A: Why use a Connecticut Mortgage Broker?
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Acorn Home Mortgage Privacy, Security and Disclosure Policy
At Acorn Home Mortgage Connecticut, your privacy and security are very important to us, which is why we work hard to protect it. The Connecticut mortgage process involves communicating personal and financial data, and we understand the need for a safe and secure environment in which to share this information. We respect the trust you are giving us and do not use your information for any purpose other than to underwrite and approve your loan. We,Acorn Home Mortgage Connecticut, have no intention of selling or renting any of your information to anybody outside our organization or of sharing that information with any third party other than for the purpose of underwriting and approving your loan.
Please note that, to protect your privacy, we cannot accept communications from someone claiming to represent you, unless the party acting for you is your attorney, guardian, trustee or is otherwise authorized by law to represent you.
We collect, retain and use only relevant information about our customers that we reasonably believe will be useful to administer our business, to provide you products and services, to ensure the security of your account and that the law allows or requires us to have to conduct our business. We collect nonpublic personal information about you from the following sources: Information we receive from you on applications, such as your name, address, marital status, assets, income and social security number;
Information we receive from a consumer reporting agency, such as your credit worthiness and credit history;
Information about your transactions with us, our affiliates and others, such as payment history and account balances;
We have established procedures to ensure that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. We strive to keep our records of your information accurate and we will respond promptly when we learn of the need for corrections.
We have procedures and security levels that limit employee access to nonpublic personal information to those with a business reason for knowing such information. We educate our employees so that they will understand the importance of confidentiality and customer privacy. All employees have agreed to our privacy pledge, and we take appropriate disciplinary measures to enforce employee privacy assurances. We maintain appropriate security standards and procedures regarding unauthorized access to customer information. We continually update and test our technology to improve the protection of our information about you and to assure the integrity of our information.
In the course of conducting our business, we don't disclose any nonpublic personal information about our customers to anyone, except as permitted or required by law. To be able to respond to your inquiries and determine which products and services would be most useful to you, we may disclose all of the information we collect as described above to our lending institutions in the normal course of establishing a loan or line of credit.
We will not share your nonpublic personal information with anyone who does not agree to keep your information confidential. If you believe we have shared your information inappropriately, please call us at the toll free number listed on this site.
Fair Credit Reporting Act
The Fair Credit Reporting Act is the primary law that covers information sharing among our lending institutions for the purpose of serving as a factor in establishing a consumer's eligibility for credit or any other purpose authorized under the Act.
Unless you tell us not to, we may share with our lending institutions information about you such as your name, address, marital status, assets, income and social security number. We may also share information we obtain from a consumer report, such as your credit score or credit history and details we obtain to verify representations made by you, such as your open lines of credit. In addition, we might be required to disclose details regarding confirmation of a third party’s employment or credit relationship with you, specifically your employment or credit history.
All of the pages on our website that ask for your personal information are delivered to your browser through HTTPS, a secure server communications layer. To verify the security of a page, look for the "lock" (in Internet Explorer) or "key" icon (in Netscape) on your browser.
We use Secure Socket Layer (SSL) data encryption to protect information like your personal and financial information during data transmission to Acorn Home Mortgage Connecticut. SSL prevents anyone from intercepting or reading your personal information by encrypting, or translating, the data into a string of unreadable characters. Only we can decode the encryption. We also protect your information while off-line by restricting employee access to our systems, only making sensitive data available to specific individuals for the execution of their jobs, such as those related to a loan officer or a customer service representative. Our computer terminals are password protected and employees must sign in and out with respect to every confidential function. Our internet computer servers are maintained in a secure environment in Orem, UT under fully restricted access.
E-mail is an important communication channel between you and us. Our news and information services are delivered to our customers and prospective customers via unencrypted e-mail. Please do not use your email to transmit any information to us of a sensitive or confidential nature, always use our secure encrypted pages on this website.
Acorn Home Mortgage Connecticut does use various tracking products and methods to analyze the website traffic behavior and trends so that we can better understand the habits of our customers. This information is not recorded at the individual visitor level and contains no personally identifiable information; it is used solely to help us to improve our service to you by simplifying the navigation of the site and to enhance the accessibility of our information and products.