|FACTS||What Does Keller Mortgage Do With Your Personal Information?|
|WHY?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.|
|WHAT?||The type of personal information we collect and share depend on the product or service you have with us. This information can also include: • Social Security number and income • Credit scores and credit history • Account balances and mortgage rates and payments. When you are no longer our customer, we continue to share your information as described in this notice.|
|HOW?||All financial companies need to share Customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies share thier Customers’ personal information; the reasons Keller Mortgage chooses to share, and whether you can limit this sharing.|
|Reasons we share your personal information||Does Keller Mortgage share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.||yes||no|
|For our marketing purposes – to offer other products and services to you.||Yes||No|
|For joint marketing with other financial companies.||No||We Don't Share|
|For our affliates’ everyday business purposes – Information about your transactions and experiences.||Yes- With Permission||Yes|
|For our affliates' everyday business purposes – Information about your creditworthiness.||No||We Don't Share|
|For non-affiliates to market to you.||No||We Don't Share|
|To limit our sharing:||• Call 888-766-2678 – our menu will prompt you through your choices, or • Visit us online at www.kellermortgage.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.|
|Questions?||Call 888-766-2678 or visit www.kellermortgage.com|
|Who is Providing this Notice?||Keller Mortgage|
|How Does KM protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We may enter into agreements with other companies to provide products and services to us and to you. These companies must safeguard your information and use it for specific purposes.|
|Why can't I limit all sharing?||Federal laws give you the right to limit only: • Sharing for affiliates everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. We also allow you to request that we not market to you by phone, fax, and/or e-mail.|
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies. • Keller Mortgage only shares with our affiliates when we have your permission.|
|Non-Affiliates||Companies not related by common ownership or control. They can be financial and non-financial companies. • Non-affiliates we share with can include insurance, title, and escrow companies, credit bureaus. appraisers, lenders, investors and mortgage services.|
|Joint Marketing||A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Keller Mortgage does not jointly market.|
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Your use of this website or any Services or information derived from this website constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this website are hereby incorporated by reference.
While Keller takes reasonable and appropriate precautions to protect its customers and to prevent possible security breaches in our website and customer databases, no website, internet transmission, computer system or wireless connection is completely secure. Consequently, Keller cannot guarantee that unauthorized access, hacking, data loss or other breaches will never occur. YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR OWN RISK.
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In or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as this website or controls the content of any other Internet browser window. Your failure to comply with the terms, conditions, and notices on this website will result in automatic termination of any rights granted to you without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission previously defined, Keller does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this website on another Website or in any other media.
Information on this website is not promised or guaranteed to be correct, current, or complete, and this website may contain technical inaccuracies or typographical errors. Keller assumes no responsibility (and expressly disclaims responsibility) for updating this website to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described in this website.
This website is published for distribution through the world wide web. Keller’s products and services are not available in all geographic areas. Keller does not lend in the State of New York, and this website should not be used by New York consumers.
Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations.
Keller respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this website and Services. Keller may gather information that personally identifies users of this website, even if you provide such information to us. For example, Keller will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this website.
We will also collect nonpublic personal information about you and members of your household in connection with your agreements, applications or transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this website, the products or services you inquire about or select and the type of product or service you agree to undertake. Information collected may include:
information we receive from you on applications, agreements and other forms; information about your transactions with us, our affiliates or others; information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this website or interest in products and services related to those offered by Keller and interaction with other web-based or mobile applications; information we receive from consumer reporting agencies and other sources; and with your consent, we may ask a third party providers to confirm or give us more details about your applications, inquiries or transactions with us or others.
You may be asked to provide information that does not personally identify you. Keller may request this information to understand you better and to also bring to your attention new products, services, programs or offers that may be of interest to you.
Some of the services on the website may ask you to submit personally identifiable information about other people. For example, you might submit a person’s name and other personally identifiable information if you are interested in a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.
Keller uses information about you to deliver the Information, Products and Services that you request, to keep you informed about changes affecting our Products or Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our website and Services. If you provide Keller with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.
You may opt-out to receive email from us by following the directions in each message to “unsubscribe.” However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your transactional issues, account status, technical support, product information, changes to account terms and any other matter that might affect our service to you and/or any products or services you purchased from us, as applicable.
We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services.
We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include:
Persons or organizations that perform professional, business, underwriting, credit review or other functions for us; your loan broker or originator organization; title and escrow agents; designated vendors associated with your transaction, such as appraisers and insurance agents; and, regulatory and enforcement authorities. We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family or household purposes (“California Customer”) is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. In general, if the business has made such a disclosure of personal information, upon receipt of a request by a California Customer, the business is required to provide a list of all third parties to whom personal information was disclosed in the preceding calendar year, as well as a list of the categories of personal information that were disclosed.
California Customers may request further information about our compliance with this law by e-mailing firstname.lastname@example.org. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
Keller Mortgage, LLC or by email email@example.com
Effective Date: Feb. 23, 2017