Schmidt Mortgage Corporation

Schmidt Mortgage Corporation (Schmidt Mortgage) is committed to respecting the privacy rights of all users of this web site ("web site"). The following policy describes how Schmidt Mortgage seeks to assure all users how it protects information provided or collected through this web site.

Schmidt Mortgage collects your personal financial information and other data that may enable a third party with access to such information to personally identify you, and which includes but is not limited to information you provide on a loan application and a credit report. This personal information is used solely by Schmidt Mortgage, and selected affiliated entities, for purposes of processing your loan and providing products and services of interest to you, and is not distributed or disclosed to non-affiliated third parties. To process your loan inquiry, Schmidt Mortgage will obtain a credit report. The information contained in the credit report is used solely for the purpose of analyzing your credit history, verifying the debt information you provide to us, and qualifying you for a loan.

All personal information that you input online is encrypted by the Secure Sockets Layer (SSL) system that establishes a secure connection between you and Schmidt Mortgage. Our Secure Socket Layer (SSL) is believed to be one of the top commercially available encryption standards as of December 31, 1999 . Transmissions between the web site and you are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. This technology requires a SSL-capable browser such as MS Internet Explorer 3.0 (or later) or Netscape Navigator 2.0 (or later). If you have an earlier version of Internet Explorer, Netscape Navigator, or use a different browser that does not support a 128 bit encryption standard, then a 48 bit encryption standard will be used. If your browser is not SSL capable, then this web site will not permit any data to be sent to our database.

 

Cookies are bits of electronic information that a web site can transfer to a user's hard drive to help tailor and keep records of a user's visit to a web site. Cookies allow web site operators to better customize web site visits to the user's individual preferences. The use of cookies is standard on the Internet and many major web sites use them. Although most web browsers automatically accept cookies, you can usually change browser settings to prevent or provide notification whenever a cookie is sent, thereby giving you the opportunity to decide whether or not to accept it. Even without accepting a cookie, you can still access most of the features on the web site. Schmidt Mortgage uses cookies in order to help provide its users with a better experience on this web site.

 

Schmidt Mortgage does not disclose any information collected from you to unaffiliated third parties. Upon receipt of your personal information, Schmidt Mortgage may share the personal information about you, including information from your loan application, with its affiliates (but not unaffiliated third parties) in order to offer products and services of interest to you. If you would rather Schmidt Mortgage not share information about you with its affiliates, please e-mail us at vschmidt@schmidtmortgagecorp.com

If you do not respond to this Privacy Policy Notice by e-mail or in writing as set forth in the above paragraph within thirty (30) days of providing personal information on the web site, the ability to opt out may no longer be available. Even if you elect to opt out in the manner set forth above, Schmidt Mortgage will be entitled to share with its affiliates your name, address, and information relating to its "transactions and experience" with you, as permitted or required by Federal law.

 

After gathering any information from you, Schmidt Mortgage offers you the opportunity to remove certain personal information from our database so as not to receive future communications, or to no longer interact with the web site until you later chose to. Schmidt Mortgage additionally provides you the opportunity to update and modify any personal information you have previously provided. Please be advised that Federal and State regulations require Schmidt Mortgage to retain certain aggregate data about our customer base.

To send requests to either (i) opt out or no longer receive communications from this web site; and/or (ii) to view, edit, and revise personal information in our database, please send a request to vschmidt@schmidtmortgagecorp.com . After you have viewed and modified the personal information, you should send the revised version to the addresses listed in the preceding sentence so that your records can be correctly updated.

In an attempt to provide increased value to our users, Schmidt Mortgage may choose various third party web sites to link to, from, and frame within, its own web site. However, even if the third party is affiliated with us, Schmidt Mortgage has no control over these linked web sites, each of which is independent of this web site and may have separate privacy and data collection practices. Schmidt Mortgage has no responsibility or liability for these independent policies or actions, and is not responsible for the privacy practices or the content of such web sites. These linked web sites are only for your convenience, and you therefore access them at your own risk. Nonetheless, Schmidt Mortgage seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own web site, but for web sites it links to as well (including if a specific link does not work).

 

If Schmidt Mortgage decides to change its privacy policy, it will post those changes on this page so that you are always aware of what personal information we collect, how we use that information, and under what circumstances we disclose such information. Questions regarding this privacy policy should be directed to the web site coordinator at vschmidt@schmidtmortgagecorp.com

Schmidt Mortgage welcomes your questions, comments, and concerns about its privacy policy. Please send us any and all feedback pertaining to this, or any other issue.