Privacy Commitment Protecting your privacy and the confidentiality of your personal information has always been fundamental to the way we do business with you and within Prime Mortgage Works Inc., whether over the telephone in our off or over the internet. This privacy policy informs you of our policy on privacy, and tells you about they way we ensure that your privacy and the confidentiality of your information is protected. Collecting and Using Information Before and when we collect information about you, we explain how we intend to use it. We will limit the information we collect to what we need for those purposes, and we will use it only for those purposes. We will obtain your consent if we use your information for any other purpose and before collecting information from third parties, such as a credit bureau. By obtaining additional information about you, from parties outside of Prime Mortgage Works Inc., assists us to assess your creditability. We will need to know your creditability; we may contact other lender or credit bureaus to give us information on your credit history. With your consent, it may be necessary to contact employers, or other personal references to verify information that you have given to us. Without your consent we would not be able to access to credit sources on your behalf. Protecting your Information We protect your information, with safeguards that are appropriate. We have security standards to protect our systems and your information, against unauthorized access and use. Only authorized Prime Mortgage Works employees, who are properly trained, may have access to customer information. Standard disciplinary action will take place for those employees who breach the Privacy Policy. Our Suppliers and agents, as part of our contract with Prime Mortgage Works., are bound To maintain your confidentiality and may not use that information for any unauthorized purpose. All employees of Prime Mortgage Works Inc., are familiar with the procedures that must be taken o safeguard clients information. Protecting your information is more than a procedure; it is outlined in our employee agreements and confirmed in writing. We audit our procedure and security measure regularly to ensure that the are being properly administered and the remain effective and appropriate. We retain your information only as long as it is required for the reason it was collected. The length of time that we retain the information depends on the loan product and the nature of the information,. This period may extend beyond the end of your relationship with us but only for so long as at is legally necessary for us to have sufficient information to respond to any issues that may arise at a later date. When your information is no longer requires we have procedures to destroy, delete or convert to an anonymous form. Access and Accuracy We will give you access to the information we have about you. We will make every reasonable effort to keep your information accurate and up to date. If you require other information, simply contact our office. We will ask for specific details in order that we can effectively retrieve the information. We will advise you in advance if a charge will be required for conducting the search and retrieval and we will respond to your request within 10 business days. We may not be able to provide information about you from our records if they contain information or reference other people, as this is subject to legal privilege, if it contains confidential information proprietary to Prime Mortgage Works Inc as it relates to an investigation of breach of agreement or contravention of law, or cannot be disclosed for other legal reasons If you have any questions regarding decisions made about you, we will tell you the reasons for these decisions. Where relevant, we will give you the name of the reporting agency from which a report was obtained. We will make every reasonable effort to keep your information accurate and up to date. Having accurate information about you enables us to give the best possible service. Allowing us to retain your information within Prime Mortgage Works Inc., means mortgage related information can be forwarded to you as part of your service commitment. We could use your email address to send you information about products and services offered by Prime Mortgage Works Inc, information that we feel would be of interest to you. If you do not want us to contact you with product information you may toell us so at that time. By keeping us informed of any changes to your address, telephone number and email address can help us. If you find any errors in the information about you we will make the corrections right away and make sure the corrections are forwarded to anyone we may have misinformed. Releasing information Under no circumstances do we sell customer lists or information to other. We will release your information to parties outside of Prime Mortgage Works Inc, only under the following circumstances: With your consent For servicing purposes - We give limited amount of information, only if necessary, without your consent to our suppliers and agents, for example, insurance providers, lawyers, appraisers. When required or permitted by law Respecting and Responding to your concerns about Privacy We will explain your options of refusing or withdrawing consent to the collection, use or release of your information, and we will record and respect your choices. In most cases you are free to refuse or withdraw your consent at any time. You may do so by contacting our office. A staff member will be pleased to explain your options and any consequences of refusing or withdrawing your consent, and record your options. If you do not want us to contact you with product and service information, you can inform us at any time. You can choose not to receive direct mail or telephone markting material. You will be guided through your choices. You can change your options at any time. You make refuse consent for us to do a credit check, but we may not be able to source your business through credit lenders without one. As this is necessary, to support the credit process. If you have any concerns regarding privacy, confidentiality or any other matter pertaining to the mortgage process please contact: Susan English or Kerry Patten Prime Mortgage Works Inc
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