Last Modified: 12/30/2019
In the course of business, RoundPoint Mortgage collects confidential information from its customers. Below is information about how RoundPoint Mortgage collects, uses, and shares your information.
WHAT IS PERSONAL INFORMATION
Personal information means the data collected can be used to identify a specific individual from another. The types of personal information collected and shared depend on the product or service you have. This information can include but is not limited to:
• Social Security number and income
• Account balance and transaction history
• Credit history and employment information
• Information concerning you as a user of RoundPoint Mortgage’s Website, including your IP address
If you are a current RoundPoint Mortgage customer, you can access and update certain personal information in the following ways:
• Through your online Customer Care Network account, or
• Contact us at firstname.lastname@example.org and request to review, amend, or delete certain personal information collected by us. If you are working to refinance your mortgage with us, please contact email@example.com.
• Please note that all information collected through our Website may not be deleted.
Opt Out Policy
RoundPoint Mortgage is committed to the highest standards in protecting the confidentiality of your information and to ensuring compliance with applicable federal, state, and local laws. Please read RoundPoint Mortgage’s consumer privacy notice carefully to understand how your information is protected. Use the link below specific to your state of residency to view RoundPoint Mortgage’s consumer privacy notice.
California Customers: Click here
Alaska, Connecticut, North Dakota, and Vermont Customers: Click here
All Customers residing in states not listed above: Click here
Information Collected Through Your Transactions and Our Website
Many financial companies need to share customers’ personal information to run their everyday business. RoundPoint Mortgage collects information from Website visitors and obtains information from third parties (including from service providers) in the course of providing mortgage and loan services (“Services”), which may add to the data obtained through the Website. The information collected includes:
Personal and Loan-related Information
You may provide us information, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the origination of loans. For our servicing customers, this information is also obtained through your loan originator or prior servicer.
We may also create transactional records of each of the transactions or other events on your account, including those occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable RoundPoint Mortgage to comply with various legal obligations.
Device and Usage Information
Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website.
Cookies and Other Technologies
Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit. We do not respond to “do not track” browser signals at this time. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns.
Third Party Usage
RoundPoint Mortgage’s third party business partners may collect information about your online activities over time and across different internet websites or online services when you access RoundPoint Mortgage’s website or online services.
How We Use Information
Federal Law requires RoundPoint Mortgage to tell you how we collect, share, and protect your personal information. We and service providers working on our behalf use information collected through your transactions and on our Website in a variety of ways, including the following:
To Provide our Services
We use the information that we collect (i) to complete your mortgage transactions, such as to apply your payments; (ii) to operate, maintain, enhance, and provide our Website and our Services; (iii) to provide other services and information that you request; and (iv) to provide customer support to you and other parties.
To Improve, Analyze, and Personalize our Website and Services
We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
To Contact You
We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and Services. Generally, you have the ability to opt out of receiving promotional communications as described above in Opt Out Policy.
We aggregate data collected through our Website and use it for various purposes, such as compliance with various reporting obligations and creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.
Federal law gives consumers the right to limit some, but not all, sharing. Alaska, Connecticut, North Dakota, and Vermont laws state that RoundPoint Mortgage cannot share residents’ personal information without their permission. In all states, RoundPoint Mortgage may share, transfer, or disclose your information for its business transaction purposes, such as sharing your information with a third party in order to process your payment. RoundPoint Mortgage may also provide certain information to others when the law requires it if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request; (b) to enforce our agreements, policies and terms of service; (c) to protect the security or integrity of our Website or Services; (d) to protect the property, rights, and safety of RoundPoint Mortgage, our users, or the public from harm or illegal activities; (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person; or (f) to investigate and defend ourselves against any third-party claims or allegations.
Our Policy Concerning Children
Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If it is known that a child under 13 has provided personal information through our website, we will take steps to delete such information.
Social Security Number Protection Policy
Social Security numbers are classified as “Confidential” information under RoundPoint Mortgage’s Information Security and Privacy Policies. As such, Social Security numbers may only be accessed by and disclosed to RoundPoint Mortgage associates and others with a legitimate business purpose in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic, and procedural safeguards, and must be stored, transmitted, and disposed of in accordance with the provisions of the Information Security Policy applicable to Confidential information. These restrictions apply to all Social Security numbers collected or retained by RoundPoint Mortgage in connection with customer, employee, or other relationships.
Privacy Policies of Linked Sites and Advertisers
Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites, such as credit bureaus, service providers, or merchants. In the event you choose to navigate to those third-party sites that are not affiliated or controlled by RoundPoint Mortgage, you should review their privacy and security policies and other terms and conditions, as they may differ from RoundPoint Mortgage’s practices. RoundPoint Mortgage is not responsible for the privacy or security of these third party sites, and it does not guarantee the advice, opinions, services, products, or recommendations provided by these third party sites. If you have any questions about how these other sites use your information, you should contact these companies directly.