This section
explains our policy regarding any personal information you might supply to us
when you visit this site. Our goal is to protect your information on the
internet in the same way that we protect it in all other ways we interact with
you: in branches and on the phone. ( You can also read " Baron
Mortgage Corporation Privacy Promise for Consumers ", which outlines in
more detail our privacy policy throughout Baron Mortgage Corporation. )
IMPORTANT INFORMATION ABOUT YOUR PRIVACY
Protecting your privacy is important to Baron Mortgage
Corporation ("Baron Mortgage Corporation" is referred to in this notice as
"we", "us" and "our"). We understand that you expect your personal information
to be confidential and secure. This notice will help you understand what
information we collect about you, how we use it and how wdfe protect it. In
addition, this notice describes your right to prevent information from being
shared with any affiliates or non-affiliates (under certain circumstances).
A. INFORMATION WE COLLECT
In connection with providing financial products or services
to you, we collect nonpublic and personal information ("nonpublic personal
information"). Nonpublic personal information is information that is not
available from a public source.
We obtain nonpublic personal information about you from the
following sources: … Information we receive from you on applications, loan
and account forms; … Information concerning your transactions with us, our
affiliates or others; and … Information we receive from third parties such
as credit bureaus.
B. INFORMATION WE DISCLOSE AND WHO WE SHARE IT WITH
We do not disclose any nonpublic personal information about
our customers or former customers to anyone, except as permitted by law.
C. FORMER CUSTOMERS
If you close your account(s) with us or you become an
inactive customer, we will continue to adhere to the privacy practices
described in this notice.
D. OUR SECURITY PROCEDURES
We restrict access to nonpublic personal information about
you to our employees, agents and subcontractors who need this information to
provide products or services to you. We maintain physical, electronic or
procedural safeguards that comply with federal regulations to guard your
nonpublic personal information.
E. YOUR CHOICES REGARDING INFORMATION SHARING
We are permitted under law to (and in some cases must)
disclose nonpublic personal information to "non affiliated third parties" in
certain circumstances. For example, we may disclose nonpublic personal
information to process your transaction at your request, to control fraud and
identity theft, to make certain information a matter of public record such as
recording a mortgage, to credit bureaus and to government entities in response
to such things as subpoenas. Other than these disclosures which are permitted
by law or are authorized and directed by you to process your transaction with
us we do not disclose and may not disclose nonpublic personal information
without your consent.
Baron Mortgage Corporation's Internet Privacy Policy
You can visit this site and find out about products and
services, read our Corporate reports, check on career opportunities, or get a
news update and other value-added services without giving us any information
about yourself.
If you do provide personal information, such as address,
e-mail, telephone and fax numbers, as well as demographic and customer
identification, we will not disclose (share, sell or divulge) it to external
organization unless we have informed you, been authorized by you, or are
required to do so by law. We will maintain this information, as well as your
business activities and transactions, according to our usual strict security
and confidentiality standards.
In order to provide better service, we may use "cookies", which may be set by another company for us. A cookie is a small piece of
information which a web site stores on your web browser on your PC and can
later retrieve. The cookie cannot be read by a web site other than the one that
set the cookie. We use cookies for a number of administrative purposes, for
example, to store your preferences for certain kinds of information or to store
a password so that you do not have to input it every time you visit our site.
Most cookies last only through a single session, or visit. None will contain
information that will enable anyone to contact you via telephone, e-mail, or
"snail mail". You can set up your Web Browser to inform you when cookies are
set or to prevent cookies from being set.
You can find out about our products and services, read our corporate reports, check on career opportunities, or use other value-added services without providing us any personal information about yourself.
From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
This policy was last modified 08/08/06
INFORMATION ABOUT COOKIES
Cookies facilitate certain features that can make the surfing experience more convenient and valuable for Web users.
A "cookie" is a small piece of information that a web server can store on your web browser. This is useful for having your browser remember some specific information that the web server can later retrieve. As you browse the web, some cookies are "set" on your web browser. When you quit your browser, some cookies are stored in your computer's memory in a cookie file, while some expire, or disappear. All cookies have expiration dates. The cookie is set on a particular browser on a particular computer, so when you use a different computer, the cookie will not exist.
Cookies are used, for example, when a browser stores your password to a particular site so that you do not have to input it every time you visit. Cookies are also used to store preferences you express for information that is then aggregated and presented to you. Instances where cookies are most commonly used include:
ORDERING ONLINE
Online ordering systems can use cookies that remember what a person wants to buy. Cookies enable users to keep browsing and adding to their "shopping cart". They can even end a browser session, come back, and still have the same items in their cart from the last session, if they choose to.
REGISTERING ONLINE
If you decide to register for an informational site, such as a newspaper, periodical or an interest group site, or even a chat group or on-line community, so that you can use it on a regular basis, you will likely be asked to supply some information about yourself. Often cookies are used so that you do not have to identify yourself every time you re-enter the site.
SITE PERSONALIZATION
Cookies allow users to indicate what types of information they are interested in receiving when they visit a particular site. Users can then view only what they are interested in and not waste time with news or information of no interest to them.
WEB SITE TRACKING
Tracking allows site owners to find out what pages visitors link to, and interpret or infer what is interesting to them. This helps the owners of sites to keep their content fresh and relevant.
TARGETED MARKETING
Cookies can be used to build a profile of where on a particular site you visit. This information is then used to target advertising that might be of interest to you. Some sites use cookies to "remember" which advertisements were sent to you, so that you do not see the same ones again.
SECURITY
Cookies cannot be used to obtain data from your hard drive, get your e-mail address or steal sensitive or personal information about you. The only way that any private information could be part of your cookie file would be if you personally gave that information to a Web server. Also, each cookie can only be read by the server that set it, so strange servers cannot view or steal the information in a cookie that you have previously accepted.
Note also that computer viruses are not passed through the setting or use of cookies.
If you, as a visitor, want to disallow cookies you can do so on your web browser.
