Protecting your privacy is a priority of Atlantic Pacific Mortgage Corporation, and its affiliates. We value the confidence you have placed in us and are committed to ensuring that your client information is safeguarded. This Privacy Notice ("Notice") explains how we collect, share, and protect your personal information. This Notice also gives you valuable information on the choices you have about how we use your personal information. Please read this Notice carefully to understand what we do.
"Do Not Track" Browser Setting
We do not engage in the collection of personally identifiable information of Internet users when they browse aploan.com. However, every computer and device connected to the Internet is assigned an Internet Protocol (IP) address. IP addresses are usually assigned in country-based blocks and can often be used to identify the country, state, and city from which a computer is connecting to the Internet. Because IP addresses need to be used by websites in order for the Internet to function, website owners have access to the IP. We use IP addresses to provide and protect the security of our services, and to give the company a sense of where its visitors come from (also known as "IP geolocation"). We do not share your IP address information with third parties.
Information We Collect About You
We may collect the following types of nonpublic personal information about you from the following sources:
- information we receive from you on applications or other forms when you open an account, register for one of our products or services, or accept a promotional offer for a product or service from us or companies related to us through common ownership or control ("Affiliates") (such as your name, address, Social Security number, phone number, e-mail address, assets, income and motor vehicle information);
- information about your transactions with us, Affiliates or others (such as your account balance, payment history, parties to transactions, health care information, claims history, and use of products and services); and
- information we receive from a consumer reporting agency (such as your credit worthiness and credit history).
We call all of the personal information described above and elsewhere in this Notice "Client Information."
Confidentiality and Security of Client Information
We restrict access to your nonpublic Client Information to persons who need to know that information. We maintain physical, electronic, and procedural safeguards to protect your Client Information.
Use of Client Information
We use Client Information for: (1) our everyday business purposes, such as processing transactions, maintaining your account, reporting to credit bureaus, verifying your identity, and fulfilling legal and regulatory obligations; (2) our marketing purposes, namely to offer our products and services to you; and (3) joint marketing with other companies.
Upon your written request, we will provide you with a summary of the Client Information we have collected about you. We will not send you information collected in expectation, or in connection with, any claim, civil or criminal proceeding.
If you feel your Client Information in our files is incorrect or incomplete, we will review it. If we agree, we will make your necessary corrections, and, upon request, inform anyone who received such information from us in the past two years. If we do not agree, you may give us a brief statement that we will include with future disclosures and send to anyone who received the information from us in the past two years.
Disclosure of Client Information to Affiliates
We may share Client Information with our Affiliates in order to (1) service your account; and (2) offer our products and services to you.
The Client Information we share with Affiliates includes identification and contact information and general information about your transactions and experiences with us. We do not share information relating to your physical or mental health or the provision of health care to you ("Health Information") that we collect or investigative consumer reports that we obtain except to underwrite or administer your insurance policy or related claims or to administer your annuity contract, as required by law or as authorized by you.
You have a choice about the offers that are sent to you by our Affiliates as explained in Opt-Out Choice A below.
Disclosure of Client Information to Outside Companies
We may share Client Information with outside companies in limited circumstances:
- to help us process transactions for your account;
- to service your account or perform other business functions on our behalf, such as mail and print vendors;
- when disclosure is required or permitted by law. For example, we may be required to disclose Client Information to cooperate with law enforcement and regulatory authorities, to resolve client disputes, and to perform credit checks and authentication procedures to prevent fraud; and
- when we enter into a joint marketing agreement with another financial institution to provide products and services such as insurance that may be beneficial to you.
When we share Client Information with outside companies or third parties, we require them to safeguard this information and only use it for the agreed upon purpose.
Additionally, we may use Client Information to send you marketing offers on behalf of selected outside companies for products that they sell. You may direct us not to use your Client Information for this purpose as described in Opt-Out Choice B below.
You Have Choices About How We Use and Disclose Client Information
You have choices about offers that may be sent to you. Your opt-out choices and how to opt-out are explained below.
A. Offers for Products and Services of Our Affiliates (Opt-Out Choice A)
Atlantic Pacific Mortgage Corporation and its Affiliates provide a wide range of services, including mortgage lending and insurance services. We may disclose certain Client Information to our Affiliates in order to service your accounts and to develop and send you offers for their products and services. You may opt-out of receiving separate marketing offers from our Affiliates. If you choose Opt-Out Choice A, we may still share information with our Affiliates as permitted by law, but our Affiliates will not use this information to send you marketing offers.
To opt-out from receiving marketing offers from our Affiliates, call us at 1-800-296-1188 x2204 or fill out and return the attached form and check the Opt-Out Choice A box.
If you call the toll-free number, you will be asked for your name and customer verification information so that we can correctly record your opt-out choices.
B. Offers for Products and Services of Other Companies (Opt-Out Choice B)
You may direct us not to use your Client Information for the purpose of sending you offers for products and services on behalf of outside companies, unless otherwise authorized by you, by selecting Opt-Out Choice B.
To opt-out of receiving marketing offers from us on behalf of outside companies, call us at 1-800-296-1188 x2204 or fill out and return the attached form and check the Opt-Out Choice B box.
If you call the toll-free number, you will be asked for your name and customer verification information so that we can correctly record your opt-out choice.
If you close an account, your account becomes inactive, or you are no longer a client, we will continue to treat and safeguard your Client Information as described in this Notice.
To opt-out of marketing offers under Opt-Out Choice A or Opt-Out Choice B described above, please print and complete the opt-out form accessible by the link below.
Call us toll-free at – 1-800-296-1188 x2204