Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information.
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
- We will collect and use of personal information solely with the objective of fulfilling those purposesspecified by us and for other compatible purposes, unless we obtain the consent of the individualconcerned or as required by law.
- We will only retain personal information as long as necessary for the fulfillment of those purposes.
- We will collect personal information by lawful and fair means and, where appropriate, with the knowledgeor consent of the individual concerned.
- Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessaryfor those purposes, should be accurate, complete, and up-to-date.
- We will protect personal information by reasonable security safeguards against loss or theft, as well asunauthorized access, disclosure, copying, use or modification.
- We will make readily available to customers information about our policies and practices relating to themanagement of personal information.
Please read the following policy to understand how your personal information will be treated as you use our services. This policy is provided to you as required by the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and the appropriate regulations and guidelines thereunder.
The Security We Use to Protect Your Information
We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.
What Information We Collect From You
We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.
Sharing of the Information Gathered on This Site
We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
What Cookies Are and How They Are Used
This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites. If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.
Updating or Deleting Your Information, Including Demographic and Profile Data
You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.
Demographic and Profile Data
We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Jay Dacey Mortgage Team Inc's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Jay Dacey Mortgage Team Inc's web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Jay Dacey Mortgage Team Inc at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on Jay Dacey Mortgage Team Inc's web site are provided "as is". Jay Dacey Mortgage Team Inc makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Jay Dacey Mortgage Team Inc does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
In no event shall Jay Dacey Mortgage Team Inc or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Jay Dacey Mortgage Team Inc's Internet site, even if Jay Dacey Mortgage Team Inc or a Jay Dacey Mortgage Team Inc authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on Jay Dacey Mortgage Team Inc's web site could include technical, typographical, or photographic errors. Jay Dacey Mortgage Team Inc does not warrant that any of the materials on its web site are accurate, complete, or current. Jay Dacey Mortgage Team Inc may make changes to the materials contained on its web site at any time without notice. Jay Dacey Mortgage Team Inc does not, however, make any commitment to update the materials.
Jay Dacey Mortgage Team Inc has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Jay Dacey Mortgage Team Inc of the site. Use of any such linked web site is at the user's own risk.
8. Governing Law
Any claim relating to Jay Dacey Mortgage Team Inc's web site shall be governed by the laws of the State of Minnesota without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
2862 Middle St.
St. Paul, Minnesota 55117