Stanford Raffles Realty Franchise, Inc is committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services.
What Information We Collect From You
When you complete a qualification form or loan application at an AHMCC Web site or an AHMCC office or at this office, you will be asked to provide us with certain personal and financial information including your name, phone number, social security number, electronic mail address, income and other financial information depending on your expressed loan preference. In order to better assess your suitability for our products and services, we may also collect information from employers, insurers, financial institutions and trades people, as well as from the three national credit-reporting agencies (Experian, Equifax, and Trans Union) or other regional credit reporting agencies.. The information we receive from these agencies may include information about your finances, employment, hobbies, mode of living, work history and driving record. We may also collect property value information from accredited appraisal companies, automated valuation systems or public tax records. Additionally, in the course of providing services to you, we may also collect information you provide to us to maintain those services and information gathered from your loan history with us.
We take great care to safeguard your customer information and to ensure its accuracy.
We limit employee access to nonpublic personal information to those who need to know this information in order to serve customer relationships. Employees are educated about the importance of privacy in accordance with our Standards of Conduct Policy. We maintain physical, electronic and procedural safeguards that comply with all applicable regulatory standards to guard your nonpublic personal information. We strive to maintain complete, current and accurate information about you and your accounts. If you request a correction to our records, we will respond in a timely manner.
Sharing of the Information Gathered on This Site
We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
California Privacy Law
We will provide a separate short form notice describing the rights of California residents to opt out under California law, including rights to opt out of affiliate sharing. We will only share non-public personal information as required or permitted by law.
What Cookies Are and How They Are Used
The Security We Use to Protect Your Information
We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.
This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.
Updating or Deleting Your Information, Including Demographic and Profile Data
You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will need to contact us via email, phone or postal mail to request that we update or delete your information.
Demographic and Profile Data
We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.