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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
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