Your privacy is important to us, which is why we work hard to protect it. The information that you provide us is always kept in the strictest confidence. We have no intention of selling your non-public personal information to any non-affiliated third parties. We make this commitment to you with pride because your trust is the foundation of our business. To protect your privacy and maintain your confidence in us, we have developed the following polices. These policies describe the strict standards we have in place to protect your confidentiality. Therefore, we ask you to please read this information carefully. We will tell you the sources of non-public personal information we collect from you. We will then tell you what steps we take to protect that information. We first define some terms used in this notice:

• "We", "our" and "us" mean BlueMortgage™, Blue Mortgage™, BlueMortgage.com™

• "You" and "your" mean those consumers who have provided us with non-public personal information for the purpose of determining whether he or she qualifies for a mortgage loan, and those customers who have obtained real estate settlement services from us.

• "Non-public personal information" means personally identifiable financial information about you that we collect in connection with providing a financial product or service to you. This does not include information that is available from public sources, such as government real estate records.

• "Affiliate" means a company we own or control, a company that owns or controls us or a company that is owned or controlled by the same company as us.

• "Non-affiliated third party" means a company that is not an affiliate of ours.

We collect non-public personal information about you from the following sources: information that we receive from you on applications or other forms; information about your transactions with us, our affiliates or others; and information we receive from a consumer reporting agency. We do not disclose any non-public personal information about our consumers, customers or former customers to anyone, except as permitted by law. We restrict access to non-public personal information about you to those employees who need to know that information to provide the requested products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information. If you have any questions regarding our privacy policy, please call us at 1-866-446-4050.

Information we collect. When you visit BlueMortgage.com, or any of its affiliated websites, you complete a simple application that includes certain personal and financial information about you, including your name, phone number, social security number, email address, income and other financial information depending on your expressed loan preference. This information will not be shared or sold to any person or organization, except as authorized by you, to our authorized loan officers, or as may be required by law or court order.

If you email us, your name and other identifying information will not be sold or shared with any person or organization. However, your email address or telephone number may be used by authorized BlueMortgage.com™ employees to contact you concerning your comments or questions.

The "B2B Solutions" section of our site contains information for other companies who wish to join one of our partnership programs. The "Affiliate Program" sub-section contains information for other companies who wish to join the BlueMortgage.com™ Affiliate Program and advertise our service on their site. If you would like to be an affiliate, you may submit an application containing personal information, such as your name, email address, telephone number and address. You will receive an email from BlueMortgage.com indicating whether you have been approved to participate in the Affiliate Program. If approved, we will use your email address to inform you of Affiliate Program news and updates. You may withdraw your membership from the Program at any time by sending an email to: affiliates@bluemortgage.com. If you choose to withdraw, you will not receive any further emails regarding the Affiliate Program.

If you use BlueMortgage.com’s service through an affiliate site, under no circumstances will an affiliate ever see your information. BlueMortgage.com will never sell or share your information with an affiliate. All transactions take place on BlueMortgage.com’s servers; please see our “Security Statement” for more information on how we protect the integrity of your data.

If you use BlueMortgage.com’s service through one of our private-labeled sites, the partner company will report certain information about your loan to BlueMortgage.com, and BlueMortgage.com will treat that information in the same manner with which we treat personal information entered on our site. All of our partners operate under federal and/or state laws and regulations and believe, as we do, that the Internet is an exciting and secure place to do business. However, as some of our partners may keep and use your information, we recommend that you contact them directly for more information about their specific privacy policies.

Security Statement

Secure web pages. All of the pages on our website that ask for your personal information are delivered to your browser through HTTPS, a secure server communications layer. To verify the security of a page, look for the “lock” (in Internet Explorer) or “key” icon (in Netscape) on your browser.

Encryption technology. When you send your personal financial information to BlueMortgage.com, it is protected by the Secure Sockets Layer (SSL) system. SSL prevents anyone from intercepting or reading your personal information by encrypting, or translating, the data into a string of gibberish characters. Only we can decode the encryption.

Firewall protection. Your financial information is not kept on our web server, but on a different computer that is separate from the Internet. Even in the unlikely event that our website is “hacked,” your data will still remain safely out of reach.

Password protection. To obtain any information about your loan status, you are required to enter a username and password. This procedure is in place to prevent unauthorized users from accessing your account and personal information.

Cookies & Browsers

This site uses a feature of your browser called a "cookie' to assign a "User I.D.". Cookies, by themselves, cannot be used to find out the identity of any user. Your BlueMortgage™ User ID automatically identifies your computer - but not you - to our servers when you visit BlueMortgage.com. or other Blue Mortgage™ Web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

If you have any questions about privacy, security or applying online, please call us at 1-866-446-4050 or email us at info@bluemortgage.com. We would be happy to take your application over the phone, via fax or mail.
 

Other Ways to Protect Your Privacy

Marketing Lists

You can reduce the amount of marketing material and credit applications you receive via mail, telephone or e-mail by writing the Direct Marketing Association at the addresses listed below. You must provide your name, address and telephone number with your request.

Mail Preference Service
c/o Direct Marketing Assn.
P.O. Box 9008
Farmingdale, NY 11735-9008

Telephone Preference Service
c/o Direct Marketing Assn.
P.O. Box 9014
Farmingdale, NY 11735-9014

E-mail Preference Service
www.e-mps.org

Identity Theft

Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.

Experian		888-397-3742
Equifax		800-525-6285
Trans Union		800-680-7289

You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Experian		888-397-3742
Equifax		800-685-1111
Trans Union		800-916-8800

Please note that this contact information is being provided as a service to you. Blue Mortgage™ is not affiliated with any of these services and cannot guarantee their effectiveness.

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