We take guarding the privacy of the information that you provide when using the Opteum Mortgage web site very seriously. Please read this policy to understand how we will treat the personal information that you provide us. Our privacy procedures include the following:
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We disclose our privacy policies and procedures in this document. We allow all users to opt out at any time from receiving e-mail messages or solicitations from Opteum Mortgage and selected Opteum Mortgage partners or from having information shared with selected Opteum Mortgage sponsors, business partners or affiliates.
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Since this policy may change over time as we modify or expand our services, we suggest that you check back from time to time in order to understand how we treat your information. Your use of Opteum Mortgage constitutes your agreement to the terms of Opteum Mortgage's privacy policy. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what personal information we collect, how we use it, and under what circumstances we disclose it. Your continued use of Opteum Mortgage constitutes your agreement to any such changes.
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What personally identifiable information does Opteum Mortgage collect?
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Application Data
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During the application process, Opteum Mortgage collects personal information including your name, address, email address, birth date, gender, zip code and phone number. After providing Opteum Mortgage with this information, you are no longer anonymous. You do not have to provide any personal information to use this web site. However, if you choose to withhold requested information, you will not be able to submit a complete request for mortgage financing with Opteum Mortgage or a participating lender. In addition, we may not be able to provide you with some of the other services dependent upon the collection of such information, such as ordering a credit report.
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Other data collected
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From time to time, Opteum Mortgage may collect additional personal and non-personal information about you. This may include:
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- Information you provide when filling out a user survey.
- Information you provide if you contact our customer service center.
- Data related to the areas of Opteum Mortgage that you visit and how often you visit those areas. This includes any co-branded sections of Opteum Mortgage that are part of our overall service.
- Opteum Mortgage may also collect information at other times.
- Information you provide when filling out a user survey.
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Opteum Mortgage will make an effort to include a link to the Privacy Policy whenever we ask you for additional personal information.
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How does Opteum Mortgage use personal information?
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We use the personal information you supply us, including your basic application data (name, address, phone number, e-mail address, and gender) to provide mortgage origination services.
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Opteum Mortgage uses the information described above to do, among other things, the following:
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- Personalize and enhance the Opteum Mortgage site and service.
- Send personalized information about Opteum Mortgage and its site features and offers via email, unless you have opted out of receiving these types of communications.
- Send you advertising about trusted Opteum Mortgage partners, unless you have opted out of receiving these types of communications.
- Contact users for feedback regarding Opteum Mortgage and Opteum Mortgage's partners via email surveys or telephone contact.
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We may also use the information we collect to develop summary reports for our advertisers. An example of a summary report might be "100,000 people visited our site and clicked on this link." We provide this information to assist our advertisers in determining how to promote their products. We do not tell our advertisers who it was that saw or clicked on their advertisements.
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Unless you have opted out of receiving special offers or emails from selected third parties, we also may provide a report to our advertiser which tells them who responded to a particular offer. For example, we might send you an email which offers you a discount on a particular service. If you click on that e-mail or accept an offer or discount contained therein, we may provide the advertiser with the information necessary to provide you with that discount. What choices are available to you regarding the collection, disclosure and distribution of personal information and how can you opt-out?
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You can always choose whether or not to disclose personally identifiable information. Please note, however, that you must provide some personally identifiable information in order to submit a request for mortgage financing.
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How can I Opt-Out of receiving solicitations or e-mails?
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You can choose at anytime to opt out of receiving solicitations or emails from Opteum Mortgage , its affiliates or partners, or from having your personally identifiable information shared with selected companies. Simply send a request to: "OPT-OUT" Contact. Please allow one to two weeks from receipt of your request before your information is removed from our list. If you elect to "opt out" we will not share your personal information with third parties or contact you about special offers. However, Opteum Mortgage may continue to use your personal information for internal purposes, to process, underwrite, close and fund your mortgage loan, or to enhance your user experience or as necessary to administer the site or comply with applicable law. Opteum Mortgage also will need to supply certain information to partners in the processing of your mortgage. These partners include, but are not limited to, credit agencies, title companies, appraisal companies, and closing agents.
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What kinds of security measures do we take to safeguard your personally identifiable information?
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The security and confidentiality of your information is extremely important to us. We have implemented technical, administrative, and physical security measures to protect guest information from unauthorized access and improper use. From time to time, we review our security procedures in order to consider appropriate new technology and methods. Please be aware though that, despite our best efforts, no security measures are perfect or impenetrable.
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What are cookies and how they are used by Opteum Mortgage ?
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As a standard practice, Opteum Mortgage assigns a random number to each user for anonymously tracking content preferences and traffic patterns. This random number is kept in a file on your computer called a "cookie." With the help of cookies, Opteum Mortgage can present you with customized content that will be of more interest to you. We also use cookies to remember your passwords for you so you don't have to re-enter them each time you visit the site. Cookies also allow Opteum Mortgage to keep track of how often users are using specific areas of our site.
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Opteum Mortgage does not require users to accept cookies in order to enjoy the site. You can set your browser to reject cookies, or to notify you when Opteum Mortgage or another company sends you a cookie. If you have questions about how to change your browser's "cookie" settings, please contact the software manufacturer. You should be aware, however, that some areas of Opteum Mortgage will be significantly slower, or may not function at all, if cookies are disabled.
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What happens when you leave this web site to go to other sites?
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When you are on Opteum Mortgage, you may be directed to other sites that are beyond our control. For example, if you "click" on a banner advertisement the "click" may take you off the Opteum Mortgage site. These other sites may independently collect data, solicit personal information, or send their own cookies to you. Opteum Mortgage is not responsible for any use of the information including click-stream data that you may create when using such third party sites.
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Who has access to your personally identifiable information?
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Opteum Mortgage uses the latest technology to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no data transmission over the Internet can be guaranteed secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us or from our online products or services, and you use these services at your own risk.
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How and when is information disclosed to 3rd parties?
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Opteum Mortgage may disclose your personally identifiable information to non-affiliated third parties which offers products that Opteum Mortgage believes may be attractive to consumers in the market for mortgage financing. You may elect to opt-out of Opteum Mortgage sharing your information with non-affiliated third parties by following the procedures set forth herein.
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Administering the Site and Compliance with Law: Opteum Mortgage may disclose your personally identifiable information if we believe in good faith that we are required to do so in order to comply with applicable law, a subpoena, or other legal process. In addition, Opteum Mortgage may disclose or access account information for administrative and other purposes that we believe are necessary to develop, maintain and improve our products and services.
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How you can correct inaccuracies in your personal information?
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You may update your personal information as necessary by sending an e-mail to Personal Information Management".
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Who can you contact with questions regarding this policy?
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Questions regarding this statement should be directed to Policy Management.
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How will you know if we amend this Privacy Policy?
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We may amend this Privacy Policy at any time. If we make any material changes in the way we collect, use, and/or share your personal information, we will notify you by sending you an e-mail at the last e-mail address that you provided us, and/or by prominently posting notice of the changes on the web sites covered by this Privacy Policy. Any material changes to this Privacy Policy will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar days following our posting of notice of the changes on the Web sites covered by this Privacy Policy. Please note that, at all times, you are responsible for updating your personal information to provide us your current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any other reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. In any event, changes to this Privacy Policy may affect our use of personal information that you provided us prior to our notification to you of the changes. If you do not wish to permit changes in our use of your information, you must notify us prior to the effective date of the changes that you wish to deactivate your account with us.
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YOUR CALIFORNIA PRIVACY RIGHTS
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Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of Opteum Mortgage who are California residents to request certain information regarding its disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to webmaster10@opteum.com or write us:
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Opteum Mortgage Privacy Rights
Attn: General Counsel
W115 Century Road
Paramus, NJ 07652 |