;
We are required by law to provide requested information (i.e., subpoena, investigation
of fraudulent activity); or,
You have been informed about the possibility of our disclosure of your name,
address, and phone number for the purposes of marketing a product we
believe would be useful to you.
We will not
disclose nonpublic personal information about former customers two years after
they cease to be our customers, except as permitted by law. For the first
two years, however, we may use this information in the same manner and extent
as we do with current customers.
How do we
safeguard our customers' information?
We provide our employees with specific policies and procedures for maintaining
the confidentiality of your records, how and when the information would be
used,
how to handle external requests for information and how to handle customer
information when they have received a legal request.
If we use
companies to provide transaction services for our customers, we provide only
the information necessary to complete the transaction. In addition we obtain,
in writing, their agreement to maintain this information solely for this purpose
and according to our stated privacy policies.
Cookies and IP Addresses
Cookies are
small files placed on your computer hard drive by programs and web servers.
The use of cookies is a standard practice in the Internet industry. In order
to function properly, this web site requires that you allow us to place cookies
on your computer when you access and use the web site. If you have cookies
turned
off, you will not be able to use all the functionality of this web site. For
your protection, we use security cookies to authenticate the identities of
web site users. We
also use cookies to customize and improve our users' experience on the web
site.
An Internet
protocol ("IP") address is a set of numbers that is automatically
assigned to your computer when you access the Internet. Web servers identify
your
computer by the IP address assigned to it during your online session. We.
may use the IP addresses of our users to help diagnose problems with our servers
and to
administer the web site.
We may also
use cookies and/or IP addresses to measure certain traffic patterns, such
as which areas of the web site you have visited. We may use this information
to personalize the content that you and other users will see on the web site.
Public Forums
Our web site
may make chat rooms, forums, message boards, and/or news groups ("Public
Areas") available to our users. Please remember that any information
that
you disclose in these Public Areas will become known to others who access
such Public Areas. Please carefully review any supplemental terms provided
by RMG.
in connection with your use of such Public Areas. Your use of the Public Areas
after having had an opportunity to review the applicable supplemental terms
constitutes your consent and acceptance of such supplemental terms.
If you send
us email, we will share that email with our customer service representative
or other employee who is best suited to respond to your inquiry. Once we
have done our best to respond to your communication, we will either discard
your email or, in certain instances, archive it.
Please note
that the email functions on our web site do not provide for completely secure
and private communications. For example, as most email communications
are not encrypted, such email messages may be accessed and viewed by other
Internet users, without your knowledge and permission, while in transit to
us.
Our Commitment To Data Security
To prevent
unauthorized access, maintain data integrity, and ensure the correct use of
information, we have put in place physical, electronic, and managerial
procedures to safeguard and secure the information we collect. Please be aware,
however, that no Internet-based computer system can be considered 100% safe
from intrusion. By accessing and using this web site, you agree that you,
and not we shall bear the risk of any use or misuse of your information that
is obtained by
"hacking" or other nefarious means.
Links To Other Web Sites
You may find
links to other web sites on our web site. We provide such links for your convenience,
however, we cannot guarantee that any of the web sites you may
find links to from within our web site adhere to the same privacy guidelines
that we do. We suggest that you check the privacy policy of any web site you
access
from within our web site to ensure your information receives the same safeguards
that we provide.
Disclaimer of Liability
Under no
circumstances shall RMG be liable for any damages, including, but not limited
to, special, incidental, consequential or exemplary damages, that result from
the use of this web site, or the information or materials posted to or collected
as a result of accessing this web site, even if RMG has been advised of the
possibility of
such damages.
How To Access Or Correct The Information You Provide, And How To Contact Us
You can access the information you provide to us, or you can correct factual errors, by
1.sending
us your request via email addressed to info@rmgmn.com,
2.phoning us at: 952-593-1169, or
3.writing us at: Residential Mortgage Group, 11100 Wayzata Blvd., Suite 570, Minnetonka, MN 55305
Opt Out Right
We do not
disclose nonpublic personal information about you to nonaffiliated third parties
other than disclosures permitted by law. If we change our policy in the
future, we will provide you with the required opportunity to opt out prior
to disclosing your nonpublic personal information.
We truly
value and respect your privacy. You can be assured we will continue to safeguard
your information. Thank you for the trust you have placed with
Residential Mortgage Group.
Last Modified: June 29, 2001
Residential
Mortgage Group ("RMG") places the highest priority on safeguarding
the financial information provided by our customers. We recognize the
sensitive nature of your information and take every precaution to keep your
information confidential. You have entrusted our company with your information
and have
a right to expect the information you provide will be accessible only to those
who must know the information in order to serve your needs. You also have
a right to
expect this information will only be used in an appropriate business manner.
This policy describes the privacy practices of RMG and is being provided to
you as
required by the Federal Financial Privacy Law. It also describes how we collect
and use information on this website, and the choices that you can make about
the
way your information is collected and used. So that this policy is easy to
find, we make it available via a link at the bottom of our home page. By providing
the
information requested by our online forms and by continuing to use this website
after having had an opportunity to review this policy, you have consented
to our use
of the information it collects as described at the point of collection or
in this policy. We reserve the right to review and revise this policy from
time to time without
giving you prior notice. For this reason, we encourage you to review this
policy whenever you use this website. Your use of the website following any
such
modification constitutes your agreement to follow and be found by the policy
as modified. The last date of modification is set forth below.
What type
of information do we collect? We collect nonpublic personal information only
to provide services requested by our customers, that we believe will help
us to meet your financial needs, or is allowed by law. For your mortgage loan
we collect information regarding your banking relationships, employment status,
income, monthly expenses, assets and liabilities from your application and
other forms you have provided us.
Where do
we collect information about you?
We collect nonpublic personal information about you from the following sources:
Information
we receive from you on applications or other forms, including electronic and
internet communications;
Information about your transactions with us, our affiliates, or others; and
Information we receive from a consumer reporting agency.
This information is only used to handle your request for specific services. We do not collect information about you from third parties without a valid reason.
Why do we
use this information?
The information we collect is used to underwrite your mortgage loan and to
provide financial services you may need.
Who has access
to this information?
We restrict access to nonpublic personal information about you to employees
who need to know that information to provide products or services to you and
perform
their jobs. We have developed specific policies and procedures to make sure
our employees do not disclose unauthorized information or use our customers'
information inappropriately. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard your nonpublic personal
information.
What type
of information may we disclose?
We may disclose the following kinds of nonpublic personal information:
Information
we receive from you on applications or other forms, such as your name, address,
social security number, assets, income and employer;
Transaction information such as your account balance, payment history, parties
to the transactions, and debit card usage.
To whom do
we disclose this information?
We may disclose nonpublic personal information about you to the following
types of third parties:
Our affiliates;
Non-financial companies, such as insurance companies, title companies, appraisers,
and processors so that together we can provide you the mortgage
loan that you've requested;
Companies that perform marketing services on our behalf or to other financial
companies with whom we have joint marketing agreements.
All of those
companies that act on our behalf are contractually obligated to keep information
that we provide to them confidential, and use the information only to
provide services we have asked them to perform for you and us.
We may also disclose nonpublic personal information to nonaffiliated third parties as permitted by law.
We do not
sell our customer information to anyone or any company. We do not share your
information with nonaffiliated third parties for their independent use. We
do report the credit history of your transactions with us to the appropriate
credit reporting agencies.
We will also provide information if:
You request
that we do so;
We are required by law to provide requested information (i.e., subpoena, investigation
of fraudulent activity); or,
You have been informed about the possibility of our disclosure of your name,
address, and phone number for the purposes of marketing a product we
believe would be useful to you.
We will not
disclose nonpublic personal information about former customers two years after
they cease to be our customers, except as permitted by law. For the first
two years, however, we may use this information in the same manner and extent
as we do with current customers.
How do we
safeguard our customers' information?
We provide our employees with specific policies and procedures for maintaining
the confidentiality of your records, how and when the information would be
used,
how to handle external requests for information and how to handle customer
information when they have received a legal request.
If we use
companies to provide transaction services for our customers, we provide only
the information necessary to complete the transaction. In addition we obtain,
in writing, their agreement to maintain this information solely for this purpose
and according to our stated privacy policies.
Cookies and IP Addresses
Cookies are
small files placed on your computer hard drive by programs and web servers.
The use of cookies is a standard practice in the Internet industry. In order
to function properly, this web site requires that you allow us to place cookies
on your computer when you access and use the web site. If you have cookies
turned
off, you will not be able to use all the functionality of this web site. For
your protection, we use security cookies to authenticate the identities of
web site users. We
also use cookies to customize and improve our users' experience on the web
site.
An Internet
protocol ("IP") address is a set of numbers that is automatically
assigned to your computer when you access the Internet. Web servers identify
your
computer by the IP address assigned to it during your online session. We.
may use the IP addresses of our users to help diagnose problems with our servers
and to
administer the web site.
We may also
use cookies and/or IP addresses to measure certain traffic patterns, such
as which areas of the web site you have visited. We may use this information
to personalize the content that you and other users will see on the web site.
Public Forums
Our web site
may make chat rooms, forums, message boards, and/or news groups ("Public
Areas") available to our users. Please remember that any information
that
you disclose in these Public Areas will become known to others who access
such Public Areas. Please carefully review any supplemental terms provided
by RMG.
in connection with your use of such Public Areas. Your use of the Public Areas
after having had an opportunity to review the applicable supplemental terms
constitutes your consent and acceptance of such supplemental terms.
If you send
us email, we will share that email with our customer service representative
or other employee who is best suited to respond to your inquiry. Once we
have done our best to respond to your communication, we will either discard
your email or, in certain instances, archive it.
Please note
that the email functions on our web site do not provide for completely secure
and private communications. For example, as most email communications
are not encrypted, such email messages may be accessed and viewed by other
Internet users, without your knowledge and permission, while in transit to
us.
Our Commitment To Data Security
To prevent
unauthorized access, maintain data integrity, and ensure the correct use of
information, we have put in place physical, electronic, and managerial
procedures to safeguard and secure the information we collect. Please be aware,
however, that no Internet-based computer system can be considered 100% safe
from intrusion. By accessing and using this web site, you agree that you,
and not we shall bear the risk of any use or misuse of your information that
is obtained by
"hacking" or other nefarious means.
Links To Other Web Sites
You may find
links to other web sites on our web site. We provide such links for your convenience,
however, we cannot guarantee that any of the web sites you may
find links to from within our web site adhere to the same privacy guidelines
that we do. We suggest that you check the privacy policy of any web site you
access
from within our web site to ensure your information receives the same safeguards
that we provide.
Disclaimer of Liability
Under no
circumstances shall RMG be liable for any damages, including, but not limited
to, special, incidental, consequential or exemplary damages, that result from
the use of this web site, or the information or materials posted to or collected
as a result of accessing this web site, even if RMG has been advised of the
possibility of
such damages.
How To Access Or Correct The Information You Provide, And How To Contact Us
You can access the information you provide to us, or you can correct factual errors, by
1.sending
us your request via email addressed to info@rmgmn.com,
2.phoning us at: 952-593-1169, or
3.writing us at: Residential Mortgage Group, 11100 Wayzata Blvd., Suite 570, Minnetonka, MN 55305
Opt Out Right
We do not
disclose nonpublic personal information about you to nonaffiliated third parties
other than disclosures permitted by law. If we change our policy in the
future, we will provide you with the required opportunity to opt out prior
to disclosing your nonpublic personal information.
We truly
value and respect your privacy. You can be assured we will continue to safeguard
your information. Thank you for the trust you have placed with
Residential Mortgage Group.
Last Modified: June 29, 2001