Privacy Policy Notice – updated 03/21/2018
This privacy notice discloses the privacy practices for Residential Wholesale Mortgage, Inc. (RWMI) dba Pacific Capital Mortgage (rwmloans.com). This privacy notice applies solely to information collected by this website. It will notify you of the following:
- What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
- What choices are available to you regarding the use of your data.
- The security procedures in place to protect the misuse of your information.
- How you can correct any inaccuracies in the information.
Click Here to View Our Privacy Form
Information That We Collect
We are the sole owners of the information collected on this website. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. If you apply for a loan, we may collect nonpublic personal information from you and about you through the following: Applications, Forms, Consumer Reporting Agencies, Credit Reporting Agencies, and our affiliates. If you do not want to receive information from us, please see the “Contact Us/Opt Out” section below. Under certain circumstances, we may send important information via email regarding the site or services to users. Since such information could be important to your use of the site, it may not be possible to opt out of receiving such emails.
When you visit our website, we collect non-personal information about the browser, IP address, internet service provider, date and time, and operating system you are using. We also obtain what site you came from and what website you visit upon leaving rwmloans.com, if any. We monitor, record, and log your website use without notification to you in an attempt to enhance our website for our users. We do not use such data to create or maintain a personal profile of you or to collect personally identifiable information from you.
Our Use of the Information We Collect
We will not sell or rent this information to anyone. We will use your information to respond to you regarding the reason you contacted us. We will not share your information with any third party outside of our organization or vendor affiliates, employees, contractors, agents, and designees beyond what is necessary to fulfill your request unless you provide consent.
We reserve the right to disclose nonpublic personal information when we believe that it is necessary to do so for the following reasons:
- To comply with the law, legal processes, or government requests.
- To investigate, detect, or prosecute criminal offenses or attacks on the site or network
- To protect rights, property, and safety of Residential Wholesale Mortgage, Inc., our employees, site users, and the public.
Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products and services, or changes to this privacy policy. By providing your phone number, you are granting Residential Wholesale Mortgage, Inc. (RWMI) and our employees the right to contact you via telephone, mobile SMS and/or MMS. Your consent enables us to contact you even if your number is listed under Do-Not-Call (DNC) lists including any RWMI corporate, state, federal, or national Do-Not-Call (DNC) list. We reserve the right to transfer any and all information gathered on the site to unaffiliated third parties in the event of a sale or transfer of assets or portion of our business.
Cookies, Pixel Tags, & Web Beacons
We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s computer or mobile device to help us improve your access to our site and identify repeat visitors to our site. Pixel tags are pieces of code that are placed on websites to help read and place cookies. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our website and our marketing activities to consumers. Web beacons are often referred to as “tracking pixels” or “clear gifs” and they are used in same capacity as cookies. Usage of a cookie is in no way linked to any personally identifiable information on our website. Some of our third party business partners may use cookies or beacons on our site (for example, advertising partners). However, we have no access to or control over these. You have the ability to decide whether to accept or reject cookies by adjusting your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use and access our website, but some access points and website functionality may be limited or disabled.
“Do Not Track” Requests
Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a “Do Not Track” (DNT) or similar feature that signals to websites that a visitor does not want to have his/her online activity and behavior tracked. If an online service elects to respond to a particular DNT signal, the service may refrain from collecting certain personal information about the browser’s user. While our site responds to DNT requests, we utilize third party businesses that collect personally identifiable information about an individual consumer’s online activities over time and across different websites when a consumer uses this site that do not respond to DNT signals. Because of this, we do not fully respond to DNT requests.
Your Access and Control Over Information
You may opt out of any future contact from us at any time. You can do the following at any time by contacting us via the contact form, chat box, or phone number provided on our website:
- See what data we have about you, if any.
- Correct any data we have about you.
- Have us delete any data we have about you, if applicable by law.
- Express any concern you have about our use of your data.
When you apply for a mortgage loan with RWMI through this website, you can always request changes to personal information collected through this website by contacting the loan originator or processor assigned to your loan application.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing, customer service, or loan origination activities) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment. However, no electronic security system can be guaranteed to be 100% secure. We take your online privacy seriously and you can be assured that we will do everything in our power to ensure that any information provided by you will be kept confidential.
Children Under 13
This site does not target children under 13 years of age and we do not knowingly collect personally identifiable information from children in that age range. If you are younger than 13, please do not provide any personally identifiable information. If it comes to our attention that we have collected and stored the personal information of anyone under the age of 13, it will be immediately deleted.
Third Party Links
This website contains links to third party sites. Please be aware that we are not responsible for the content or privacy practices of such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that they visit after leaving rwmloans.com.
Changes to the Privacy Policy
We reserve the right to update, edit, and otherwise change this privacy policy at any time. Any said changes will be effective upon posting. By using this site, you are agreeing to the terms of this privacy policy, so we encourage site users to regularly review our privacy policy to ensure that they are up to date on it.
California Privacy
Under California Law, California residents have the right to request in writing from businesses with whom they have an established business relationship, (1) a list of the categories of Personal Information such as name, email, and mailing address and the type of services provided to the customer, that a business has disclosed information to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes and (2) the names and addresses of all such third parties. To request the above information, please review the Contact Us section below.
Please contact us at 1-800-965-6266 or by submitting a form on the contact us page if you:
- Have any questions about any personally identifiable information of yours that we have on hand
- Would like to change any personally identifiable information of yours that we have on hand
- Would no longer wish to receive materials from us
- Want your personally identifiable information removed from our records
Additionally, you also have the ability to no longer receive emails from us by making use of the “opt out” provision that are included in those emails. If you have any questions about this Privacy Policy or our practices, please call us at 1-800-965-6266 or by submitting a form on the contact us page.
