Privacy Policy | Accurate Mortgage Group

PRIVACY POLICY

Acopia Home Loans/Accurate Mortgage Group Online Privacy Notice

Accurate Mortgage Group is a division of Acopia, LLC.

Acopia Home Loans respects your privacy. This notice sets forth the information
privacy practices of this website only. We may change this policy from time to time,
and we will post those changes on this page. Please check back periodically.

Information We Collect Through This Website
We do not attempt to collect personally identifying information from visitors to our
website without their consent. When you visit our website, our web servers
automatically record certain information and retain it in the web servers’ logs. This
information may include your IP address, domain name, browser type, date and time of
the visit and similar information. This information does not personally identify the
visitor. However, if the visitor submits an online prequalification form, that otherwise
anonymous information may be connected by us to other information that personally
identifies the visitor in order to confirm the identity of that visitor. Unless it is “nonpublic
personal information” as discussed below, we reserve the right to use and disclose this
anonymous information for any lawful purpose.

We do not knowingly collect personally identifiable information from children under the
age of 13. If such information is inadvertently or unknowingly collected, it is our policy
to destroy or delete it upon discovery.

We do not use “cookies.” A cookie is a small data file that a web server sends to your
web browser (your computer’s hard drive) so it can be later read by the web server.

If you send us an e-mail message through a contact link found on this site, we may use
your e-mail address to reply to you and to otherwise disclose it as permitted by law.
We discourage customers and other visitors from using e-mail to communicate
confidential, sensitive or nonpublic personal information because its transmission is not
secure. Transmission of information through our online prequalification form is
protected from interception (click About Security to learn more).

Our site uses an online prequalification form for visitors to request information,
products, and services. We collect visitors’ contact information (like their email
address), unique identifiers (like their Social Security number), and financial information
(like employment and income information). Contact information from the
prequalification form is used to send information to a credit reporting agency (with the
visitor’s authorization). If a credit report is completed, information provided by the
visitor is supplemented by the information received from the credit reporting agency.
The visitor’s contact information is used to get in touch with the visitor when gathering
additional information, when clarifying information, and when providing a response to
the visitor’s request. Financial information that is collected is used to check the visitor’s
qualifications. Unique identifiers (such as Social Security numbers) are collected from
website visitors to verify the visitor’s identity and to complete the preliminary screening
process.

When a visitor submits an online prequalification form, the visitor’s IP address and
Internet host name are recorded with the visitor’s information. This extra data is used
to help confirm the identity of the user

Once a visitor’s online prequalification has been reviewed, the visitor may choose to
apply for approval. When you apply we may ask for additional information via email,
telephone, facsimile or with a face-to-face interview to complete the residential loan
application.

Nonpublic Personal Information
“Nonpublic personal information” is information we receive from a consumer or collect
in connection with providing a financial product or service to a consumer. Nonpublic
personal information does not include information that is available from public sources,
such as telephone directories or government records. We collect nonpublic personal
information about consumers from the following sources:

  • Information that you provide to us on prequalifications, application or other
    forms, such as your name, Social Security number, assets, liabilities and
    income.
  • Information that you otherwise provide to us online, by email, telephone,
    facsimile, in writing, in person or by other means.
  • Certain specific information that is captured and recorded by us online in
    connection with the submission of an online prequalification form and that is
    used by us to help confirm the identity of the user, such as the user’s IP address
    and Internet host name.
  • If you enter into a transaction with us, information about your transactions with
    us, such as your loan balance, payment history, and parties to transactions.
  • If we obtain a credit report in connection with a proposed transaction,
    information we receive from the credit reporting agency, such as your
    creditworthiness and credit history.

Use and Disclosure of Nonpublic Personal Information
We collect, use and maintain nonpublic, personal information about consumers only to
provide financial products and services. We do disclose any nonpublic personal
information about consumers except as permitted by law. For example, “permitted by
law” includes, without limitation:

  • with the consumer’s consent;
  • as necessary to effect, administer, or enforce a transaction that you request;
  • to consumer reporting agencies;
  • the securitization or secondary market sale of your financial product (including
    servicing rights);
  • responding to a subpoena or court order, judicial process or government
    regulatory authority;
  • in connection with a proposed or actual sale, merger, transfer or exchange of all
    or a portion of a business or operating unit;
  • to our service providers.

We require our service providers to enter into an agreement with us that prohibits them
from using or disclosing nonpublic personal information other than to carry out the
purposes for which we disclosed the information or as otherwise permitted by law.

Former Customers
If you become our customer and later close your account or your account becomes
inactive, we will adhere to the privacy policies and practices described in this notice
with respect to your nonpublic personal information.

Confidentiality and Security of Information
We restrict access to your nonpublic personal information to those employees and
service providers who have a business need to know that information to provide
products and services to you. Our employees are bound by a code of conduct and
ethics, and are educated on the importance of confidentiality and customer privacy.
We maintain, and we require our service providers to agree to maintain, physical,
electronic and procedural safeguards that comply with federal standards to protect
your nonpublic personal information. Click About Security to learn more about the
secure transmission of information to us by our prequalification form.

Links to Other Sites
This site contains links to other sites. We are not responsible for the information
privacy or security practices of those sites, nor for their content. We cannot guarantee
that these third-party sites do not use cookies. We urge you to review the privacy and
security policies of each site you visit through the use of those links.

Contacting Us
If you have any questions or concerns about this notice or the privacy of your
nonpublic personal information generally, please contact us at: 615-859-5537 or
compliancegroup@myacopia.com.