Privacy Policy & Disclosures
This privacy policy discloses the privacy practices for MauiMortgageTeam.com. This privacy policy applies solely to information collected by this web site. It will notify you of the following:
- What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
- What choices are available to you regarding the use of your data.
- The security procedures in place to protect the misuse of your information.
- How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to fulfill a mortgage application.
Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time by contacting us via the email address or phone number given on our website.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit data or identification), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, underwriting or loan processing) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Cookies
We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s computer to help us improve their access to our site. Cookies can enable us to track website statistics and hits. Usage of a cookie is in no way linked to any personally identifiable information on our site.
AdWords Remarketing is a Remarketing and Behavioral Targeting service provided by Google. It connects the activity of www.mauimortgageteam.com with the AdWords advertising network and the Doubleclick Cookie. You can opt out of the cookie tracking here: http://google.com/settings/ads/onweb/optout?hl=en | Personal Data collected: Cookie and Usage Data. Place of processing: USA. Find the Privacy Policy.
Links
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Updates
Our Privacy Policy may change from time to time and all updates will be posted on this page.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 808-270-2775 or office@mauimortgageteam.com
Disclosures
General Disclosure
Mangum Mortgage, Inc. dba Pacific Home Loans (NMLS ID #278194) is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or to extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described. All loan programs, terms, pledges, guarantees and conditions are subject to the rules and regulations and are subject to change without notice. The information and graphics shown are provided “as is” and Pacific Home Loans does not warrant the accuracy or completeness and disclaims any liability for errors, omissions or performance of the stated terms.
Fair Lending
Pacific Home Loans is an equal opportunity financial institution and believes in consistent fair lending. Pacific Home Loans does not permit discrimination of any kind with respect to a borrower’s race, color, religious creed, national origin, sex, marital or familial status, sexual orientation, age (provided that applicant had the capacity to enter into a binding contract), genetic information, ancestry, children, veteran status, physical condition, developmental disability, handicap or because all or a part of the applicant’s income derives from any public assistance program. Pacific Home Loans does not discourage the completion or submission of an application for credit by any applicant on any of the prohibited bases, and does not discriminate against any borrower on any of the prohibited bases.
The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
State of Hawaii Disclosure
Governing law: You agree that your use of Pacific Home Loans web sites is governed by the laws of the State of Hawaii and any applicable federal United States laws. For individual products and services offered by Pacific Home Loans, the applicable customer agreements and disclosures may specify that the laws of another jurisdiction will govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply.
The state agency that administers our compliance with these state laws is the Division of Financial Institutions, Honolulu, HI, 96813.