734.506.6300At Mortgage 1, Incorporated, your trust and the security of your information is very important to us. This Privacy Policy explains what we do to protect and maintain your information and to let you know how you can limit the information that we share with others.
“Site” refers to this Internet web site (m1downriver.com) and its related services. “You” or “User” refers to a registered user of this Site. “Mortgage 1, Incorporated” or “We” or “Mortgage 1, Downriver” refers to Mortgage 1, Incorporated.
This Site contains links to other sites
Mortgage 1, Incorporated is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.
The Work Space
We collect nonpublic personal information about You, including:
- Information We receive from you on applications, online registrations or other forms (such as your name, address, phone, fax, email address, street address, assets, income, debt and more)
- Information about your transactions with us, our affiliates or others (such as account balance, transaction history or information about our communications with you).
- Information about your creditworthiness, credit history and other facts about you that We obtain from consumer reporting agencies or from providers of marketing and demographic information.
- Information about your employment, employment history, your past real estate transactions, your property insurance coverage and more.
- We are required by law to verify the information that you provide to us but We greatly appreciate your honesty in accurately representing your financial information, history and ability to repay any current or future credit obligations.
Automatically Gathered Information
Mortgage 1, Incorporated automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. Mortgage 1, Incorporated may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address information but do not ordinarily link IP addresses to Users Nonpublic personal information. However, We can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.
Information Use and Disclosure
Protecting the Confidentiality and Security of Your Information
Keeping financial information is one of our most important responsibilities. Only those persons who need access to your information to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.
We share your information with others as required by law or as necessary to obtain credit approval for your loan.
With Affiliates of Mortgage 1, Incorporated
We do not share your information with affiliates.
Continuing Evaluation and Adjustment
This Information Security Plan will be subject to periodic review and adjustment, especially when due to the constantly changing technology and evolving risks. Mortgage 1 Incorporated will review the standards set forth in this policy and recommend updates and revisions as necessary. It may be necessary to adjust the plan to reflect changes in technology, the sensitivity of customer data and internal or external threats to information security.
With Third Party Service Providers, Joint Marketers and as Otherwise Permitted by Law.
We may work with non-affiliated companies or organizations to provide services on our behalf in connection with obtaining approval for your loan or to provide you with opportunities to buy products or services offered by us or jointly with other financial institutions. As a result, we may disclose some of the information that we gather from you. For your protection, we require that these companies keep all personal information confidential.
Email & SMS Campaigns
We may use your information including, but not limited to name, email address, and phone number to sign you up for our email newsletter and SMS campaign. You may opt-out of this at any time by unsubscribing directly from an email once it has been received, reply STOP to a SMS message once it has been received, or calling us at 734-506-6300.
We also may disclose some or all of the information that we collect as permitted by law. For example, we may share personal information:
- With regulatory authorities and law enforcement officials
- To protect against fraud
- To report activity to credit bureaus
- To respond to a subpoena
Opting Out
You may opt out, that is, you may direct us not to share your information, by calling us at 734-506-6300.
Registration Information
We use nonpublic personal information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users nonpublic personal information to third parties.
Advertising
At this time, we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications at any time by contacting us.
Demographic Information, Surveys and Contests
The demographic information that Mortgage 1, Incorporated collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.
Comments Submitted by Users
Mortgage 1, Incorporated constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.
Security
We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.
How We Respond To Browser Do Not Track Requests
Mortgage 1, Incorporated and other parties not affiliated with us may collect nonpublic personal information about your online activities over time and across different websites when you use our website or the services offered on our website. Industry standards regarding how to handle “Do Not Track” requests from web browsers are still evolving and there is currently no set of industry standards for handling such requests. As such we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. At this time, we do not have any protocol in place that allows you to opt-out of internet tracking. If you have any questions regarding our internet tracking methods please contact us.
Correcting/Updating Your Information
To correct and/or update your information, please contact us.
Contacting Us
If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:
Mortgage 1, Incorporated
Customer Service
43456 Mound Road
Sterling Heights, MI 48314