Privacy Policy

Last updated: May 03, 2018

We value the trust and confidence you show in us when you grant us the privilege to compete for your business.  Privacy is important, and we take your privacy very seriously.  This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.  It applies to information we receive when you register or interact with us on our website, mobile application, products, services (“Service”) or any form of interaction with us. Candor Mortgage (“Candor”, “us”, “we”, or “our”) operates https://candormortgage.com website (“Website”).  The term “site” includes all websites, devices, backups and application or equivalent replacement or substitute featured on Candor that collect personal information from you.

We do not sell your information.  The information we collect is used to provide our Service.  
By continuing to use this Website, you agree to the collection, use, disclosure, and storage of information in accordance with this privacy policy.

How and Why We use Tracking Technologies 

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally, identifiable information may include, but is not limited to, your email address, name, phone number, postal address, Social Security number, or any other information (“Personal Information”) that you submit on an application technology or other forms on this Website.  We collect this information when you request a rate quote, begin an application, or make any inquiry.  

We may also collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.  In addition, we may use third party services that collect, monitor and analyze this type of information to increase our Service’s functionality. 

We collect this information for providing the Service, identifying and communicating with you, responding to your requests/inquiries, and improving our services.

Cookies and Tracking 

We use various technologies to collect information like first-party cookies, third-party cookies, web beacons and tracking technologies.  Cookies are files containing a small amount of data, which may include an anonymous unique identifier.  We may send cookies to your browser while you are using our website.  These cookies and tracking technologies may retain your preferences and account settings during the registration process.  We may use cookies and tracking technologies to collect information, monitor how our website is used, reconstruct activity, serve content, serve advertisements and monitor our advertisement effectiveness.  These cookies and tracking technologies may also allow us to troubleshoot problems or analyze traffic, website security other website analytic purposes.  We may also use web beacons to collect information in our Service and emails.  Web beacons are small single-pixel images that may allow us to deliver cookies, understand usage and determine if an email has been delivered and opened.  

We use both first and third-party cookies on our website.  First party cookies are used to track your usage on this website and do not track you once you leave.  However, we also use third party cookies to deliver targeted advertisements, serve content and tracking on our Website and third-party websites.  You may opt-out, however, you may still see some of our advertisements on third-party websites and services.

By default, web browsers are programmed to accept cookies.  You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, you may not be able to use some features of our Service and we recommend that you leave them turned on.  Some parts of the website may not function properly with cookies turned off.  

California Do Not Track Disclosures: We do not honor or react to do not track requests from browsers.

How We Use and Share Your Information

We may collect personal information about you for the following, but not limited to:

Registration Information: You may need to provide your name, email and select a password to complete your registration and application.  You will use this information to gain access to gain access to your application information and/or document portal.

Identification: You may need to confirm your identity.  This may include your name, address and financial information.

Application: In connection with your mortgage application, you may be asked to provide additional information or documentation which may be shared with our affiliates and partners to procure the processing of your loan application.

Credit Report: By submitting your loan application or form with social security number, you are authorizing us to review your credit from the bureaus.  You are further authorizing us to share your credit report with our affiliates and partners to assist us in qualifying, processing and closing your loan application.  Credit reporting agencies may independently share your information with other companies when you apply for a home loan.  As a result, you may receive offers by phone, mail or emails that you did not ask to receive.  You may stop these offers by calling (888) 567-8688 or visiting www.optoutprescreen.com.  

Third-Party Sites: Candor uses third-party sites (“Third-Party Sites”) to enhance or fulfill a business service.  For example, we may use a third-party site to gather financial information from institutions.  These third-party sites may transmit information securely over the internet.  By using our Service, you grant third-party sites the right, power and authority to transmit your personal and financial information over the internet in accordance with their third-party privacy policies.

Service Providers: On a confidential basis, we may provide your information to our service providers.  This may include but not limited to wholesale lenders, title companies, escrow companies, appraisers, credit reporting services, asset verification services, income verification services, etc.

Newsletter: We may provide you the option to subscribe to our email newsletter and email communications.  You may unsubscribe or opt-out at any time following the instructions contained in the emails you may receive.

Interactive Help (Chat System): You may choose to interact with us over an online interactive chat system.  The information you voluntarily provide will be used to respond to your request.  We may maintain transcripts of our chat sessions.    

Compliance with Laws

We will disclose your Personal Information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Service.

Security

The security of your Personal Information is important to us, and we strive to implement and maintain reasonable, commercially acceptable security procedures and practices appropriate to the nature of the information we store, to protect it from unauthorized access, destruction, use, modification, or disclosure.  However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the Personal Information we have collected from you.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.  We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children’s Privacy

Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 (“Children”).  We do not knowingly attempt to solicit or received any information from children.

We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a child under age 13, we immediately take steps to remove that information from our servers.

Changes to This Privacy Policy

This Privacy Policy is effective as of May 03, 2018 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.  Please regularly check this Privacy Policy for any updates.

Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected] or (800) 714-3184.