Privacy Policy

Information We Collect
The Site does not collect personally identifiable information about you unless you expressly provide such information, such as your name, physical address, and email address, to us on a voluntary basis, for example, when submitting a request for a call back or a complaint. We may also add the information you expressly provide to our databases or contact lists. We use such personally identifiable information to send you the information you request, to respond to your inquiries and comments, and, from time to time, to send you information regarding events and developments that we think may be of interest to you.

If you decide at any time that you no longer wish to receive information from us, please see “Contact Us” below. On rare occasions, we may send important administrative information regarding the Site or services to users using their email addresses; because such information may be important to your use of the Site, it may not be possible to “opt out” of receiving such emails.

Non-personally Identifiable Information
We also automatically collect non-personally identifiable information through cookies and log files when you access the Site. Such information includes, without limitation, the following: your internet service provider, the IP address of the computer you are using, the type of browser software and operating system that you use, the date and time you access the Site, your length of stay on the Site, the pages that you visit on the Site, the Web site address, if any, from which you linked directly to the Site, the Web site address, if any, to which you travel from the Site, and other similar traffic information. We may aggregate your information with similar data collected from other users to help us improve our Site and the services we provide through our Site. We do not use such data in any way to create or maintain a personal profile of you or to collect personally identifiable information from you.

Our Use of Information We Collect
For our everyday business purposes, such as to process your transactions, maintain your accounts, report to credit bureaus, and/or to offer our products and services to you. Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to provide such information to our employees, contractors, agents, and designees to the extent necessary to enable them to perform certain Site-related services on our behalf. We also reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of Westcorp Mortgage and its employees, users of the Site, or the public.

Third parties may use cookies, web beacons, and similar technologies to collect or receive information from our website and elsewhere on the Internet and use that information to provide measurement services and target ads. You can opt out of the collection and use of information for ad targeting by visiting www.aboutads.info/choices.

Westcorp Mortgage reserves the right to transfer any and all information we collect from users, or that we otherwise collect in connection with the Site, including, without limitation, to unaffiliated third parties, in the event of a sale or transfer of assets or portion of our business.

How Do We Collect
We collect your personal information, for example, when you: apply for a loan; give us your income information or give us your contact information; provide employment information and/or employment history; show your government issued-ID and/or driver’s license. We also collect your personal information from other companies, such as credit bureaus, during the loan application process.

Security
Westcorp Mortgage employs industry standard security measures designed to protect against loss, misuse or alteration of personally identifiable information under our control. Unfortunately, no security system, or system of transmitting data over the Internet, can be guaranteed to be 100% secure. Therefore, while we employ industry standard security measures to protect your personally identifiable information, we cannot guarantee the security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the site.

Links to Other Web Sites
The Site may contain links to Web sites owned by third parties. If you link to any such Web site, any information you disclose on that site is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others. Any Site link to a Web site owned by a third party does not constitute an endorsement, approval, association, sponsorship or affiliation with the linked site unless specifically stated.

Children Under 13
The Site is not directed to children under thirteen years of age, and we do not knowingly collect personally identifiable information from such children. If you are younger than thirteen, please do not provide any personally identifiable information while using the Site.

Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

  • Understand and save user’s preferences for future visits.
  • Keep track of advertisements.
  • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.

If you disable cookies off, some features will be disabled it won’t affect the users experience that make your site experience more efficient and some of our services may not function properly.

Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Google
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in the future.

California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA we agree to the following: Users can visit our site anonymously
Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.

Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.

Users will be notified of any privacy policy changes:

On our Privacy Policy Page

Users are able to change their personal information:       • By emailing us

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

It’s also important to note that we allow third party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify the users via email

Within 7 business days

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

Send information, respond to inquiries, and/or other requests or questions.

We may also send you additional information related to your product and/or service.

Market to our mailing list or continue to send emails to our clients after the original transaction has occurred To be in accordance with CANSPAM we agree to the following:

NOT use false, or misleading subjects or email addresses

Identify the message as an advertisement in some reasonable way

Include the physical address of our business or site headquarters

Monitor third party email marketing services for compliance, if one is used.

Honor opt-out/unsubscribe requests quickly

Allow users to unsubscribe by using the link at the bottom of each email

Changes to Privacy Policy
We reserve the right to update, revise or otherwise change this Privacy Policy at any time and any changes to the Privacy Policy will be effective upon posting. Your use of the Site constitutes your acceptance of the currently posted Privacy Policy, and you should therefore review this Privacy Policy regularly to ensure that you are aware of its terms.

Contact Us; Opt-Out
If you would like to update or otherwise change the personally identifiable information you have provided to us, or if you no longer wish to receive materials from us or want your personally identifiable information removed from our databases, please contact us at contact@westcorpmortgage.com. Alternatively, if and when you receive materials from us by email, you may make use of the “opt out” provision in such email to let us know that you no longer wish to receive such materials from us. If you have any questions about this Privacy Policy or our collection and use of your personally identifiable information, please contact us at contact@westcorpmortgage.com.