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| Privacy Statement |
| At Coldwater Canyon, respecting the privacy of your
personal information is important to us. Please read this Privacy
Policy carefully. It is designed to inform you of the types of information
we collect, how we use that information, and the circumstances under
which we will share it among our affiliated companies and with nonaffiliated
third parties. |
| Collection of Information |
We collect nonpublic personal information about
you from the following sources:
- From you, on forms, via the Internet, by telephone or otherwise.
This information includes, but is not limited to, your name, address,
social security number, credit history, employment, and debt and
asset information.
- From transactions with us, our affiliates or with others. For
example, your payment histories, account balances, and other transaction
records.
- From credit reporting agencies, such as information relating
to your creditworthiness, your credit score and credit usage.
- From third parties to verify information you have given us.
While visiting our site, we track your computer’s IP address,
which provides anonymous usage information such as which pages are
visited most frequently, and in what order you visit our pages.
We use this information to constantly improve your user experience.
Additionally, we track what browser (i.e. Internet Explorer) you're
using to address any compatibility issues.
There are several functions on our site that allow you to opt-in
to receive emails from us. Once you’ve chosen to be updated
by our emails, you can opt-out at any time simply by replying to
our emails with a note to remove you from this service or by choosing
our remove feature available on the site. |
| Information Sharing |
We may share all the information that we collect,
as described above, with those parties who are directly involved
with the loan process such as investor underwriters, appraisers
and escrow/title companies for the following purposes:
- To provide you with the products and services you have requested.
- To offer you additional products and services, from us or from
others, that may be of interest to you.
- To comply with reporting and other legal requirements.
- To otherwise conduct business.
- We will never sell your personal information to anyone.
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| Security Statement |
| At Coldwater Canyon, security is a priority and we
are committed to protecting your information. Please read this Security
Policy carefully. It is designed to inform you of the safeguarding
of information, how we transmit that information, and how we protect
your data. |
| Safeguarding Customer Information |
| We only grant access to nonpublic personal information
about you to employees and service providers so that they can provide
or offer products or services to you, process and service your accounts,
and administer business. Our Code of Conduct requires that your information
remain confidential. Even if you are no longer our customer, we will
continue to treat your nonpublic personal information in the same
way as if you were still a customer. In addition, we maintain physical,
electronic and procedural safeguards that comply with federal standards
to guard this personal information. |
| Internet Protection |
| The only information we collect is from “cookies”
or other similar devices, which provide a “User ID”,
such as the date, time and areas of our websites that were visited.
This general information enables us to serve consumers better by
continually improving our websites and making them more convenient.
Only when a borrower is ready for one of our products or services
do we ask for identifying information.
The following security features keep borrower data safe:
- 128-bit encryption and authentication technologies
- Website design that blocks or limits online display of customer
information when not necessary to the transaction
- IDs and passwords to protect sensitive information
- All data is protected by a firewall which prevents unauthorized
access to your data.
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