We understand there is certain information you do not want to share with everyone and we are just as concerned about safeguarding the information you provide to us. That is why Independence Title and our affiliated companies have adopted these privacy principles and guidelines. We value the trust you have placed in us and are committed to earning and maintaining your confidence.
Information Collection - Independence Title will only collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products; services and other opportunities we think will be of interest to you.
This information may be collected from a variety of sources, such as the following: (1) information provided by you in connection with obtaining financial products and services such as mortgage loans, deposit accounts and investment products and services, (2) information obtained from non-affiliated third parties such as a credit bureau which provides your credit history or employment verification, and (3) information about your transactions with us, our affiliates or others.
Maintenance of Accurate Information - We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us at 954-335-9305. If the record is within our control, we will correct any inaccurate or incomplete information.
Security Procedures to Protect Customer Information – Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to comply with federal guidelines concerning the security of nonpublic personal information.
Information Sharing With Unaffiliated Third Parties - Unlike some other mortgage brokers, Independence Title does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.
In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that Independence Title does not offer on its own, but we think will be of interest to our customers. In such cases, Independence Title will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.
Protecting Your Financial Privacy - Independence Title will protect the privacy of your personal and financial information. To guard your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations. Specifically, we have designed our systems to ensure that your Personal Identification Number (PIN), password and other access codes are always private and confidential. For your protection, only you know your access codes - our employees cannot gain access to them and they will not ask you to reveal them.
The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date or as required by other regulatory agencies. When your information is no longer needed for the purposes explained to you, we have procedures to destroy, delete, erase or convert it to an anonymous form.
We update and test our technology regularly to ensure we maintain commercially reasonable standards in securing your financial privacy.
Regarding Cookies - To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our Web Page Server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on Web sites and do not harm your system.
Encryption - Your password as well as all information relating to your accounts and your enrollment are scrambled using some of the strongest forms of encryption commercially available for use over the World Wide Web.