This policy is effective as of January 1, 2010.
Keeping Your Information Safe and Secure
Highlights Of Our Commitment To You
- We do not sell customer information to third parties.
- We do not share customer information with outside parties who may wish to market their products to you.
- We safeguard your customer information carefully.
- We are committed to protecting your customer information in every transaction, at every level of our organization.
- We are committed to helping you protect your privacy every day.
This brochure includes the Privacy Policy for ProLink™ Solutions. For homeowner accounts, this Policy describes how we use and protect customer information. We believe that protecting your privacy is an integral part of the customer service we provide to you.
How We Protect And Use Customer Information
1. We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose.
- We limit employee access to customer information to those who have a business reason to know. Employees are required to honor our code of conduct, which includes standards for protecting customer confidentiality.
- We maintain policies and procedures covering the proper physical security of workplaces and records.
- Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information.
- We require contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
2. We collect and maintain customer information as part of servicing your account and your customer relationship.
In the course of serving you, we collect information about you from a variety of sources, such as:
- Information you provide to us on applications or forms, such as your income and accounts with others;
- Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; or
3. The customer information we collect is used to service your accounts and meet your assistance needs.
Information may be used by ProLink™ Solutions, as well as with authorized third parties (described in section 4), for a number of purposes, such as:
- To protect your accounts from unauthorized access or identity theft.
- To process your requests such as assistance applications.
- To keep you informed about the status of your application.
4. We do not share customer information with outside parties who may wish to market their products to you.
We may disclose the information we collect to non-affiliated third parties that are acting on our behalf, or as permitted or required by law, including:
- Companies that perform support services for us, such as data processors, technical systems consultants, or check printers.
- Government entities, courts or other entities (in response to subpoenas and other legal processes), or those with whom you have requested us to share information.
Tips To Help You Protect Your Personal Information
- Carry only necessary information with you. Leave your Social Security card and unused credits cards at home in a safe location.
- Make photocopies of vital information you carry regularly and store them in a secure place, such as a safe deposit box.
- Do not provide your Social Security Number unless absolutely necessary.
- Shred documents containing personal or financial information before discarding. Fraud and identity theft often occurs as a result of mail and garbage theft.
- Place outgoing mail in a U.S. Postal Service mailbox to reduce the chance of mail theft.
- Promptly retrieve incoming mail to reduce the opportunity for theft.
- Monitor your credit report for accuracy. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call 1-877-322-8228.
Online Policy
The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject
1. Registered Users
2. About cookies
3. We work to ensure privacy and security during your online sessions
4. Links to other sites
5. Policy changes
This policy is effective as of January 1, 2010.
1. Registered Users
When you initiate an online application, our website will request information, such as your email address or your loan number. This information allows you to perform certain tasks (for example, apply for assistance) and it allows us to provide the information you requested. In these cases, we collect only the information necessary to interact with you. We also gather data to track website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.
2. About cookies
Cookies are pieces of data assigned by a web server to the browser on your PC. Cookies help websites to keep track of your preferences and to recognize return visitors. So, when you return to a website you've visited before, your browser gives this data back to the server. Contrary to reports about cookies, cookies do not contain viruses. We do not embed your Social Security number, account number(s) or password in our cookies.
ProLink™ Solutions uses cookies to make your online experience richer and more personalized. Also, without revealing your identity, cookies help us confirm your identity and help us keep your information with us secure.
We also use cookies for various purposes such as maintaining continuity during an online session or gathering data about the use of our site.
We recommend that you complete your online transactions and sign off before surfing to other sites or turning off your PC. We also suggest that you do not surf to other sites during your online session.
You cannot use our site without cookies
You can set your browser to reject cookies. However, if you choose to reject cookies, you cannot register online with ProLink™ Solutions. If your browser rejects cookies, you may not be able to sign on to your favorite sites or use the features you like most within those sites.
The latest versions of Microsoft and Netscape's browsers allow you to reject cookies automatically. With this feature it may not be necessary for you to set your browser to reject cookies.
Earlier versions of Microsoft or Netscape's browsers may require you to set your browser to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions.
We encourage you to read the privacy policies of the websites you visit before you accept cookies from them.
3. We work to ensure privacy and security during your online sessions
The information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the internet. This technology scrambles your account information as it moves between your PC's browser and ProLink™ Solutions’ servers. When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than ProLink™ Solutions to read it. This secure session helps protect the safety and confidentiality of your information when you bank with us online.
4. Links to other sites
We are not responsible for the information collection practices of the non-ProLink™ Solutions links you click to from our web pages. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit — before you provide them with any personally identifiable information.
5. Policy changes
If it is necessary to make changes to our online privacy policies, we will update the ProLink™ Solutions Online Privacy Policy with the changes and new effective date.
Social Security Number Policy
Social Security numbers are classified as "Confidential" information under the ProLink™ Solutions Information Security Policy. As such, Social Security numbers may only be accessed by and disclosed to ProLink™ Solutions Team Members and others with a legitimate business "need to know" in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic and procedural safeguards and must be stored, transmitted and disposed of in accordance with the provisions of the Information Security Policy applicable to Confidential information. These restrictions apply to all Social Security numbers collected or retained by ProLink™ Solutions in connection with customer, employee or other relationships.