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Topdot Mortgage Privacy Policy
We respect and are committed to protecting your privacy. That is why we have adopted this Privacy Policy. This Privacy Policy lets you know how your personal information is processed, protected and used during your visit to our website. We promise that we will take steps to use your personal information only in ways that are compatible with this Privacy Policy. You may have other privacy protections as provided under state law. The following discloses our Privacy Policy.
What information are you collecting and how are you collecting it?
We collect nonpublic personal information about you from the information you provide to us when you fill out an application or other forms on our site; information we receive about you from consumer reporting agencies; information from your transactions with us, our affiliates or others; and, if you use our website, information we receive from "cookies" as described below.
This information may include: financial information; name; address; social security number; account numbers; telephone number; email address; information we obtain to verify representations made by you, such as amounts you own on credit cards and other open lines of credit; and information we obtain from a person regarding its employment, credit or other relationship with you, such as your employment history.
Do you use Cookies or other online technologies to collect information?
Every computer connected to the Internet is given a domain name and a set of numbers that serve as that computer's "Internet Protocol" IP address. When a visitor requests a page from any Web site within our network, our Web servers automatically recognize that visitor's domain name and IP address. The domain name and IP address reveal nothing personal about you other than the IP address from which you have accessed our site. We use this information to examine our traffic in aggregate, and to investigate misuse of our network, its users, or to cooperate with law enforcement. We do not collect and evaluate this information for specific individuals. Our Web servers do not automatically record e-mail addresses of the visitors.
What are cookies?
From time to time, Topdot Mortgage may send a "cookie" to your computer. A cookie is a small piece of data that is sent to your Internet browser from a Web server and stored on your computer's hard drive. A cookie can't read data off of your computer hard disk or read cookie files created by other Web sites. Cookies do not damage your system. We use cookies to identify which areas of our website you have visited or customized, so the next time you visit, those pages may be readily accessible. You can choose whether to accept cookies by changing the settings of your Internet browser. You can reset your browser to refuse all cookies, or allow your browser to show you when a cookie is being sent. If you choose not to accept these cookies, your experience at our website and other websites may be diminished and some features may not work as intended.
Do you share personal information about me?
In certain circumstances, we may share information about you with other companies so that we may provide you with the services you have requested. We may share information about you with our suppliers and service providers for their use in providing services, or within the Topdot Mortgage family of companies for marketing purposes as allowed by law. Also we may share information about you with credit reporting agencies when you complete an online form or application.
Any company with which we share information about you for the above purposes has agreed to keep confidential the information that we provide to them and to use the information only to carry out the functions we have asked them to perform. Finally, we may disclose all of the information above as permitted by law.
How do you protect personal information?
We restrict access to nonpublic personal information about you to only those employees whom we have determined need to know that information in the course of their job responsibilities. We maintain physical, electronic and procedural safeguards designed to protect nonpublic personal information.
How can I review, change or correct information that you collect?
We strive to keep our records of our information about you accurate and up-to-date. If you tell us of an error, we will update our records promptly. You may contact us as follows:
Topdot Mortgage
125 Jericho Turnpike, Suite 400
Jericho, NY 11753
Telephone: 866-610-8368
Email: privacy@topdot.com
Topdot Mortgage web site users may opt out of participating in online submissions by not submitting an online submission to us. Web site users who have submitted forms to Topdot Mortgage online, who no longer wish to use our services, may have their information removed from our database by requesting that such information be removed from our database.
Does Topdot Mortgage have a Do Not Call Policy?
Topdot Mortgage engages in numerous marketing campaigns designed to attract consumers to the mortgage services and products we offer. While we are always willing to discuss the many loan products and services we provide to consumers, we are committed to honoring the consumer’s right not to be contacted. For more information on our Do Not Call please see below.
Will Topdot Mortgage make changes to this Privacy Policy?
This statement is effective May 1, 2006, and remains in effect until amended. Topdot Mortgage reserves the right to amend this Privacy Policy or alter its privacy positions at its sole discretion without notice to you. Any alterations to this Privacy Policy or our privacy positions will be posted on our website in a timely manner.
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May 1, 2006
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DO NOT CALL POLICY
Topdot Mortgage believes that the protection of a consumer’s right to privacy is essential in building long lasting relationships with consumers. Pursuant to this belief, we are committed to honoring a consumer’s right to not receive mortgage related solicitations from us. We engage in numerous marketing campaigns designed to attract consumers to the mortgage services and products we offer. One of the primary methods we utilize to market our company’s services to prospective and current consumers is through telephone solicitation. While we are always willing to discuss the many loan products and services we provide to consumers, we are committed to honoring the consumer’s right not to be contacted.
The federal government and many states have passed laws that place restrictions on calls made to residential phone numbers for the purpose of selling products or services. Two federal laws are involved: the Telephone Sales Rule (TSR), administered by the Federal Trade Commission (FTC), and the Telephone Consumer Protection Act (TCPA), administered by the Federal Communications Commission (FCC).
If you are not listed on the National Do Not Call list or State Do Not Call list and still do not want to be contacted by us, please contact us. Your request can be submitted either by phone or mail:
Phone:
1-800-269-6296
Mail:
Topdot Mortgage
125 Jericho Turnpike, Suite 400
Jericho, New York 11753
Please note that our Do Not Call policy does not prevent us from calling consumers on the National or State Do Not Call list if:
- An Existing Business Relationship exists between Premium Capital Funding LLC dba Topdot Mortgage and you. This relationship exists when you have transacted a loan with us in the previous 18 months.
- You have contacted us, pursuant to one of our marketing campaigns and inquired about our services/products within the last 3 months.
- We contact you for non-solicitation purposes. This type of contact would include: customer service follow-ups, etc.
Pursuant to our beliefs and in order to comply with Federal and State Do Not Call regulations, we have adopted and implemented the following procedures to ensure that we honor a consumer’s right to privacy:
- Obtained subscriptions to the FTC’s National Do Not Call registry, the FCC Ported Wireless registry, and applicable state specific Do Not Call registries.
- Updating and monitoring our Federal and State DNC list so that new telephone numbers added to the DNC lists are updated on a timely basis (every 30 days).
- Creation of a company specific internal Do Not Call list, which is updated in real time and monitored on a daily basis.
- Established scrubbing protocol that ensures1) customer information is scrubbed on a timely basis against Federal, State, Company specific Do Not Call lists and 2) scrubbed initially before any telephone solicitation is attempted.
- Establish a Company specific written Do Not Call policy. This policy is available to all consumers upon demand.
- Training employees on Company Do Not Call policy and protocol. Educating employees on any applicable DO Not Call industry trends and/or regulation changes.
- Maintain policy that ensures that: Requests to be placed on the PCF specific Do Not Call list are properly recorded and DNC listed consumers are not called unless PCF receives consumers express written consent.
- Developing internal monitoring procedure to ensure that employees are acting in compliance with company policy.
- Establish clear requirements that all lead vendor providers must adhere to when distributing leads to us.
- Implement procedures for dealing with: 1) people that claim their number is already on a Do Not Call registry or is on our specific Do Not Call list, 2) an inadvertent call to a person whose number is on the Do Not Call registry or on our Do Not Call list.
If you have any questions or comments regarding our Do Not Call policy please contact us at 1-800-562-6152 and ask to be connected with the department that handles Do Not Call matters.
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