Privacy policy - Save Financial

SECURITY & PRIVACY POLICY

Save Financial, Inc. respects and protects the privacy of those who visit or use our website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted a high standard in complying with industry privacy guidelines.

By using our website, you are consenting to the use of information and agreeing to these guidelines and the other policies described on our website.

We do not share your personal information with outside companies for their promotional use without your consent.

Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we do not knowingly attempt to solicit or receive any information from children.

OUR INFORMATION USAGE PRACTICES

We want you to be confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website:

We provide you notice of our website information practices.
We tell you how and why we use online technologies.
We give you choices about how the personally identifiable information that you provide to us may be used.
We provide you the opportunity to update or correct your personally identifiable information.
We work to protect personally identifiable information from loss, misuse, or unauthorized alteration.
We provide a variety of ways for you to contact us about our information practices and other aspects of privacy.

NOTICE OF OUR WEBSITE INFORMATION PRACTICES

To maximize the value of our services, we may request information from you when you visit our websites. We do not share your personal information with outside companies for their promotional use.

Here is a description of the information we collect and how it is used:

PROTECTING YOUR IDENTITY AND CREDIT

Online Tools, Registration, and Applications: We provide many ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of interactive tools, planners, calculators, without providing us your identity. We will not ask you for personally identifiable information to use these features and do not attribute the information that you provide to you as an individual.

However, if you want to exercise one or more of the loan options presented, we will ask you to register at the site and supply other identifying and supporting information needed to process your application.

By registering, you can save information such as loan interviews and applications for later review and update. When you register, you select a member ID name by which we will know you, choose a password and provide us an Email address. You use the member ID name and password to gain access to your loan application information, financial profile, and/or customized rates. We use your contact information to provide you with alerts and updates regarding your loan status. We do not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered directly by our company. If you do not want to receive this information you may opt-out during registration, within any future communications, or by sending an email to [email protected]

We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing, and servicing your loan.

Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
Marketing Communication: We may provide you the opportunity to subscribe to email marketing communications from us. You may unsubscribe by following the instructions provided in each email communication.
Phone/Online Support: You may initiate a discussion via phone or online communication with one of our qualified support professionals to facilitate the completion of your loan application. If you volunteer personally identifiable information, it will only be used to respond to your request. We maintain transcripts of chat sessions.

We recommend that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly.

ADDITIONAL INFORMATION USAGE PRACTICES

Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our website, we may collect information that may include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance, and other information. As part of this process, you consent to our company obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on our websites and use that information as described in this policy.
Service Alerts and Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
Changes to Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we will post those changes to our website 30 days before they take effect.
Legal Disclosures: In some cases, we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.

HOW WE PROTECT YOUR PRIVATE INFORMATION

We employ industry-recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to us is protected with technology that enables encryption of your data. We use:

Secure Socket Layer (SSL): Our Web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.

We work to protect personally identifiable information stored on the site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a username, member ID name and password are required for you to use, view, or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.

HOW WE USE TECHNOLOGY

Here is how and why we use some common Web technologies to help manage our websites:

Cookies: A “cookie” is a small piece of information that our website may provide to your browser while you are at our sites. Our website supplies your browser with cookies that contain a unique identifier used to better understand website usage in the aggregate and on an individual level, so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also employ service providers to help us collect and understand our website usage data.

When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual.

If you are registered on our website, you will receive a cookie when you log in. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile.

Additionally, our service providers that serve ads on affiliate and/or advertiser Websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of our online advertising on other websites and your involvement with our company. For example, as part of an affiliate program, service providers use cookies and web beacons to determine when affiliate program members have referred a customer to our company via a link on their website. Our website would also set a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer’s personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. We may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL, and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.

If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to reset your browser to accept the cookies that we send. Otherwise, you will not be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.

If you wish to remove cookies provided by our company, please check your browser’s settings and Help section for instructions for removing cookies from your browser.

Behavioral Advertising: Please be aware that we may use third-party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.
Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow from our site. We use this data in the aggregate and on an individual level to better understand Website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications, or by sending an email to [email protected] We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
Social Media and Third-Party Website Security and Privacy Policies: Our company currently has a presence on social media to connect with and markets to the public, our customers, and potential customers. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at us through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments, or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.
Browser “Do Not Track” and Other Settings: You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, our websites do not respond to any of these signals. Our company may track your activity on these websites and use that information as provided in this policy.

YOUR CHOICE – HOW WE USE YOUR PERSONAL INFORMATION

We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close, and subsequently service your loan. For example, on occasion, we may use your contact information to send you promotional communications about our products. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call toll-free at (877) 787-7249 or send an Email to [email protected]

HOW TO UPDATE YOUR PERSONAL INFORMATION

We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting us Toll-Free at (877) 787-7249 or emailing us at [email protected]