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Privacy

 

NATIONWIDE RESIDENTIAL LENDING—PRIVACY STATEMENT

Nationwide Residential Lending respects your personal identiy and information by promoting the use of fair information practices. This privacy statement covers the site www.nrlending.com. Because this Web site wants to demonstrate its commitment to our users' privacy, it has agreed to disclose its information practices:

1. What personally identifiable information Nationwide Residential Lending collects.

2. What personally identifiable information third parties collect through the Web site.

3. What organization collects the information.

4. How Nationwide Residential Lending uses the information.

5. With whom Nationwide Residential Lending may share user information.

6. What choices are available to users regarding collection, use and distribution of the information.

7. What types of security procedures are in place to protect the loss, misuse or alteration of information under Nationwide Residential Lending control.

8. How users can correct any inaccuracies in the information.

If users have questions or concerns regarding this statement, they should first contact Nationwide Residential Lending by email. If they do not receive acknowledgment of their inquiry or their inquiry is not satisfactorily addressed, they should then contact Nationwide Residential Lending via telephone or by U.S. Mail.

Information Collection and Use

Information Collection
Nationwide Residential Lending is the sole owner of the information collected on www.nrlending.com. Nationwide Residential Lending collects information from our users at several different points on our Web site.

Application
We request information from the user on our application form. A user must provide contact information (such as name, email, and shipping address) and financial information (such as existing loan numbers, amounts). This information is used for credit inquiry purposes and to fill customer's requests for loan fulfilment. If we have trouble processing an application, the information is used to contact the user.

Information Use
This web site employs Secure Sockets Layer (SSL) to encrypt information being entered on forms. This encryption process makes it extremely difficult for anyone to intercept and read information between your computer (the client) and the server to which you are making a connection. SSL uses a technique called public-key encryption, where each side of the transaction has a shared public key, and a private key that is not shared. Data encrypted with the public key can only be decrypted with the private key. Each side encrypts its data with the remote end's public key, so that only that destination, and no intermediary, can decrypt the transmission and access the data.

By submitting any information online, you authorize Nationwide Residential Lending to check such things as credit, business and employment status and histories. We are concerned with protecting your privacy; the information we gather from you will only be used in manners consistent with the loan process. We will not sell, trade or give away your information to mailing lists or other third parties that are not involved with the loan process.

Profile
We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users that details their viewing preferences. Consequently, collected information is tied to the users personally identifiable information to provide offers and improve the content of the site for the user. This profile is used to tailor a user's visit to our Web site, and to direct pertinent marketing promotions to them. We do not share your profile with other third parties. We reserve the right to collect and use aggregated, anonymous data about our users as a group for statistical, advertising, or other purposes.

Cookies
A cookie is a piece of data stored on the user's computer tied to information about the user. We do not, at present, use cookies on our site.

Third Party Advertising
We do not, at present, have third party advertising on our site.

Log Files
Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Site

Special Offers and Updates
We may send all new members a welcoming email. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.

Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone, in accordance with the users wishes.

Sharing

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Aggregate Information (non-personally identifiable)
We reserve the right to collect and use aggregated, anonymous data about our users as a group for statistical, advertising, or other purposes.

Choice/Opt-out
Users who no longer wish to receive our promotional communications may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email or email us at donharman@nrlending.com.

Security
This Web site takes every precaution to protect our users' information. When users submit sensitive information via the Web site, their information is protected both online and off-line.

When our application form asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just 'surfing'.

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every six months, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users' information is protected. Finally, the servers that store personally identifiable information are in a secure environment.

If users have any questions about the security at our Web site, users can send an email to donharman@nrlending.com.

Supplementation of Information
In order for this Web site to properly fulfill its obligation to users it is necessary for us to supplement the information we receive with information from 3rd party sources.

Credit Check
For example, to determine if users qualify for one of our mortgage loans, we use their name and social security number to request a credit report. Once we determine a user's credit-worthiness, this document is maintained in accordance with generally accepted accounting principles.

Correcting/Updating/Deleting/Deactivating Personal Information
If a user's personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct, update or delete/deactivate users' personally identifiable information. This can usually be done by emailing our Customer Support at donharman@nrlending.com, or contact us by telephone or postal mail at the contact information listed below.

Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Contact Information
If users have any questions or suggestions regarding our privacy policy, please contact us at:

Phone: 925-426-4600
Email: donharman@nrlending.com
Postal Address:

Nationwide Residential Lending, Inc.
8167 Regency Dr
Pleasanton, California 94588

 

 

Nationwide Residential Lending, Inc.
7041 Koll Center Parkway, Suite 210
Pleasanton, California 94566
925-426-4600

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