2015 Privacy Policy

At Castle & Cooke Mortgage, LLC (“CCM”), we have made the decision not to share customer information that you entrust to us, except with our affiliates as described below, and except as permitted (or required) by applicable laws and regulations. CCM respects the privacy of its customers, and it is our policy to maintain your information in a confidential manner. We are committed to providing our customers with the highest level of service, which includes respecting the security and privacy of our customers’ personal information.

Following is a description of the type of information we collect, how the information is used, and what we do to keep the information secure.

Information We Collect

We collect publicly available information and non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms
  • This information could include your name, address, social security number,   employment information, income, and account numbers
  • Information about your transactions with us, our affiliates, or others. This information could include loan balance, payment history and other account information.
  • Information we receive from others, such as credit bureaus, appraisers, or employers. This information could include credit bureau reports, employment verification and any other information related to your credit worthiness
  • Information about other credit relationships when we verify personal information you have provided us. This information could include account balances and payment history

How We Use Your Information

CCM uses the information collected to provide to you the service you requested. Information may be shared with or used by CCM, its affiliates and unaffiliated third parties for a number of authorized purposes, such as:

  • To protect your accounts from unauthorized use or identify theft
  • To process your requests, such as loan applications
  • To service or maintain your account, such as process payments
  • To respond to a subpoena, a fraud investigation, or other legal process
  • To respond to credit bureaus, or similar reporting agencies, and government agencies
  • To transfer your loan or account to another financial institution or third party that buys your loan or account, or if we sell or combine parts of our business
  • To engage another company to collect on your account
  • To keep you informed of financial services CCM can provide that it feels may be a benefit or of interest to you

Sharing Your Information
Nonaffiliated Companies – In order to provide the products and services that you have requested or already have with CCM, from time to time CCM will share customer information with certain unaffiliated companies as permitted or required by law. These companies may include (but are not limited to) financial service providers such as insurance companies, title companies, appraisers, non-profit organizations, etc. We make every effort to require these companies to adhere to strict privacy standards. In the event that CCM intends to share information with unaffiliated companies to allow them to market their products or services to you, CCM would be required by law to disclose such intent to you and allow you the option to opt out. At this time, it is CCM’s policy not to share information with unaffiliated companies for such purpose. If our policy with respect to providing information to unaffiliated companies to allow them to market products or services to you changes in the future, this privacy policy will be updated to reflect such intent and you will be provided the opportunity to opt out of CCM sharing your information with such unaffiliated companies as required by the Gramm-Leach-Bliley Act.

Affiliated Companies – In order to maintain your account and provide the best service possible for your financial needs, from time to time CCM will share transaction and account experience information, as well as other general information with its affiliates as permitted or required by law. In the event that CCM intends to share information with its affiliates to allow its affiliates to market its products or services to you, CCM would be required by law to disclose such intent to you and allow you the option to opt out. At this time, it is CCM’s policy not to share information with its affiliates for such purpose. If our policy with respect to providing information to affiliates to allow them to market products or services to you changes in the future, this privacy policy will be updated to reflect such intent and you will be provided the opportunity to opt out of CCM sharing your information with such affiliates as required by the Fair Credit Reporting Act.

Security – How We Protect Your Information
The Security of our customer’s information is a very serious matter. We restrict access to customer information to persons who need to know that information to perform their specific job duties. Administrative, technical and physical safeguards are used to ensure security and confidentiality as well as protect against potential threats or hazards to the security and integrity of our customer’s information. We strive to ensure that companies we do business with also adhere to these standards. Although these measures are taken to protect customer information, CCM does not guarantee that unauthorized access will never occur.

Cookies

Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and transferred to your device. We use cookies to collect information in order to improve our services for you.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provide information on how to accept cookies, disable cookies or to notify you when receiving a new cookie.

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.

DoubleClick Cookie

Google, as a third party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other web sites on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Behavioral Remarketing

Castle & Cooke Mortgage uses remarketing services to advertise on third party web sites to you after you visited our Service. We, and our third party vendors, use cookies to inform, optimize and serve ads based on your past visits to our Service.
Google

Google AdWords remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

  • Twitter

Twitter remarketing service is provided by Twitter Inc.

You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

  • Facebook

Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950

To opt-out from Facebook’s interest-based ads follow these instructions from Facebook: https://www.facebook.com/about/ads/#568137493302217

Facebook adheres the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

  • AdRoll

AdRoll remarketing service is provided by Semantic Sugar, Inc.

You can opt-out of AdRoll remarketing by visiting this AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false

For more information on the privacy practices of AdRoll, please visit the AdRoll Privacy Policy web page: http://www.adroll.com/about/privacy

Do Not Track Disclosure

We support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services and/or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform specific tasks on our behalf and are obligated not to disclose or use your information for any other purpose.

Communications

We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.

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, in order 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.

International Transfer

Your information, including Personal Information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

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 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 children under age 13 without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

This Privacy Policy is effective as of March 21, 2016 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.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us.