SussexMortgage.com, LLC will
post online any changes to the Website Customer Information Privacy Policy and the Consumer
Information Privacy Principles on or before the effective date of such changes.
You will be able to determine the date of the last change by noting the effective date of the policies.
Website Customer Information Privacy Policy
We respect the privacy of our customers and are committed to protecting their information
on our Web sites with the same care we utilize for all SussexMortgage.com, LLC transactions.
SussexMortgage.com, LLC does not automatically collect personal information from visitors to its Web sites.SussexMortgage.com, LLC
does use tools, such as cookies or click stream auditing, for our own internal uses, such as
recommending products and services and gathering Web analytics. Cookies are small pieces of
information that a Web site stores on a visitor's Web browser to remind the site about the visitor
the next time they visit the site. SussexMortgage.com, LLC does not store confidential or sensitive
information in cookies. SussexMortgage.com, LLC uses cookies to enhance our customers' online banking
session by making navigation easier and providing important security features. For certain applications,
such as Online Banking, cookies are a requirement because they help protect the privacy of a customer's
transactions by, for example, automatically terminating the online session if the customer forgets
to log out.
Cookies cannot be used to
capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive
information about you. Additionally, cookies cannot be read by a Web site other than the one that set the
cookie. Some Web sites, however, use cookies to obtain information from your browser. You can set your
browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie.
Please click on
Controlling Cookies for more information.
Click stream auditing includes information such as a web surfer's IP address, web pages which
have been viewed or acted upon by a web surfer, date and time, domain type, and when a web
surfer has responded to an advertisement. We may occasionally combine this information with individual
information on an aggregate level to determine the effectiveness of our advertising.
The Sussex Mortgage.com, LLC
(An affiliate of PNC Partnership Solutions,
Inc., which is an affiliate of PNC Bank, National Association)
Consumer Information Privacy Principles
Introduction
The SussexMortgage.com, LLC and its family of companies is committed to treating and using personal financial information about you responsibly.
These Privacy Principles explain what personal information we collect, why we collect it, how we protect it, and how and why in certain cases we may share it among our affiliates or with select other parties.
We also tell you how to exercise your personal Information Sharing and Use Choices.
If you have already notified us of your Information Sharing or Use Choices, you do not need to notify us again.
These principles are effective 05/01/2008 and may be amended from time to time.
Our Consumer Information Privacy Principles apply to personal information collected or used when SussexMortgage.com,
LLC offers financial services to you for personal, family or household purposes.
The services may include deposit, lending, investment advisory, brokerage and insurance services.
We Collect Information as Needed to Identify You and Serve You as a
Customer
We collect information from and about you in order to identify you as our customer,
establish and manage customer accounts, complete customer transactions, understand customer needs through market research, market products and services we believe meet customer needs,
and comply with legal and regulatory requirements.
Examples of the types of information we collect are:
Information we receive from you, such as:
(a) Contact Information
(Such as name, address, and
telephone number). We use contact information, for example, to identify you,
send you information about our products and services, and call or write you
about your accounts.
(b) Identification Information
(Such as a social
security number). We may need your social security number, for example, to
obtain a credit report when you apply for credit with us, report interest
earnings or mortgage interest payments to the IRS, or comply with other
legal requirements.
(c) Financial Profile Information
(Such as income,
assets, and liabilities). We use this information, for example, to process
applications and make appropriate product and service recommendations to
help you get the most from your relationship with PNC.
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Information about your transactions and experiences with SussexMortgage.com, LLC.
This information, such as your account balances, payment
or overdraft history, parties to transactions and account usage, permits us,
for example, to process your requests quickly, recommend appropriate products,
and price products and services competitively on the basis of your entire
relationship with us.
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Information we receive from third parties, such as:
(a) Information about your transactions with other
companies.
We may use this information, for example, when you apply
for credit or to verify information you have provided to us.
(b) Information about you from consumer reporting
agencies
(such as your credit history and credit worthiness). We
use this information when, for example, we process applications, monitor and
collect existing accounts, make "pre-approved" offers and as otherwise
permitted by law.
(c) Information from market research companies
(such as
purchasing patterns). We use market research information, for example, to
develop products we believe our customers will find most useful.
Policies and Procedures
SussexMortgage.com, LLC uses advanced technology and information management techniques to implement security,
audit and control programs designed to protect the confidentiality and security of the information we collect.
SussexMortgage.com,
LLC limits employee access to customer information to those employees we believe have a
legitimate business need for the information.
We have adopted policies, procedures, employee orientation, training and education programs,
and communication programs designed for the protection of customer information.
It is the responsibility of each SussexMortgage.com,
LLC company employee to comply with our Consumer Information Privacy Principles.
We May Share Information within the
SussexMortgage.com, LLC Family of Companies to Improve Our Services to You
SussexMortgage.com, LLC offers
financial services to consumers through its family of affiliated companies that provide, for example,
deposit, lending, credit card, investment advisory, brokerage, insurance, trust, and related products.
By sharing information about you and your accounts, we are able to offer you the convenience of
round-the-clock customer service, combined statements, simple application procedures for a
variety of financial services, and special discounts or other benefits.
Within the family of SussexMortgage.com, LLC companies,
we share all of the information we collect as described above.
You may request that we do not share within the
family of SussexMortgage.com, LLC companies information other than contact, identification, and
transactions and experience information, described above, and that any information we collect
not be used by any other SussexMortgage.com, LLC companies for marketing purposes
Please see "It's Your Choice" (on page 8) to find out how to make this request.1 |
1 Vermont residents only:
SussexMortgage.com, LLC will not share financial profile or credit report information among
the SussexMortgage.com, LLC family of companies without your consent.
We May Share Information
Outside the SussexMortgage.com, LLC Family of Companies in Certain Cases
It is our policy not to sell,
rent or otherwise provide customer information to outside companies so they can market their
non-financial products or services. From time to time, we may offer our customers the opportunity
to purchase non-financial products and services offered by outside third parties, but we will not disclose customer
information to these third parties unless our customers authorize us to do so.
The sections below describe the types of companies and third parties with whom,
and the situations when, we may share customer
information outside the SussexMortgage.com, LLC family of companies.
Service Providers and Suppliers
From time to time,
SussexMortgage.com, LLC companies may use outside companies or suppliers to perform services
for SussexMortgage.com, LLC, such as printing checks for our customers, preparing and
mailing customer account statements, appraising property offered as collateral,
verifying property ownership and processing customer transactions and assisting
us in providing account benefit programs.
We may also use outside companies to perform market research and analysis for us by
contacting our customers, as well as non-customers, to ask their opinions about our
current or proposed products and services. Generally, we provide market researchers only
with customer contact information, such as name, address, and telephone number.
Occasionally, we provide them with customer account information, such as type of account, balance,
and whether a customer banks at a branch, at an ATM, or online.
Sometimes we use outside companies to assist us in marketing our own
SussexMortgage.com, LLC products and services or products and services,
such as mortgages and insurance, that we offer jointly with other financial institutions.
Generally, we provide our marketing service providers only with customer
contact information, such as name, address and telephone number.
Before we disclose customer information to any of our service providers or suppliers,
we require them to agree to keep our customer information
confidential and secure and to use it only as authorized by us.
Select Financial Institutions
In order to offer our customers
certain financial products, such as mortgages or insurance, we may enter into joint marketing
agreements with select financial institutions outside the family of
SussexMortgage.com, LLC companies that specialize in providing these products.
Generally, we provide these financial institutions only with customer contact information,
such as name, address, and telephone number. When we offer certain insurance products,
such as credit insurance, we may provide account information, such as the amount of the loan or mortgage,
maturity date, and monthly payment amount.
We do not give these financial institutions customer account numbers as part of a joint
marketing agreement or program.2
We select financial institutions we work with under joint marketing agreements
very carefully and require them to agree to keep
our customer information confidential and use it only as authorized by us.
|
You may request that we do not
share your information with other financial institutions for joint marketing purposes.
Please see "It's Your Choice" (on page 8) to find out how to make this request. |
2 Vermont Residents only: SussexMortgage.com, LLC
will share only contact information with
financial institutions with which we have joint marketing agreements.
Other Circumstances
We may share customer information with unaffiliated third parties when our
customers request or give us permission to do so or when we are permitted or
required to do so by law.
Some examples are:
(a) When we complete your transactions, such as paying your checks, following
your online payment directions, purchasing securities for your account, or
processing insurance applications;
(b) When we respond to your service requests;
(c) When we share information with consumer reporting agencies;
(d) When we verify account status for merchants you want to pay by check;
(e) When we offer account benefits, such as credit card and other reward
programs;
(f) When we transfer information in connection with a proposed or actual sale
of accounts, or a proposed or actual sale of all or part of a business unit;
(g) When we suspect fraud or for risk management purposes;
(h) When we are required by a federal, state, or local law or regulation to
do so;
(i) When we receive a subpoena or are ordered by a court to do so.
Former Customers
We do not disclose information about former customers to outside companies
except as may be permitted or required by law. Examples of when we may share
information about former customers are listed above.
State Privacy Laws
We will also comply with state privacy laws to the extent they apply.
Online Information Policies
We respect the privacy of our
customers and are committed to protecting their information on our websites with the same care
we utilize for all SussexMortgage.com, LLC company transactions. To view our current online privacy notice,
visit us at
www.sussexmortgage.com.
It's Your Choice
Option 1 - Limit Sharing and Use of Information within SussexMortgage.com, LLC Family
Request this Information Sharing and Use Choice option if you do not want:
Us to share information other than contact, identification, and transaction
and experience information, described above, among our family of SussexMortgage.com, LLC companies
(except where one SussexMortgage.com, LLC company performs services for another) and
Any other SussexMortgage.com, LLC company that does not have a preexisting business relationship
with you to use any information for marketing purposes.
We will continue to share among our family of SussexMortgage.com, LLC companies contact,
identification, and transaction and experience information, as described above, but such
information will not be used by any other SussexMortgage.com, LLC company that does not have
a pre-existing business relationship with you for marketing purposes. We may, however, market
the products and services of other SussexMortgage.com, LLC companies pursuant to joint marketing agreements.
Option 2 - Limit Sharing of Information with Other Financial
Institutions for Marketing Purposes
Request this Information Sharing and Use Choice option if you do not
want us to share any information with other financial institutions for the
purpose of joint marketing of their financial services.
To exercise your choice options write to us at:
SussexMortgage.com, LLC, 100 U.S. Highway 206, Suite A, Augusta, NJ 07822.
When writing, please indicate which option or options you are requesting
and include your name, address and phone number. Providing an account number
or social security number would be helpful but is optional.
SussexMortgage.com, LLC will process your request as soon as possible.
However, you may receive communications for a
short time based on information we shared prior to processing your request.
If you have joint accounts, we will treat a request by one party to the
account as applying to both parties to the account. The option or options you
request will apply to accounts that each joint account holder has in his or
her own name and any accounts the joint account holders have with each other.