Whitecap Mortgage Online Privacy and Security
We pledge to use and share any information that we collect from or about our customers in accordance with Whitecap’s Consumer Privacy Notice, which provides choices regarding our use and sharing of information.
Information We Collect
Whitecap collects two types of information when consumers visit our Website: “Personally Identifiable Information” and “Non-Personally Identifiable Information.” Together, both of these are referred to in this Policy as “Information.”
Personally Identifiable Information is information that can reasonably identify the borrower, which may include the following:
- Identifiers (your name, alias, mailing address, telephone number, e-mail address, Social Security number, driver’s license number, passport number, or similar identifiers).
- Protected classification characteristics (age, race, national origin, citizenship, marital status, sex, veteran or military status).
- Commercial information (records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies).
Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA) and the Gramm-Leach-Bliley Act (GLBA).
Whitecap may also collect and store information consumers share with us about other people (for example, co-borrowers). Non-Personally Identifiable Information is information that cannot directly or indirectly identify the consumer, such as demographic information about consumers’ online activity on our Website.
How We Collect Your Information
From Consumer: Whitecap collects Information the consumer directly provides such Information to us in connection with obtaining our services. The consumer may choose not to provide Whitecap with certain information; however, Whitecap identifies what information is required to fulfill a request for service. If the consumer chooses not to provide mandatory information, Whitecap may not be able to provide the service being requested.
From Other Sources: Whitecap may also collect information about consumers from other sources, such as credit reports pulled upon the borrower’s authorization.
Automatically: Whitecap may collect Information from the consumer automatically by tracking usage data and using other technologies. For example, Whitecap may send “cookies” to a consumer’s computer. “Cookies” are text files of information that are stored on the consumer’s computer. Cookies help identify the consumer as a unique customer and stores personal preferences and technical information. Cookies allow us to collect information such as the type of browser, which pages are viewed, which webpages are visited, which pages linked the consumer to our site, and which link, if any, the consumer follows off of our Website. We use this information to personalize the borrower experience, enhance security, facilitate navigation, and to display material more efficiently. Most browsers automatically accept cookies, but the borrowers can usually modify your browser setting to decline cookies if preferred.
Whitecap may also use web beacons, pixel tags, clear GIFs, and other technologies to track consumer’s online movements. These are small pieces of data that are embedded in images on our Website. Whitecap may also use third-party technologies to provide audience measurements and other analytics services for us. We, or our third-party vendors, may collect personal information about your online activities over time when you use our Website.
How We Respond To Do-Not-Track (“DNT”) Signals
DNT is the concept that has been promoted by regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing Internet users to control the tracking of their online activities across websites. Most browsers provide a DNT option that relies on a technology known as a DNT header that sends a signal to websites visited by the browser user about the user’s DNT preference.
Whitecap does not currently respond to DNT signals in browsers because it does not track individual members across the web. Whitecap does not authorize the collection of personally identifiable information from consumers through advertising technologies.
How We Use Information
Whitecap uses consumer Information to better understand online activity to improve our Website offerings, to reconstruct activity from a user’s previous session, and for troubleshooting and issue resolution purposes. We may also use this data to provide a more personalized online experience, to provide consumers with assistance with support, and to send special offers, product and service updates, or other promotional materials that are relevant and personalized.
Whitecap may use consumer’s information to communicate regarding services or products that may be of interest to the consumer, to deliver the consumer the services or products requested, to manage the customer relationship, to provide the consumer with support, and to research and analyze the consumer’s use of our services or products. Whitecap may also use this information to allow consumers to participate in surveys, contests and similar promotions, and to administer such promotions.
Whitecap may also use your Information to optimize our services or products, to manage our business, and to measure the overall effectiveness of our business as it relates to online content, advertising, programming, and other activities.
Whitecap may also use your information for the following purposes:
- Audit related to our current interactions with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.
- Debug to identify and repair errors that impair existing intended functionality.
- Short-term, transient uses, but your personal information will not be disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
- Perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.
- Undertake internal research for technological development and demonstration.
- Undertake activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance our services or devices.
Credit Agencies and Your Right to Opt-Out
Credit reporting agencies may share your Information with other companies when applying for a home loan. The consumer credit reporting companies (Equifax, Experian, Innovis, and TransUnion) are permitted by the Fair Credit Reporting Act (FCRA) to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that you did not initiate.
The FCRA also provides you the right to opt-out which prevents the consumer credit reporting companies from providing your credit file information, known in the industry as a trigger lead. The credit reporting companies maintain an Opt-Out list if you do not wish to receive these offers.
You can remove yourself from the list for five years by calling 1-888-5-OPT-OUT (1-888-567-8688) or at optoutprescreen.com. To opt-out permanently, you will need to sign and return the Permanent Opt-Out Election form, which you get at optoutprescreen.com. You will have to share your personal information, including your name, address, Social Security number, and date of birth. That information is confidential and will be used only to process your request to opt-out.
Updating Your Communication Preferences and Contacting Us
Whitecap may provide you with the opportunity to subscribe to e-mail newsletters and other communications. You may unsubscribe by following the instructions provided in each e-mail newsletter. Similarly, if at any time you do not wish to continue to receive communications from Whitecap or its associated third parties’ communications, you may modify your preferences by accessing the website provided to you upon submission of your initial application or inquiry.
If you have submitted a loan request application or an application for pre-approval with us, you can update your Information through the website provided to you after the submission of your application. Federal and state regulations require that we store completed loan requests for various periods of time. In order to comply with these requirements, we may be unable to delete your Information from our database until the expiration of the applicable period.
If you have any questions about this Policy or our information-handling practices, or if you wish to request access to or deletion of your Personal Information, please contact us by e-mail or postal mail as follows:
Whitecap Mortgage LLC
119 E. Linden Street
Kennett Square, PA 19348
All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 119 E. Linden Street, Kennett Square, PA 19348. Phone 484-656-7773. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.