Privacy Policy

Privacy Policy

Shop Your Own Mortgage

Privacy Policy

 

Our mama’s didn’t raise no fools. So, here at Shop Your Own Mortgage, we like to knock before we enter, to ask for permission before we borrow, and to update you on our progress as we move through the stages of helping you get a mortgage. As a result of our transparent process, you will always have a clear idea of who is viewing your documents or how your information is being used. As a matter of fact, our team members take pains to constantly communicate with you about how your documents are being collected and how they are being used. Our process is also outlined for your convenience in this Privacy Policy so that you have a permanent reference for how we at SYOM help maintain your privacy. 

 

On The Website:

 

By using or continuing to use www.syomortgage.com (“The Website”), you agree to this Privacy Policy and the collection, use, and storage of personal information as described:

 

Information We Collect: 

 

Once you start an Application or make an inquiry, you give us your express consent to collect information about you, such as your name, email address, and any other information that you provide us through our Application

 

When you visit our Website, we also automatically collect certain information about you and your activities on the Website. This includes information such as your IP address, your internet browser and operating system type, the date and time of your visit, and the method by which you got to our website (such as by an advertisement, our social media channels, etc.).

 

Cookies and Other Tracking Technologies

Our Website uses cookies (no, not the delicious kind, but we wish) and other tracking technologies, such as web beacons (otherwise known as pixel tags). A “cookie” is a small file placed on your computer that helps us to recognize your browser. We use both first- and third-party cookies and tracking technologies on the Website. These cookies and tracking technologies may collect your information. This allows us to optimize your experience; by using tracking technology, we can monitor how the Website is being used, customize content based on the user, serve advertisements that are relevant to the user, and evaluate the effectiveness of our advertising campaigns. It also helps us to identify problems with the Website, improve the Website, analyze Website traffic, monitor the security of the Website, and gauge the effectiveness of our communications. Most web browsers allow you to adjust your preferences regarding notifications, pop-ups, and cookies. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

 

Tracking

Cookies come in all shapes and sizes. Our first-party cookies and tracking technologies do not track users over time or across third-party websites, and therefore the Website does not respond to web browser do-not-track signals.

 

We also use third-party cookies to display targeted advertisements on both the Website and on third-party websites. These cookies may track users over time and across third-party websites and services. Please note that if you opt-out of advertising cookies, you may still see our advertisements on third-party websites and services.

 

How We Use Collected Information

We use personal information for the following purposes:

 

To complete your loan application;

To respond to and meet your requests;

For our marketing efforts, such as to send you marketing communications that we believe may be of interest to you;

For our business purposes, such as for analysis and to develop new products and services;

To improve the Website; or

For any other purpose to which you consent.

 

How We Share Personal Information

We may share personal information with third parties in order to:

 

Get employment verification, degree verification, title, document import, or other necessary services;

Share Shop Your Own Mortgage Corporation affiliated businesses that provide quality services or products you may be interested in;

Fulfill any purpose to which you expressly consent;

Protect our rights or the rights or safety of others; and

Satisfy certain laws or regulations.

 

We limit the information that we send to service providers such as credit reporting agencies (that run your credit score)….. and require that our service providers only use your personal information to perform/for the services requested (in accordance with this Privacy Policy). We also screen our providers to ensure they have adequate security measures in place to protect your personal information/security.

 

For example, after you’ve authorized us to verify your credit history, we will send the minimal set of information needed (including your social security number) to a credit bureau. By including your social security number, we ensure that we are requesting the correct credit report and associated credit history data in an encrypted form. We would not send the same level of information to a service provider when it is not necessary.

 

Credit Report 

By submitting a loan application or a request to be pre-qualified, you authorize us to share your credit report with our affiliates. Your credit report will be shared solely for the purpose of processing your loan application.

 

Newsletter and Email Communication 

We give you the opportunity to subscribe to Email newsletters and other Email communications. However, if you don’t feel like seeing some amazing content, you can easily unsubscribe by clicking “Unsubscribe” or by following the instructions provided in each Email newsletter.

 

Interactive Help (Chat) 

You may initiate an online interactive discussion, or a “live chat” with a Shop Your Own Mortgage support professional. You should feel free to use this resource at any time to ask for help, request more information, share your concerns, etc. We do not require that you provide any personally identifiable information to use this service; if you volunteer personally identifiable information, however, it will only be used to respond to your request. We maintain transcripts of chat sessions for quality assurance and recording purposes.

 

Corporate Transaction

In the event that we enter into a corporate transaction, such as a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), personal information that we have collected may be transferred in the course of that corporate transaction to the relevant third party purchaser, joint venture partner, merged entity, assignee or similar party.

 

How We Protect Personal Information

Shop Your Own Mortgage uses reasonable physical, technical, and administrative security measures to protect personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For example, we use encryption technologies when transmitting information to and from the Website and with our third-party service providers. Please understand that no security technology is completely secure, and remember that when communicating with Shop Your Own Mortgage, email is not a secure form of communication when transmitting sensitive or personal information. That is why we advise using our mobile app which is protected with encryption to send all documents.

 

Links to Other Websites

The Website may contain links to third-party websites, such as social media websites. This Privacy Policy is only applicable to this Website, and Shop Your Own Mortgage has no control over these third-party websites’ informational practices. Please be sure to review these third-party websites’ privacy policies before visiting these third-party websites.

 

Children’s Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use personal information from children under the age of 13. If we become aware that a child under the age of 13 has submitted personal information to us through the Website, we will immediately delete such information.

 

Access to Information

You may opt-out of any future marketing contacts from us at any time. You can do the following by contacting us via the email address or phone number given on our website and requesting to be taken off our list.

 

You have the ability at any time to:

See what data we have about you, if any;

Change/correct any data we have about you;

Delete any information about you that we are not required by law to keep; and

Express any concern you have about our use of your data.

 

Updates to this Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be immediately effective upon the posting of the updated policy. Your continued use of the Website after these updates are posted represents your consent to the terms of the new Privacy Policy. Please regularly check this Privacy Policy for updates.

 

Terms of Use 

Welcome to our website! Great! Now, that we’ve got the small talk over with, let’s get into the knitty gritty of our terms of use.

 

These Terms of Use govern your use of this website. Please read these terms and conditions carefully before using this website. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please immediately discontinue use of this website (noooo, don’t go) by clicking on that little red ‘x’ in the corner.

 

Content

This website may provide general information about our products and services. Your eligibility for particular products and services is subject to our determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. We do not claim any obligation or responsibility to update or amend any such information. Any dated information is published as of its publication date only. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via this website, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

 

This website may contain links to third-party websites, such as social media websites, which we do not own or control, but which are provided for your convenience (you’re welcome). If you visit a link to another website, you do so at your own risk. The fact that we provide a link to a website does not mean that we endorse, authorize, or sponsor that third-party website, or that we are affiliated with the third-party website’s owners or sponsors. We reserve the right to terminate a link to a third-party website at any time.

 

Although we try to provide accurate and timely information on this website, there may be inadvertent technical or factual inaccuracies, or typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this website.

 

This website’s content, including but not limited to all music, images, icons, text, software, logos, expressions, and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this website’s content is protected by patent and trademark laws, the laws of privacy and publicity, and the various communication regulations and statutes. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

 

Any commercial use of this website or its content is prohibited. You may print a copy of the information contained on this website only for your personal use (for instance, if you wanted to frame a specific page on your wall). This right may be revoked at any time.

 

Accessing the Website

You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing, obtaining, and maintaining all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.

 

Due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, etc, the website may not always be available for your use. By using this website, you agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the website, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the website caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet. For any technical issues, however, you can contact with us at 1.888.662.6929.

 

We may at any time, with or without cause, and without prior notice, deny you access to the website. We may terminate these Terms of Use and your access to the website in whole or in part at any time without prior notice to you. In the event that we terminate this Terms of Use, any applications you have submitted will continue to be evaluated, and any existing transactions you have entered into with us shall remain in effect.

 

The website is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the website during the times you are in a country in which use of the website would be prohibited. You are responsible for compliance with all local laws.

 

To protect the security of your information, we may require you authenticate your identity to conduct certain transactions on this website. It is suggested that you protect your security by always closing your web browser after leaving the website. If you believe that information that you have submitted through the website has been used without your permission, you must tell us immediately. Telephoning us is the best way of keeping your possible losses to a minimum. Call us at 1.888.662.6929 to report unauthorized access. If you fail to notify us, you may be liable for all unauthorized activity on your account.

 

SMS Consent

 

Providing your telephone contact information to us means that you have consented in writing to receive SMS communications (text messages) from us. All SMS Account Notifications in electronic format from us to you will be considered “in writing.” 

 

When consenting to messaging notifications, you authorize Shop Your Own Mortgage, our assigns, successors and servicing agents to send SMS Notifications (as defined below) to any phone number provided to us, our assigns, successors and service agents in connection with your account, application, loan, and closing. 

 

As used in this text messaging disclosure, “SMS Account Notifications” means any SMS (text message) communications from us to you pertaining to your account or loan transaction sent to the phone number provided in connection with this transaction, including but not limited to application processing status, account information, loan information, information requests, document requests, due dates, delinquent accounts, closings and program updates.

 

How to Unsubscribe: You may withdraw your consent to receive SMS Account Notifications by res[onding with “STOP, END, CANCEL. UNSUBSCRIBE, or QUIT,” or by calling us at 1.888.662.6929 at any time. We may interpret your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Account Notifications. Any withdrawal of your consent to use SMS Account Notifications will be effective only after we have had a reasonable period of time to process your withdrawal.

 

To request additional information, contact us by telephone at 1.888.662.6929. In order to access, view, and retain SMS Account Notifications that we make available to you, you must have: (i) a SMS-capable mobile phone, (ii) an active mobile phone account with a communication service provider; and (iii) sufficient storage capacity on your mobile phone.

 

There is no service fee for SMS Account Notifications but you are responsible for any and all charges, including but not limited to fees associated with text messaging imposed by your communications service provider. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account status or settings. We may modify or terminate our text messaging services from time to time, for any reason, and without notice (yes, ghosting is a thing).

 

Consent to Employment Verification

By providing us with your employment information, you provide us with your written consent permitting us to contact third parties to verify your income and employment.

 

Limitations of Liability 

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THIS WEBSITE, OR FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY INFORMATION PROVIDED ON THIS WEBSITE; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING EMAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES (oh that’s where the cap locks button is). Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

 

THIS WEBSITE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

 

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEBSITE, THE WEB. THE SAME APPLIES FOR THE DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR THE WEB.

 

WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THIS WEBSITE WILL NOT INFRINGE UPON THE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

 

You agree to indemnify and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs incurred by us in connection with any claim by a third party (including any intellectual property claim) arising from your use of the website in violation of these Terms of Use or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

 

Other Terms & Conditions

These Terms of Use will be governed by the laws of the United States and the State of California (USA users) and Canada in the Province of British Columbia (Canadian users) without giving effect to any conflict of laws to the contrary.

 

No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

 

If any terms in these Terms of Use change due to applicable law or are declared invalid by order of a court, the remaining terms of these Terms of Use will not be affected. Instead, these Terms of Use will be interpreted as if the invalid terms had not been placed in these Terms of Use. 

 

The headings in these Terms of Use are intended only to help organize these Terms of Use.

 

Changes to Terms of Use 

You agree that we may from time to time amend all or any part of these Terms of Use, including, but not limited to, establishing, increasing, or decreasing the fees and charges for products and services made available through this website and changing the features and functionality of this website. We will notify you electronically of any changes to these Terms of Use as required by applicable law. Your use of the website after the effective date of the change shall constitute your agreement to be bound by the terms of the change. You should also review these Terms of Use periodically for any changes.

 

Last Updated: June 2019

 

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