Introduction and Scope of Policy
(“Vanguard Mortgage”). You may also receive an additional privacy notice in connection with your offline interaction with Vanguard Mortgage
Company. Vanguard Mortgage takes your privacy concerns seriously, both in our offices and online. We recognize that it is critical for you to
be confident that your privacy is protected when you visit our website. We are committed to protecting the personal information of visitors
to our web site and web pages. This Policy is one way of the ways we demonstrate our commitment to your privacy.
Consistent with the Standard for Safeguarding Customer Information contained in the Federal Trade Commission Rule 16 CFR 314 and
applicable State Laws, this Policy describes Vanguard Mortgage’s privacy practices regarding information collected from users of this
website. This Policy applies to our web site and web pages and applies to the collection, use and sharing of information you provide
online. The Policy describes the information we collect from and describes how we use information about you, whom we share it with, and
how we protect it. Our web site and web pages may contain links to third party sites not controlled by Vanguard Mortgage or covered by
this Policy. We recommend that you check the privacy statement of other sites you visit before providing any personal information.
For purposes of this Policy, “personal information” means any information concerning a natural person which, because of name, number,
symbol, mark, or other identifier, can be used to identify that natural person. This company does not collect any personal information about
you unless you provide that information voluntarily by sending an e-mail or by initiating an online transaction, such as a completing an
online application or by completing a request for additional information.
By using this website or interacting with Vanguard Mortgage online, you consent to our use and disclosure of information about you in the
manner described in this Policy.
How We Collect, Use and Share Information about You Generally
Information that we may collect about you through online interaction includes information that you input, such as your name, address,
email address, other contact information; data resulting from your activity, such as transaction information; and location information. When
you visit our website, Vanguard Mortgage maintains information on an aggregate basis regarding web pages or information accessed by
visitors to the website. This information does not contain any data concerning the web pages or services accessed by you on an individual
basis. The foregoing information does not constitute personal information. The information that is collected automatically is used to
improve ours website’s content and to help Vanguard Mortgage to determine what information is popular or unpopular with visitors to our
website. This data allows Vanguard Mortgage to improve the content and material available on our website. We may also use the information
we collect for analytic purposes, market research or for marketing purposes, as allowed by law.
Cookies are pieces of data stored on your device. Browser cookies are assigned by a web server to the browser on your device. When
cookie technology or other online tracking technologies, like web beacons, to gather information about your visit to our web sites. When
you browse or visit one of our web sites, we do not store information on your computer. We do not automatically collect e-mail addresses
but retain the only the information that you authorize us to use for purposes of contact with you.
During your visit to this website, you may complete and Online Application. Your e-mail address and the contents of your message will be
collected. The information we collect will depend on whether you input data in our online application forms. This information may include
your name, address, social security number in whole or in part, telephone number, account number at a bank or other financial institution,
type of bank account, and the name of the bank or other financial institution, email address, date of birth, current residential information
including mortgage or rent payments, employment information, income information.
The Use of Information You Provide
The information collected is not limited to text characters and may include audio, video, and graphic information formats included in the
message. Your e-mail address and the information included in your message will be used to respond to you, to address issues you
identify, to improve this website, or to forward your message to one of our employees for an appropriate response to your inquiry. We may
also use the information you provide for purposes allowed by law such as: servicing; communicating with you; improving our Site,
products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation
of our products and services to you, and using read-receipt notifications in our email communications.
We may share some of the information we collect about you to third parties, such as companies performing services on our behalf, to
provide the services related to the mortgage loan product you requested We do not disclose any information about our customers or
former customers to anyone, except as permitted by law. Any company with which we share information about you for the above purposes
is contractually required to comply with confidentiality standards. We may also share information with service providers with whom we
work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we
may share information with additional third parties for purposes including response to legal process. Vanguard Mortgage does not sell or
otherwise disclose your e-mail address unless you specifically authorize us to do so for a purpose that is beneficial to you.
We do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their
parents. Please be advised that the collection of personal information submitted in an e-mail is treated as though it was submitted by an
adult seeking information on mortgage products and services. Our website is not intended or designed to attract children. For more
information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
How Vanguard Mortgage Protects Your Personal Information
Vanguard Mortgage is strongly committed to protecting your personal information against unauthorized access, use or disclosure.
Consequently we restrict access to the information obtained from our web site and web pages to our employees, agents and contractors
who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that
comply with Federal and State Regulation designed to protect your personal information. Employees, agents and contractors who have
access to this information are bound by law and policy to follow appropriate procedures in connection with any disclosure of personal
information. We also comply with Dodd-Frank required supervision requirements of service providers. For details of this requirement
please visit www.consumerfinance.gov.
In addition, we utilize procedures and safeguards to protect the integrity of our information technology resources, including but not limited
to authentication, monitoring, auditing, encryption, password and physical security. For example, we utilize state of the art software
programs to monitor unauthorized attempts to upload, modify or otherwise access our website. These software programs include
protections such as full time monitoring of protection of information from fraud, theft or abuse, intrusion detection safeguards and
protection; data protection, spam protection and detection and elimination of spyware, trojans, adware and other malicious threats. Our
auditing software is implemented to identify and assess risks to private customer and company information, both on our server and on our
website. Software programs are updated as stronger versions and patches become available. Data is encrypted on our server to prevent
unauthorized access to personal information on laptops or other portable electronic devices. These security precautions are a part of our
overall commitment to the protection of your personal information when you visit our website.
Policy updates and effective date
If we make updates to this Policy, we will update the Policy with the changes and revise the effective date posted at the top of this Policy.
Any updates to the Policy become effective when posted to our Website. Your use of the Site following the update to the Policy means
that you accept the updated Policy.
For additional information regarding this policy please contact Vanguard Mortgage Company’s Compliance Officer at firstname.lastname@example.org. Name of our Compliance Officer is Yuri Baturenko.