Privacy Policy
We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
How We Protect Your Privacy
Information We Collect
When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.
Individualized Password
When you sign up for online access to loan related information, you are asked to create your own username and password to access information related to your loan file. This information is encrypted during transmission. We allow you to select your own personal username (email address) to sign on. We strongly recommend that you use your own email address and not a shared email address that may be accessed by multiple parties.
Security Questions
Your originator may ask you to set up four security questions and answers, as well as a phrase and site image that will be associated with your account. If we ever need to confirm your identity, your correct answers to the security questions in conjunction with the phrase and site image will help us verify your identity.
Cookies
“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. VIP Mortgage Inc. may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, VIP Mortgage Inc. may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.
Timed log-off
This website will automatically log you off after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.
Firewall
VIP Mortgage Inc.’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.
Encryption
From the moment account information leaves your computer to the time it enters VIP Mortgage Inc.’s system, all online access is encrypted.
During any exchange of sensitive loan information or documents, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. VIP Mortgage Inc. servers possess the formulas required to turn this code back into meaningful information for processing.
Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."
Constant surveillance
VIP Mortgage Inc.’s security team maintains and monitors our security systems to help ensure that your accounts are safe and secure.
Sharing
LEGAL DISCLAIMER: ALTHOUGH WE MAKE EVERY EFFORT TO PRESERVE USER PRIVACY, WE MAY NEED TO DISCLOSE PERSONAL INFORMATION WHEN (I) REQUIRED BY LAW WHEREIN WE HAVE A GOOD-FAITH BELIEF THAT SUCH ACTION IS NECESSARY TO COMPLY WITH A CURRENT JUDICIAL PROCEEDING, A COURT ORDER OR LEGAL PROCESS SERVED ON OUR WEB SITE; OR (II) NECESSARY TO PROTECT AND DEFEND THE RIGHTS OR PROPERTY OF VIP MORTGAGE INC. OR VIP MORTGAGE INC. AFFILIATES, INCLUDING THEIR WEB SITES. VIP MORTGAGE INC. DOES NOT SHARE PERSONAL INFORMATION WITH THIRD PARTIES EXCEPT AS STATED IN THIS PRIVACY STATEMENT. IN ADDITION, WE MAY SHARE AGGREGATE DATA WITH THIRD PARTIES WHERE SUCH DISCLOSURE DOES NOT ENTAIL THE DISCLOSURE OF ANY PERSONALLY-IDENTIFIABLE INFORMATION.
Third-Party Content
VIP Mortgage Inc. and its agents are in no way responsible for the content of any site owned by a third party that may be linked to VIP Mortgage Inc.’s Web site via hyperlink, whether such hyperlink is provided by VIP Mortgage Inc. or by a third party. The fact that we have provided a link to a site is NOT endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners or its providers.
