Privacy Policy

Effective February 19, 2005

Protecting Your Privacy

Your privacy is important to us.  Plaza Home Mortgage, Inc. is committed to protecting any personal information that you may provide to us.  In particular, we believe it is important for you to understand what information we may receive and how we may use it.  When you visit our website, you are accepting the terms and practices described in this privacy policy.  This policy sets forth general guidance and does not constitute a contract or amend any agreements we have with our customers.  Please take a moment to read this privacy policy. 

Information We collect

We may collect  non-public, personal information about you from the following sources:

• Information we receive from you on applications or other loan documents and forms;
• Information about your transactions with us or others;
• Information we receive from third parties, such as brokers and credit bureaus; and
• Information we receive when you visit our website.

We may collect information about you in written, oral or electronic form.  The types of information about you that we may collect include your name, address, phone number, email address, social security number, employer name and address, work history, income, assets, debts, credit history and other information we may need to process your mortgage loan application and fund or service your loan.

How We Use Collected Information

We collect and use information for business purposes, such as evaluating mortgage loan applications and processing transactions that you request.

We do not disclose any non-public personal information about you to non-affiliated third parties, except as permitted by law.  This may include responding to a subpoena or other legal process, or reporting to consumer reporting agencies.  We will also release information about you if you direct us to do so.

We may disclose the above described information to our service providers to help us process your application or service your loan.  Our service providers may include escrow and title companies, lenders, insurers, real estate brokers, property inspection companies, legal counsel and similar service providers.  We may also disclose this information to companies that perform marketing services on our behalf for our products.  The information we disclose to our service providers is limited to the information needed to carry out their function.

Use of Our Website

In general, you can visit our website without telling us who you are or revealing any information about yourself.  Our web servers may seek (as many websites do) to place a "cookie" (a small data file) on your computer's hard drive that allows the server to determine the computer when it visits again, in order to track statistical information about navigation to and throughout certain areas of our site.  This cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation.  If you prefer not to accept cookies, you can set your web browser to reject them or to alert you before one is placed.

We may also gather data about visits to our website, including domain name, length of time on our website and other data to assist us in evaluating the usefulness of our site and so that we can provide more efficient service in the future.

In addition, some areas of our website may request personal information from you, such as information necessary to process your loan inquiry or to provide you with certain information you request.

Our website is not intended for persons under 13 years of age.  We do not knowingly solicit or collect personal information from or about children, and we do not knowingly market our products or services to children.

Access to Collected Information

You may review, correct and update the information that you provide to us by contacting us as described below.  Please contact us if there is incorrect information in any documents or other communications that you receive from us.

How to Contact Us

If you have any questions about this privacy policy, you can call, write or email us at the address and numbers shown in the "Locations" page of our website.  We welcome your questions and suggestions about our privacy policy.

Changes to This Policy

Periodically, we may revise our privacy policy, and will post the revised policy on our website so that you are always aware of our privacy policy and our practices regarding the collection and use of information.  Use of personal information that we gather now is subject to our privacy policy in effect at the time of use.  Please check this privacy policy periodically to inform yourself of any changes.  At all times, you may view our current policy on our website or contact us as described above for a copy.