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Because we value your patronage, we want to address any privacy concerns
you may have. To that end, we have set forth our privacy policy for handling the information
you share with us online. We want your decision to do business with us to be an informed one.
When you visit our website, we may collect information about you that
you voluntarily choose to share with us. This identification information may include, but is
not limited to, your name, your physical address, your e-mail address, your telephone and fax
numbers, details of your real estate and lending needs and preferences, and other details of
your life.
What may be less obvious to you is that, when you visit our Website,
we may collect data involving your usage through the use of "cookies" (i.e. small text files
placed on your computer by a Website), Web server logs, and other Web tools. This technology
allows us to customize your online experience, as well as track your Internet use. The
tracking data we collect may include, but is not limited to, the date and time you visit,
the time you spend, the Web pages you view, the other Websites you visit, your search queries,
and basic information about your computer, such as your Internet Protocol ("IP") address, your
domain name, your browser type, and the name of your Internet service provider. You may
deactivate cookies if you do not want your browsing to be tracked, but doing so may hinder
your online experience.
When visiting our Website, you may be directed, through hyperlinks, to
other Websites that are beyond our control. Furthermore, when you are visiting our Website,
other companies, such as third party advertisers and sponsors, may be gathering information
about you. This Privacy Policy does not cover the collection of information by those other
companies and Websites. Although we encourage third parties to provide their own privacy
policies, we are not responsible for their activities, such as how they handle the information
they collect online.
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We primarily use the identification information you voluntarily share
with us to customize your online experience and to do what you have asked of us. We also use
your identification information to tell you about our products and services, but you may
instruct us not to send communications to you by following the procedure indicated below under
"Contacting Us". On occasion, we use your identification information to validate your
identity. As for usage tracking data, we primarily use that information to operate and
improve our Website, and to further our marketing efforts.
As a general rule, we do not share your information with unaffiliated
third parties. We may, however, share your information with our own personnel and our service
providers to the extent necessary to fulfill your requests. We may also share your information
with our affiliates, but we will not share it with unaffiliated third parties for direct
marketing purposes. We reserve the right to disclose your information under limited
circumstances, such as to cooperate with law enforcement or judicial authorities as required
by law or legal process, to protect our own legal rights, or to protect the public good.
Whenever you are online, you run the risk that the information you give
out will fall into the wrong hands. Although we implement and maintain reasonable security
procedures and practices to safeguard your privacy, we cannot guarantee the security of any
information you provide to us. We accept no responsibility or liability for the activities
of third parties.
If you would like to review the information about you that we have
collected through our Website, or to change that information, you can make that request by
following the procedure indicated below under "Contacting Us". We may require that you
verify your identity before we process your request.
We may, from time to time, change our Privacy Policy. We will notify
you of any changes by posting our updated Privacy Policy on our Website and inserting a new
"Effective Date".
This Privacy Policy is effective as of 11/1/04.
If you would like to send us a request as indicated above, or if you
have any other questions or concerns regarding our Privacy Policy, you may contact us: |
