Commitment to Privacy Protection for Its Customers
Stockton Turner LLC (ST) is committed to safeguarding the individual privacy rights of all of its customers. ST strongly believes that it has a responsibility to protect from disclosure to unauthorized parties the nonpublic, personal information (e.g., name, address, date of birth, social security number, etc.) of its customers. Therefore, ST has adopted and implemented this privacy policy to protect your account and nonpublic personal information.
Section 1. Collection and Receipt of Nonpublic Personal Information
Since you are our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, assets, and income. We collect this information from the following sources:
- Information we receive from you or your representative on loan applications, verifications, correspondence, e-mail and other communications;
- Information received from credit reporting agencies and public records, used to verify your identity, to assess creditworthiness, or to better understand your need for products or services;
- Information received from other lenders or financial institutions when, with your consent;
- Information that ST may automatically collect and store from all website customers;
Section 2. Notice and Disclosure
ST does not sell, trade, or disclose nonpublic personal information of its customers to any unauthorized third parties. However, ST is required to share your information in the delivery of financial products and services, in the following circumstances:
1) When you have authorized the disclosure of information in circumstances including but not limited to certifications you have made on loan applications to financial institutions/investors which offer and underwrite mortgage loan programs.
3) When ST needs to share your information to provide products or services that you requested; for example, as when an authorized credit check is performed.
4) When ST is required to disclose your information by order of court or subpoena, pursuant to state, local, federal, or international statute, regulation or mandate, and in cooperation with law enforcement agencies.
Additionally, ST sometimes shares information with other companies that perform services, or produce goods and products, which ST does not. For example, we sometimes use outside companies to print documents, prepare statements, to perform software programming, or to provide loan processing support. When outside companies are used, ST provides them with only the information needed to perform that particular service. Before representatives of the outside company receive such information, we require that they sign an agreement to keep all nonpublic personal or proprietary information confidential. These outside companies may not use this information for their own purposes.
Section 3. Access to Written (Hard Copy) Information
No hard copy customer files are to be left on desks in areas where persons other than ST employees have access. All customer files must either be stored each evening either in locked filing cabinets or in locked offices. Hard copy documents containing customer information no longer necessary for the processing of the mortgage loan application or otherwise required to be maintained for file retention purposes are to be immediately shredded or placed in locked storage cabinets until such time as the documents may be shredded/destroyed.
Section 4. Data Quality and Access
ST will take all reasonable steps to assure that the information about its customers is accurate, complete, and timely for the purpose for which it is intended to be used. ST will take every measure to establish appropriate processes or mechanisms so that inaccuracies or errors in customers’ information may be corrected timely by ST. For information on how to contact ST, refer to the How to Contact ST section of this ST Privacy Policy. ST will try to make these processes and mechanisms as simple and easy to use as possible, while providing assurances that the erroneous and inaccurate information has been corrected timely.
The information contained on ST websites is subject to change without prior advance notice.
Section 5. Data Security
Securing customers’ nonpublic personal information is very important to ST. Therefore, ST has implemented several security measures to protect customers’ personally identifying information from loss, misuse, or alteration.
When customers send personally identifying information to ST via ST websites, ST requires that a secure session be established first, using Secure Socket Layer (SSL) technology. Basically, SSL does three things:
- Creates a secure communication channel by encrypting communication between the user and the server.
- Authenticates that the server to which you are connected is indeed correct. You can be assured that you are actually communicating with us, and not a third party trying to intercept the transaction.
- Conducts a cryptographic word count to ensure data integrity between the server and the user. He word count (or checksum) provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this check sum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.
For security purposes, ST uses special software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to ST websites. These programs do not collect personally identifying information about customers, but do enable ST to collect information allowing ST to identify website users attempting to tamper with ST websites. ST has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of ST websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal laws against any individual engaging in such activity. Additionally, ST will seek the maximum amount of civil damages available under the law for the unauthorized use and/or misuse of its websites and computer systems.
Please note that when customers send electronic mail messages (e-mail) to ST, the customers’ messages will contain the customers’ return e-mail address. Thus, ST may utilize customers’ e-mail addresses in responding to customer inquiries and the content of customers’ e-mail in formulating a response. ST will permanently record and store any substantive e-mail received from its customers.
Customer e-mail sent to ST is not necessarily secure against interception. Do not initiate communication with ST by e-mail if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect.
Section 6. Links to Other Websites
ST may have links on its websites to other vendors and third parties. These links give customers the opportunity to explore opportunities with vendors or third parties having a relationship with ST.
Customers should be aware that other websites to which a customer links from ST websites may contain privacy policies, statements, promises, or provisions that differ from the ST Privacy Policy and customers are encouraged to fully review the privacy statements of other websites to determine whether or not the customers’ use of the sites comports with the customers’ desire to maintain the privacy of his/her personally identifying information.
ST expressly forbids others to link to an ST website without gaining authorization from ST first.
If you wish to link to an ST website, contact ST at:
Website Linking
Stockton Turner LLC
2250 Lucien Way #140
Maitland, FL 32751
branchsupport@stocktonturner.com
Section 7. Contacts from ST
ST will contact its customers via phone, e-mail, fax, and regular mail depending on the relationship between ST and the customer. The nature, method, and frequency of contact will all be driven by the relationship between the customer and ST. It is important to note that ST will reasonably accommodate customers’ requests for a specific type of communication except in instances involving matters with prescribed communication requirements.
Section 8. Changes to ST’S Privacy Policy
The ST Privacy Policy may be modified when necessary to conform to federal, state, local, and international laws and regulations, and at other times to conform to technological changes, court decisions, or changes in ST policy. Changes to the ST Privacy Policy will be notated here when made so that customers may be fully informed about the privacy protections afforded to customers by ST enabling customers to make an informed decision concerning a customer’s opt-out choices. It is recommended that customers check the ST Privacy Policy each time a customer visits an ST website.
Section 9. How to Contact ST
ST will strive to keep customer account data accurate and up-to-date. If a customer ever believes that the customer’s account information is not correct or incomplete, please feel free to contact ST using the contact information listed below. ST will investigate and correct any inaccuracies as quickly as possible.
Should a customer have any questions, concerns, or desire additional information concerning the ST Privacy Policy please contact ST by one of the following means:
E-mail: branchsupport@stocktonturner.com
or mail your inquiry to:
Stockton Turner LLC
2250 Lucien Way #140
Maitland, FL 32751
Attn: Privacy Policy
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