VANDYK MORTGAGE CORPORATION

PRIVACY POLICY 

Privacy Policy

At VanDyk Mortgage Corporation “VanDyk”, confidentiality, trust and are top priorities. It is our pleasure to take this opportunity to outline our privacy policies and the steps we take to protect and maintain your personal information so you know how you can to choose how your information can be shared.

Please see our Consumer Privacy Notice for a clarification on how we collect, use and share personal information and what steps you can take to limit sharing of your information. (California Residents)

Information Collection

  •  The types of personal information we collect and share depend on the product or service you have with us:
  • Information we receive from you on applications, surveys, online registrations or other forms such as your name, address, assets, income and debt;
  • 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 from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan balances or your property insurance coverage;
  • Information about your transactions with us such as account balance,transaction history or information about our communications with you.

Protecting the Confidentiality and Security of Your Information

VanDyk believes that keeping financial information protected is one of our most imperative responsibilities. Only personnel who need this information to perform their job duties are authorized to access your personal information. We take realistic precautions to protect your information and limit disclosure by maintaining electronic, physical and procedural precautions.

Information Use and Disclosure

We may share information we have about you to give you greater service and to make a wider range of products available to you.

  With Affiliates of VanDyk Mortgage

VanDyk currently has no affiliates.

If you choose that we not share information about you, you may opt out. To direct us not to share your information you may do this by calling us toll-free at 1.888.482.6395, by email at optout@vandykcorp.com or by filling out and returning the form in this Consumer Privacy Notice. (California Residents)

With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law

We may choose to work with non-affiliated companies or organizations to provide services on our behalf in connection with the servicing of your account or to provide you with opportunities to buy products or services offered. Therefore, we may disclose some or all of the information that we collect to the following:

  • Companies that perform services on our behalf, such as check and statement printers, data processing companies and vendors who monitor the status of insurance on the property
  • Companies we have joint marketing agreements

For your protection, we require that these companies keep all personal information secure and confidential.

We may disclose some or all of the information that we collect as permitted by law.  For example, we may share personal information:

  • To protect against fraud;
  • To report activity to credit bureaus;
  • To respond to a subpoena;
  • To service your account;
  • With regulatory authorities and law enforcement officials.

With Other Third Parties

We may share some or all of the information that we collect from you with other organizations, including:

  • Financial service providers, securities broker-dealers and insurance agents;
  • Non-financial companies, such as retailers, direct marketers, membership clubs and publishers;
  • Other companies and organizations, such as non-proft organizations

If you choose that we not share nonpublic personal information about you with other organizations as described in this section (except information described above under Information Sharing "With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law"), you may opt out, that is, you may direct us not to share this information, by calling us toll-free at 1.888.482.6395, or by filling out and returning the form in this Consumer Privacy Notice. (California Residents).

Maintenance of Accurate Information

We have established practical procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 1.888.482.6395 or sending a written inquiry to us at VanDyk Mortgage, Attention:Legal Department, 2449 Camelot Court SE, Grand Rapids MI 49546. We will take practical steps to investigate your concerns and correct inaccurate information in a timely manner.

Former Customers

If you pay off your account with VanDyk, your account is later sold to a third party investor or you, in some other manner, become a former customer, we will continue to safeguard your information as described in this notice.

Companies Providing This Notice

This policy is provided by VanDyk. You may opt out as outlined in this Privacy Policy. There is no need for you to notify us if you have decided not to opt out. It could take up to six weeks to process your request. If at a later time you wish to change your opt out choice, please contact our Legal Department at 1.888.482.6395.

Upon contacting the customer service department at the above listed toll-free number, your opt-out choices will be as reflected below.

  • Please do not share information about me.    If you opt out, you may not receive offers for other products or services from VanDyk that may be of value to you.
  • Please do not share nonpublic personal information about me with any company or organization as described in this notice (except information described above under Information Sharing "With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law").

  If you opt out, you may not receive offers for other products and services from companies and organizations not affiliated with VanDyk that may be of value to you.

Note for Accounts with Co-Borrowers: Your opt out choices will also apply to co-borrowers.

Cookies and Other Technical Information. We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (they remain on your computer until you delete them) or temporary (they last only until you close your browser). We may also use tracking systems such as "web beacons," which monitor the use of our web sites. Tracking systems (web beacons or web bugs) are small strings of code that provide a method for delivering a graphic image on a web page for the purpose of transferring data, such as the IP (Internet Protocol) address of the computer that downloaded the page on which the web beacon appears, the URL(Uniform Resource Locator) of the page on which the web beacon appears, the time the page containing the web beacon was viewed, the types of browser that open the web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, web beacons let us know whether you received and opened our e-mail.

On their own, cookies or web beacons do not contain or reveal any personally identifiable information. However, if you choose to provide one of our web sites with personally identifiable information, this information can be linked to the data stored in the cookies and web beacons.

Your ongoing use of our web sites constitutes your acceptance of this Privacy Policy,and you specifically agree to our described use of cookies and web beacons. You may adjust your browser to reject cookies from us or from any other site. Additionally, by setting your web browser to display HTML e-mails as text only, you may be able to prevent the use of some web beacons. Please consult the "Help"section of your browser for more information. However, certain areas of our websites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.

  Privacy Options and Solicitations

• To make privacy elections, send an email with “opt out” in the subject line and include your name, address and loan number (if applicable) to optout@vandykmortgage.com.

• To limit the types of solicitations VanDyk sends you,send an email with “email” in the subject line to optout@vandykmortgage.com.  





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