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Privacy Policy

 

We at Sunbelt Lending Services, Inc. and the family of companies at PHH Corporation (referred to as "Sunbelt Lending Services," "we," "us," or "our") recognize the importance of protecting the privacy of certain information collected about our customers and prospective customers (referred to as "Customers," "you" or "your"). This privacy statement discloses what information we gather, how we use it, and how we share it with others. It is our intention to give you an understanding about how we collect your information and the use we make of it in the course of our business.

We generally gather two types of information about Customers: personally identifiable data that Customers provide through optional, voluntary use and registration on our sites; and data we gather through aggregated tracking, mainly by tallying page views throughout our sites.

How does Sunbelt Lending Services collect Information?

Optional registration

We collect information by specifically requesting it from you. Generally this occurs when you register at a site or request information or a service. Usually, our site and our service partners’ sites use your information to operate the sites and to deliver value-added services to you. Our site also uses your information to inform you about other products or services available from us.

The information we collect about you may come from any or all of the following sources:
Information from you based on completed applications, other forms and other communications with us (this information may include your name, address, social security number, assets, liabilities and income);

  1. Information from you based on completed applications, other forms and other communications with us (this information may include your name, address, social security number, assets, liabilities and income);
  2. As a result of your transactions with us, with our and with other businesses (this information may include your loan approval amount, loan balance, payment history, and other loan account information);
  3. From providers of services to us, such as appraisers, appraisal management companies, real estate agents and brokers, and insurance agencies (this information may include the appraised value, purchase price and other details about the property securing your loan); AND
  4. From consumer reports (this information may include your credit and employment history, credit score and other credit information).

Aggregated Usage tracking

Aggregated usage tracking is conducted through the use of Internet Protocol addresses and cookies, as described below. Such information enables us to tailor our content to fit Customer’s needs better and to help our advertisers understand our audience.

Use of Internet Protocol ("IP") Addresses

An IP address is a unique number that is automatically assigned to your computer whenever you're surfing the Internet so that your computer can be identified by the main computers, known as "Web servers," that "serve up" Web pages.

Sunbelt Lending Services collects IP addresses for the purposes of system administration, to report aggregated information to our advertisers, and to audit the use of our site. When Customers request pages from Sunbelt Lending Services, our servers log the Customers' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a Customer's session will be logged, but the Customer will remain anonymous to us. We can and will use IP addresses to identify a Customer when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, customers or others.

Use of Cookies

What are cookies? Cookies are small pieces of information that a Web site sends to your computer for record-keeping purposes; this information is stored in a file on your computer. Cookies make Web-surfing easier for you by saving your preferences so that we can use the saved information to facilitate your use of our Web site when you return to the site. Our use of cookies does not tell us your individual identity. We never save passwords, social security numbers or credit card information in cookies. The use of cookies is an industry standard, and as such, you'll find that most major Web sites use them. Cookies are used to recognize you when you visit our site more than once so that information doesn't have to be repeatedly gathered. We do not store any of your personal information with cookies.

You can delete your cookie file at any time. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, note that the site may not function properly if you refuse cookies. For example, without cookies, you will not be able to set personalized preferences, and/or may have difficulty completing marketing transactions.

You may occasionally get cookies from our partners. Sunbelt Lending does not control these cookies. The use of cookies sent by third-party servers is standard in the Internet industry.

Disclosure for California users: PHH and other parties not affiliated with us may collect personally identifiable information about your online activities over time and across different websites when you use our website or the services offered on our website. We do not have any protocol that offers you the choice to opt-out of internet tracking.  You may reset your web browser to disable do not track signals if your web browser supports such functionality.  If you have any questions regarding our internet tracking methods please email us at digitalmedia@phh.com.  

With whom does Sunbelt Lending Services share my Information?

As a visitor and user of our Web site, you may be asked to provide nonpublic personal information such as your name, address, assets, income, social security number, credit information, email address and other personal information. As a visitor and user of our Web site and during your loan application process, you are considered a "consumer" under applicable federal law.

We do not share your confidential information with any affiliated company or any third party except as is necessary to provide you the financial product or service you have requested. The affiliates with which your information may be shared are Coldwell Banker Residential Real Estate, Inc. and Sunbelt Title Agency. Examples of non-affiliated third parties to whom we might make disclosure are mortgage lenders, title companies or companies working in furtherance of your transaction. Before any such disclosure is made, you will be asked to authorize this sharing of information. This authorization may be part of an application form you fill out at an initial meeting with Sunbelt Lending Services, Inc.

Once the product or service you have requested has been provided, and your confidential information has been archived, we make no further use of it. We do not use it for further marketing of our goods or services; we do not sell or otherwise provide it to third parties for any purpose.

We are allowed to share your information without your permission in a limited number of situations. Individuals or entities providing services to us may view your information. For example, our accountants may review files to audit our books and records. We may (and sometimes must) provide information to governmental entities, for example, in order to record deeds and mortgages, provide state and federal tax information or respond to court orders.

Sunbelt Lending Services may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating the terms of use or terms of service of Sunbelt Lending Services, or may be causing injury to or interference (either intentionally or unintentionally) with any rights or property of Sunbelt Lending Services, other Sunbelt Lending Services Customers, or anyone else. Under these circumstances, we may disclose or access account information when the law requires it or permits it.

What happens when you link to a third party site?

You should be aware that when you are on sites for Sunbelt Lending Services you could hyperlink or be directed to other sites that are beyond our control and/or outside our service. For example, if you "click" on a banner advertisement, the "click" may transfer you off the Sunbelt Lending Services site. These other sites may include sites of advertisers, sponsors and partners that may use the logo of Sunbelt Lending Services as part of a co-branding agreement. These other sites may send their own cookies to Customers, collect data, or solicit information.

Sunbelt Lending Services does not control such sites, and, therefore, is not responsible for their contents or the hyperlinks or advertising they choose to place on such sites. The inclusion of hyperlinks to these sites by Sunbelt Lending Services does not imply any endorsement of the material on such sites or any association with their operators. The policy of Sunbelt Lending Services does not extend to anything that is inherent in the operation of the Internet, which is beyond the control of Sunbelt Lending Services.

Please keep in mind that whenever you give out information online (for example, via message boards or chat) that information can be collected and used by people you don't know. While Sunbelt Lending Services strives to protect their Customers' information and privacy, we cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.

Is my Information secure from others using the Sunbelt Lending Services site?

The security of all information associated with our Customers is an important concern to us, so Sunbelt Lending Services employs industry best practices and complies with federal regulations in regard to web based services and confidentiality of customer data. All Internet based communications with us have been designed to protect the information sent to and from our Website from unauthorized access or interception. This protection is offered through RSA®, a leading online authentication service. Our controls include strong user authentication and encryption via SSL (Secure Sockets Layer) protocols on all pages/sites where any Personally Identifiable Information is provided or displayed.

RSA's® service is designed to verify that you are in fact communicating with us, and not another (imposter) Web site. When you enter a secure area of our Website (an area in which you record and transmit personal information to us) the URL address will begin with the letters https:// instead of the normal http:// URL address. The additional "s" means that your computer's security features have automatically requested a digital certificate (similar to an "on-line signature") from RSA®.

All information sent via our Internet site is encrypted, or coded, before being transferred and it is then "unlocked" and decoded once it has been safely received at its legitimate destination. This is designed to prohibit anyone from being able to intercept and read the information while it is on the way from you to us or from us to you.

We exercise care in providing secure transmission of your information from your computer to our servers. We restrict access to information about you to those employees or others who need to know that information to provide information, products or services to you. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, Sunbelt Lending Services cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk.

YOUR ACCEPTANCE OF THIS POLICY
By using this site, you signify your agreement to the Privacy Policy of Sunbelt Lending Services. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS SITE. Your continued use of Sunbelt Lending Services sites following the posting of changes to these terms will mean you accept those changes.

Sunbelt Lending Services
300 S Park Place Blvd. Ste. 150, Clearwater, FL  33759
Toll Free:  (888) 355-6260
Info@SunbeltLending.com
Copyright © 2014 Sunbelt Lending Services
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