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MAKING THE SECURITY OF INFORMATION A PRIORITY Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code.
Browsing our site: You can browse our sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we won't be able to link your online activity with the accounts you may have with us. Browsing anonymously after you've identified yourself involves setting your browser to disable cookies or deleting the cookies that you have accepted from us. To do this, you'll need to follow your browser's instructions for disabling cookies or deleting cookies.
COLLECTING INFORMATION We collect and use various types of information to service your accounts, save you time and money, better respond to your needs, and manage our business and risks.
Customer Information is categorized in the following five ways:
A. Application Information — information that you provide to us on applications and through other means. Examples include your assets, income and debt.
B. Transaction and Experience Information — information about your transactions and account experience, as well as information about our communications with you. Examples include your account balances, payment history, credit card usage, and your inquiries and our responses.
C. Consumer Report Information — information from a consumer report. Examples include your creditworthiness and credit history.
D. Information from Outside Sources — information from outside sources regarding your employment, credit and other relationships. Examples include your employment history, loan balances, credit card balances, property insurance coverage and other verifications.
E. Other General Information — information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining your eligibility for a product or service.
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification. You may be required to provide evidence of your legal U.S. Residency by way of a copy of a current (non-expired) driver's license, state-issued identification card, Legal Resident Alient Registration card, or acceptable work visa issued by an agency of the U.S. government.
Sharing your personal and account information: We may share customer information we collect about you online to credit bureaus and similar organizations and when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, and the recording of deeds of trust and mortgages in public records. Customer information may also be disclosed to companies that process your requests for products or services, or the sale of your account to another financial institution. We also may share customer information outside our company if we have your consent, such as when you request or when we issue you a credit card or additional financial services and products which we offer or which you have requested and/or applied for.
Linking to other sites: We may provide links to non-Cobblestone Mortgage companies, such as credit bureaus or merchants. If you choose to link to Web sites not controlled by Cobblestone Mortgage, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these Web sites we strongly urge you to carefully study their privacy policies before sharing your information.
E-mail scams: E-mail can be used for sending scams such as a false offer from a company or an alert to a false computer virus. These e-mails are often forwarded with good intention by friends, adding an erroneous level of legitimacy. If you receive an e-mail that you think could be a scam, do not forward it and delete it immediately. If you receive an e-mail warning that a new computer virus is circulating, check the Web site of any one of the well-known anti-virus software companies for validation.
Confirm the validity of all requests for sensitive personal, financial or account information, particularly if they are made with an urgent or threatening tone.
Protecting Yourself from Email and Online Fraud:
Make sure the security features of your computer software, including your Web browser, are up-to-date. Software companies continuously provide security updates to their products. To learn more about keeping your computer security current, get tips and information from Microsoft (http://www.microsoft.com/security/protect/) or visit the National Cyber Security Alliance (http://www.staysafeonline.info/e-tips.html).
Don't take anything for granted. Always keep in mind that forging e-mails and creating fraudulent Web sites is not difficult.
Confirm the validity of all requests for sensitive personal, financial or account information, particularly if they are made with an urgent or threatening tone.
Call the company directly to confirm requests for updating or verifying personal or account information.
Confirm requests for personal or account information by going to the company Web site directly. Open a new browser window, type the Web address and check to see if you must actually perform any activity that an e-mail may be asking you to do, such as change a passcode.
Do not share your IDs or passcodes with anyone. Choose passcodes that are difficult for others to guess and use a different passcode for each of your online accounts. Use both letters and numbers and a combination of lowercase and capital letters if the passcodes or personal identification numbers (PINs) are case sensitive. Change your passcode often.
If you think you may have provided personal or account information in response to a fraudulent e-mail or Web site, report the fraud immediately, change your passcodes and monitor your account activity frequently.
Always sign off Web sites or secure areas of Web sites (for example, Online Banking) for which you use an ID and passcode to enter.
When your computer is not in use, shut it down or disconnect it from the Internet.
Be careful and selective before providing your e-mail address to a questionable Web site. Sharing your e-mail address makes you more likely to receive fraudulent e-mails.
Review your monthly credit card and bank account statements thoroughly. Investigate suspicious items immediately to head off any possible fraud before it occurs
Looking out for children: We do not knowingly market to or solicit information from children under 13 without parental consent. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. While Cobblestone Mortgage works to protect your personal information, you also have responsibility.
Internet safety for children. The Internet is a public network. Children's access to the Internet can allow them to visit inappropriate Web sites and be exposed to unwanted risks. COPPA, the Children's Online Privacy Protection Act, protects children under the age of 13 from the online collection of personal information. Learn more about COPPA on the Federal Trade Commission's Web site. Parents can be proactive by installing filtering software that gives them more control over their family's Internet experience. http://www.ftc.gov/bcp/conline/edcams/coppa/intro.htm
Cyber ethics for children. Cyber ethics is the practice of being a good citizen on the Internet superhighway. Kids should understand the rules of the road, too. Learn more by visiting the U.S. Department of Justice's kids and youth Web site. http://www.cybercrime.gov/rules/kidinternet.htm
Direct Marketing: You can choose not to receive marketing offers from us by direct mail, telephone and/or e-mail. This preference applies to offers from us about our products and services, and about other products that we think may be of interest to you. To minimize the amount of telephone solicitation our customers receive, Cobblestone Mortgage does not offer nonfinancial products and services through telemarketing.
If you elect not to receive product information by direct mail, telephone or e-mail, you will continue to:
Be contacted as necessary to service your account
Be contacted by your Loan Consultant or assigned account representative, if applicable
Receive marketing information included with your regular account mailings and statements and when you visit us online
To help you understand how we record your preferences, you should know that:
Your preferences will be honored among all Cobblestone Mortgage offices.
Since some marketing programs may already be in progress, it may take four to six weeks for your preferences to be fully effective
Tell us your preferences: You may contact Cobblestone Mortgage at 800-564-LOAN (5626) When you contact us, please be prepared to provide the following information for each individual:
First name, middle initial and last name
Address, city, state and zip code
Social Security number
Telephone number (if applicable)
E-mail address (if applicable)
If any of these pieces of information change, please notify us to ensure that your preferences are consistently honored. Each customer may tell us their preferences individually, or you may tell us the preferences for any other customers who are joint account owners with you.
Once you have told us your preferences, we will continue to honor them. You do not need to take any further action.
The NATIONAL DO NOT CALL REGISTRY: Cobblestone Mortgage supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1.888.382.1222 or register at http://www.fcc.gov/cgb/donotcall/. While this will stop most calls, you may still receive calls from businesses where you are a customer.
No Warranties; Limitation of Liability. This Web site includes information, documents, and materials (collectively, the "Contents") that are subject to change without notice.
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