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Privacy
Notice
Summary
I respect
your privacy and will only use the personal information you
submit on this website to contact you, service your account,
or send you information related to your inquiry. None of the
information you provide will be sold, given, or rented to
anyone without your permission.
PickeringGroup.com
respects the privacy and rights of its visitors. No effort
is made to identify individuals without their knowledge.
Your Privacy is Important
My goal is to provide you with
the most valuable and professional service in the mortgage
business and to keep you as a customer for as long as you
have mortgage lending needs. I understand that protecting
your privacy is important. It is my obligation to keep all
information about you secure and confidential. That is why
I have established a Privacy Policy that protects the security
of any public and nonpublic personal and financial information
you provide to me. Below, I have outlined my security practices
with regard to protecting all of your personal and financial
information.
Information We Collect and
Disclose
I collect, retain, and use only the personal information that
is absolutely necessary to process your mortgage loan or to
provide a service to you. I may disclose personal information
about you to a carefully selected group of service providers
and third parties that assist us in the mortgage loan process.
These parties include, but are not limited to, licensed credit
reporting agencies, federal and state regulators, and payment
coupon booklet vendors. I may also partner with and disclose
information to unaffiliated third parties who offer ancillary
products and services that we think may be of value to you.
Before I disclose your information to them, I require these
partners to adhere to strict standards regarding the security
and confidentiality of customer information. In addition,
I may disclose information to real estate agents and/or home
builders who are part of the loan transaction process. This
data will include your name, address, the status of your loan,
your loan number, loan amount and loan type. We will not disclose
your income or credit information or your social security
number. Finally, we may disclose information about you as
required by law. Specifically, we collect and disclose: information
we receive from you on your loan application or other forms,
such as your name, address and social security number; information
about your past mortgage history with us or other lenders
(such as your loan balance and payment history); and information
we receive from a credit reporting agency, such as your creditworthiness
and credit history. While we collect information about your
income and assets, we only disclose this data to third parties
who must have it for the loan decision-making process, such
as investors (like Fannie Mae and Freddie Mac) and mortgage
insurance companies.
Research, Deveopment and Statistics
When a visitor requests pages from the PickeringGroup.com
site, our Web servers automatically log the browser's domain
name, and IP address. This information is collected solely
for statistical purposes. This data is not used to: identify
individuals; tailor or modify the content to a specific individual;
or evaluate, target, profile or contact the individual.
Cookies
To count the number of visitors to our website, we my send
a cookie to our visitors' computer. This information is not
used to identify individuals. The cookie works in the following
manner:
Basically the first time someone
visits PickeringGroup.com they are considered a unique visitor.
Then a tiny cookie with no personally identifiable information
(just a unique number identifying this website and a simple
variable) is created.
If that visitor session stays active,
by the visitor visiting this website again and again before
the session time expires then those visits won't be counted
as a unique visitor again. But if the session time has expired,
they are counted as a unique visitor again and a new session
is created.
Why You Can Feel Secure
I will not sell email lists or
customer lists to third parties. I do not disclose any personal
information about our former customers to anyone, except as
permitted or required by law. Keeping your financial information
secure is one of my most important responsibilities. I will
permit access to personal information about you only to those
employees of The Pickering Group and American Home Mortgage
who need to know that information in order to process and
service your mortgage loan. These employees are committed
to keeping your personal information safe and secure. We strive
to maintain the accuracy of your information and will respond
in a timely manner if you notify us that your information
is not correct. We have implemented administrative, technical
and physical safeguards to protect your information. These
include setting policies and procedures for carefully handling
customer data.
Providing
Visitors with Anonymous Access
You can access our Web site home page
and browse our site without disclosing your personal data.
Data Collection
and Purpose Specification
We collect the personal data
that you may volunteer while using our services. In
the course of processing your loan, we may also collect
information about you from other sources, such as public
records or bodies, or private organisations.
Children's Privacy
We do not knowingly collect
personal data from children. We
do not take specific steps to protect the privacy of children
who disclose their personal data to us. We
do not provide information about our personal data practices
in relation to children on our home page, or at those sites
on our Web site where we collect personal data.
Privacy
Support
If you have an inquiry
or concern about our privacy policy, please email my Privacy
Officer.
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Licensed Mortgage Banker and/or Authorized Lender in all 50 states and
the District of Columbia