Our Commitment to your Privacy
How do we Obtain your Information?
Most of the information we collect comes from our consumers via phone calls, our website, smartphone app, or in-person office consultation. We also collect information from other sources such as public records and credit repositories. During the course of processing your loan request we may accumulate non-public personal financial information about your income, your assets, and your credit history necessary to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to employees and lending partners who need to know that information to provide products and services to you.
Our website or smartphone app is not designated for or directed to any person below the age of majority. Personally Identifiable Information collected via website or smartphone app that we later find is from an individual that has not reached the age of 18 will be immediately deleted from our systems.
Our website may track usage data to not only personalize your experience, but also collect aggregate data to improve our site and offerings. Anonymous information collected during your browsing session may include your IP address, your browser type and version, your operating system, and page(s) you are viewing. Anonymous information does not identify you personally.
Personally Identifiable Information
Personally Identifiable Information is information that identifies you. During an online application process a wide variety of personal and financial data is collected. Such Personally Identifiable Information may include:
· Debt Information (Credit Card/Loan Account Numbers and Balances)
· Social Security Number
· Demographic Information (Age, Birth Date, Gender) Other Financial Information (Assets, Expenses)
This type of information is used to qualify or apply for a home mortgage.
Your personal information is solely used to provide you with services you have specifically requested and/or to inform you about other services or information you may be interested in. If you do not fully complete an online application your partial information may be used for internal analysis or to offer you other home mortgage products that may meet your needs. We do not share, sell, or rent your personal information to anyone outside of our company for the purposes of marketing other products or services to you.
We will retain your information as needed to provide you with services. If you wish to cancel your application or request that we no longer use your information to provide you with services you may contact us at 803.707.9997 or via email at firstname.lastname@example.org. We may, however, be required to securely retain certain information and supporting exhibits on file for certain periods as set by Federal and State Code.
Sharing Personal Information
Personally Identifiable Information about you, as well as email addresses, will be disclosed to third parties only as described in our Privacy Notice. We do not share, sell, rent or trade your Personally Identifiable Information with third parties for their promotional purposes. When Kwest Mortgage Group LLC shares your personal information with vendors and service providers who perform functions on our behalf, we require that your information be kept secure and confidential.
Submitting Information Online
Information you provide via electronic forms on our web portal or smartphone is secure and encrypted in most instances. You may check that your web session is secure by looking for a small lock symbol usually located to the left of the website address bar. Current versions of leading web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters “https://” at the beginning of your website URL in your web browser. The “s” means that the web connection is secure.
Cookies and Monitoring
When you use our website, your sessions may be monitored. We utilize web tools to collect information that will help us optimize our website, offers, forms and other features that will make our customers and visitors’ experiences better.
We ask that you do not send confidential information such as social security or account numbers to us via an unsecured email. Such communications should be sent to us via our secure application portal, secure smartphone app, USPS mail, telephone, or in a personal in-office consultation.
If you prefer that we do not send you email communications for marketing purposes you may opt-out at any time. Simply reply ‘Remove’ to any correspondence you receive.
Social Media Policy
Due to the public nature of social media websites please do not share directly your personal and confidential information with us over these websites.
Kwest Mortgage Group LLC’s website may use remarketing services to advertise on third-party websites, including Google, to consumers who have previously visited our website. “Remarketing” refers to a service that helps us reach out to our website visitors, regardless of whether or not they apply or receive a loan from us.