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Your Privacy & Security With ICC Mortgage
This Privacy Policy is provided to help you understand how we protect Customer information. ICC Mortgage Services (herein referred to as "ICC", "we", "us" or "our") respects your decision to do business with us and takes your privacy seriously. Our Privacy Policy provides you with an opportunity to make informed choices about the management of personal information. You trust us with your personal and financial information and we'll honor that trust by handling your information carefully and sensibly. This Privacy Policy will help you understand how we safeguard and use information and is applicable to all Customers or former Customers who obtain mortgage or financial services from us for personal, family or household purposes. Similarly, our Customers who receive information from us or transact business with us through the Internet are covered by additional privacy policies on our websites.
 
Collection Of Information
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, market products and services we believe are of value to Customers, and comply with legal and regulatory requirements. We collect and obtain Customer information from various sources including the following: 
 
  • Information listed on mortgage applications or other related forms
  • Information received from mortgage lead generators
  • Credit reporting agencies
  • Customer transactions with us or other institutions
  • Customer communications with ICC or any of its affiliates
  • Public information
Security Procedures
We are committed to maintaining the security of our Customers' financial and personal information. All operational and data processing systems are in a secure environment that protects Customer information from being accessed by unauthorized individuals or third parties. Access to nonpublic information about you is restricted to those associates who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Correspondence and telephone conversations are monitored for quality, compliance, and accuracy to ensure that our standards are being followed.
 
From time to time, we may enter into agreements with other companies to provide services to us or to make products and services available to you regarding your loan. Under these agreements, the companies may receive information about you and they must safeguard this information and they may not use it for any other purpose.
 
Disclosures To Service Your Account
It is often necessary for us to disclose Customer information to companies, including our affiliates and service providers, such as title companies, appraisers, credit reporting services, etc., that perform services necessary to qualify, process, close and service your loan. When it comes to disclosing Customer information to others for the purpose of establishing and managing Customer accounts, we place limits on who receives specific information. We disclose to these companies information that they need to establish and manage Customer accounts and restrict the use of that information so that it cannot be used for any purpose beyond the intended service. We may also provide certain Customer information to others outside of ICC as required or permitted by law, such as to government entities, other third parties in response to subpoenas, or to consumer reporting agencies.
 
Credit Report:
By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
 
Mandatory And Optional Information:
We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting.
 
Disclosures To Provide You With Offers For Products And Services
We recognize that an important benefit for our Customers is the opportunity to receive offers for products and services from other companies that may work with us, for example, membership clubs, and other consumer products and services. We do not disclose any non-public, personal information about our Customers or former Customers to companies who are not affiliated with us, except as permitted by law. In the future, we may provide these offers to Customers when we believe they will find them of value. These offers will be developed under conditions designed to safeguard Customer information.
 
Protecting Our Children
We do not knowingly market to children. We recognize the importance of protecting children's identities and privacy.
 
Former Customers
If you decide to close your account or your account becomes inactive or is closed for some other reason, we will continue to treat and safeguard your information as described in this Privacy Policy.
 
Commitment To Service
We believe the confidentiality and protection of Customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our Customers' trust. Thus, the safekeeping of Customer information is a priority for us. We will continuously strive to maintain complete and accurate information about our Customers and their accounts. If you believe that our records contain inaccurate or incomplete information about you, it is important that you notify us as soon as possible. We will investigate your concerns and correct any verifiable inaccuracies.
 
This Privacy Policy is effective as of April 2, 2009, and replaces any prior privacy policy we have posted or delivered to you. We reserve the right to change this Privacy Policy at any time, and we will inform you of changes as required by law.
 
Online Privacy Addendum
This document is an addendum to the ICC Mortgage Services Privacy Policy covering our Customers who receive information or transact business with us over the Internet.
 
Through our website, we strive to provide valuable information to you about ICC and how we may serve you. In addition, we make available timely updates on new products, services, locations, and Customer Service hours for our valued Customers.
 
We safeguard all information our Customers share with us through our website.
 
Information Usage
Any information you choose to provide us may be used to improve the content and services offered on our website, as well as to contact you with more information about our products, services, or upcoming events.
 
Links To Third Party Websites
The ICC website contains links to, and may be linked from, third party websites, which are not under the control of ICC. ICC makes no representations whatsoever about any other website to which you may have access through, or to, the ICC website. When you access a non-ICC website, you do so at your own risk, and ICC is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. ICC is not responsible for updating or correcting false or misleading information on any third party website. ICC provides these links merely as a convenience, and the inclusion of such links does not imply that ICC endorses or accepts any responsibility for the content or uses of such websites. Furthermore, any opinions expressed on any third party website are not necessarily those of ICC.
 
Legal Disclaimers
All information on this website is protected by copyright in the United States of America and in other countries. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this website.
 
The posting of information or other materials to this website does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyright, service marks, trademarks, trade names, or other intellectual property) and does not transfer any rights to a user of the website or any other third party, except as expressly provided herein.
 
Controls
All content on ICC's website is owned by ICC. Any changes to the site are made solely through the request of ICC and are completed by ICC or entities that we have authorized only. Any mortgage, application or other form that is altered in any way will not be accepted.
 
ICC is not responsible for system errors on your computer that prevent the ICC's website from loading or operating properly. If an error is discovered within the ICC website itself or due to a problem at ICC's Internet Service Provider, ICC and the Internet Service Provider will correct the error as soon as possible.
 
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