Mortgage Banker Registration #75333 and Residential Mortgage Loan Servicer Registration and Texas OCCC Regulated Loan License # 16324-9211.
Personal Identification Information
Non-personal Identification Information
We collect non-personal identification information about you whenever you interact with our Site. Non-personal identification information may include, but is not limited to, the browser name, the type of computer and technical information about your means of connection to our Site, such as your operating system, internet service provider, URL of previous websites you visited, aggregated and de-identified data, search terms, clicked links, and other similar information. [Is non-personal information collected in any other way? If you use a third party tracking service to track non-personal identification information, disclose that here as well].
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How we use collected information
NTFN collects and uses your personal and non-personal identification information for the following purposes:
To Improve Our Site
We continually strive to improve our Site offerings based on the information and feedback we receive from you.
To Improve Customer Service
Your information helps us to more effectively respond to your customer service requests and support needs.
To Process Transactions, Including Payments
We use the personal identification information you provide to us through the Site when making a payment or engaging in a transaction in order to process and provide services to that payment or transaction. We disclose your personal identification information to a carefully selected group of third parties that assist us in providing services or processing payments made through the Site.
To Send Periodic E-Mails
The e-mail address you provide for order processing will only be used to send you information and updates pertaining to your transaction or payment. It may also be used to respond to your inquiries and/or other requests or questions. If you decide to opt-in to our mailing list you will receive e-mails that may include company news, updates, related product or service information, etc. If at any time you would like to unsubscribe from receiving future e-mails, we include detailed unsubscribe instructions at the bottom of each e-mail or you may contact us via our Site or as indicated in the “Contacting Us” section below.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. [We encrypt your social security number, account numbers, and credit card number using secure sockets layer technology (SSL).]
Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for you when using our Site.
Notwithstanding the foregoing, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
Sharing your personal identification information
We do not sell, trade, or rent your personal identification information to others. We do not sell e-mail lists or customer lists to third parties. We share generic aggregated demographic non-personal information regarding visitors and users with our business partners, trusted affiliates, and advertisers, for the purposes outlined above. [We do not link aggregated demographic non-personal information with personal identification information].
We share your personal identification information with carefully selected third parties that help us provide, maintain, and improve the Site and the services and products we offer, or that provide us with marketing or other business services, and such third parties have access to your personal identification information in order to perform their services. [These third parties may include but are not limited to financial service providers such as insurance companies or payment or data processing companies, and marketing companies or other business services.] We share your personal identification information with outside third parties only to the extent necessary to process or administer your transaction, process your payment, or permit such third parties to provide marketing or other services to us. We ensure that such service providers are contractually obligated to keep your personal identification information confidential and use it only for the purpose for which we have contracted with such third party.
We also share your personal identification information with those entities with whom we in good faith believe we are required to do so by law. This information may include, but is not limited to, your name, address, social security number, and any other information you provide to us on any form or field on the Site.
Third Party Websites
The Site is not directed at children under the age of 13. Consistent with the federal Children’s Online Privacy Protection Act of 1998, we will never knowingly request, collect, or use personal identification information from anyone we know to be under the age of 13 without requiring parental consent. Further, we will delete any information in our database that we know originates from a child under the age of 13. Any person who provides their personal identification information to NTFN through the Site represents that they are 13 years of age or older.
California Privacy Rights
California Civil Code Section 1798.83 permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal identification information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal identification information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing as indicated in the “Contacting Us” section below. [Under a recent amendment to the California law, beginning January 2014, NTFN must also disclose (1) how the Site responds to web browser “do not track” requests and similar mechanisms that consumers may use, and (2) whether third parties can use the Site to collect non-personal and personal identification information about a user’s online activities over time and across different sites. This can be accomplished by a hyperlink that leads to a description of any program or protocol that allows users a “do not track” option].
Special Note to International Users
Your Acceptance of these Terms
Changing or Updating Your Information
If at any time you wish to verify, correct, change, or remove your personal information, you may correct, update, delete or deactivate it by contacting us at the address, phone number or e-mail address indicated in the “Contacting Us” section below.
2901 Dallas Parkway, Suite 201
Plano, Texas 75093
Last updated: November 8, 2013