Cliffco Privacy Policy

Welcome to cliffcomortgage.com. This site is owned by Cliffco, Inc. (d/b/a Cliffco Mortgage Bankers). Cliffco Mortgage Bankers (Cliffco) understands and respects the importance of your privacy, and we are committed to protecting it. Therefore, this privacy policy is designed to tell you who we are and about our practices regarding the collection, use and disclosure of information that you may provide via this site. We provide this privacy policy to protect your information. This privacy policy covers the handling of any personal information we shall collect through our website. In addition, there are also federal laws to protect the privacy of personal information. Please be sure to read this entire privacy policy before using or submitting information to this site. This site is intended for use by residents of the United States.

Sites Covered by This Privacy Statement

This privacy statement applies to the Cliffcomortgage.com website. It does not apply to any linked sites. To learn about the privacy policy of a linked site, please refer to the privacy statement for that site.

Visiting Our Website

You can browse our website without telling us any personal information. You also may be able to set your browser to reject cookies. If you do that, then the website may be less functional for you. To learn more about cookies, please read below sections referencing cookies. There are times when you may choose to give us personal information about you, for different reasons, based on the nature of your inquiry. For example, you may ask that a Cliffco representative call you, or you may request a quote for a mortgage from one of our licensed mortgage loan originators. We need certain information from you so we can respond to your request. This website and its contents are meant for the viewing of the general public. We do not need or require information from you to register or authenticate you for this access. Your only submission of personal information will be to allow us to contact you and discuss your inquiry and/or our services further. This website does not collect or retain your information for any company use, except to facilitate contact with you when you submit an inquiry or request to speak with us.

Your Consent

By using this site, you agree to the terms of this privacy policy. Whenever you submit information via this site, you consent to the collection, use and disclosure of that information in accordance with this privacy policy.

Kinds of Information We Collect

We collect Personal Information that you voluntarily give us on this website: cliffcomortgage.com

Information You Provide

Some areas of this site may ask you to submit personally identifiable information in order for you to benefit from the specified features (such as newsletter subscriptions or tips/pointers) or to participate in a particular activity (such as sweepstakes or other promotions). You will be informed as to what information is required and what information is optional.

Personal Information

Cliffco collects general personal information that you knowingly and voluntarily give us, via our online request form or submitted via an email inquiry, for example, to:

  • Request a call from a Cliffco representative.
  • Register for a service on this website (if and when applicable).
  • Complete a survey (if and when applicable).

How Collected Information is Used

Cliffco shall use the personal information we collect for the purpose disclosed at the time of collection, which may include, but not be limited to:

  • Answering your inquiry
  • Responding to your request for a call (by management or staff) or quote (only by a licensed mortgage loan originator)
  • Discussing our products or services with a licensed mortgage loan originator
  • Processing a loan application for you
  • Analyzing how visitors access and use our site

with the information that you voluntarily submitted. This personal information commonly includes your name, address, email address, telephone number and, if applicable, other forms of identifying information specific to addressing your inquiry or contact with Cliffco. Our website has security safeguards that are designed to protect the security of any personal information that you decide to give us via the Internet. We will not use your personal information for any other discernible purpose, unless required by law.

Access to Your Information

You may request access to the personal information that Cliffco holds about you by contacting one of our company representatives, at our corporate offices, at any time during regular business hours, Monday through Friday, 9:30 a.m. to 5:30 p.m., EST. If you wish to change personal information that’s out of date or inaccurate, then please also contact us. After notice and follow-up written confirmation from you, we shall expeditiously take all reasonable steps to correct any of your information that is incomplete, inaccurate or out-of-date. If you wish to have your personal information deleted and no longer used to contact and communicate with you regarding our business, products and services, then please let us know through written correspondence, in traditional or electronic form, and we shall process the deletion of that information from our databases wherever practicable and as soon as possible.

Passive Information Collection

As you navigate through this site, certain anonymous information can be passively collected (that is, gathered without your actively providing the information) using various technologies and means, such as Internet protocol (IP) addresses, cookies, Internet tags or Web beacons, and navigational data collection (log files, server logs and clickstream). Your Internet browser automatically transmits to this site some of this anonymous information, such as the URL of the website from where you just came and the Internet protocol (IP) address and the browser version your computer is currently using.

This site may use and combine such passively collected anonymous information to provide better service to site visitors, customize the site based on your preferences, compile and analyze statistics and trends, and otherwise administer and improve the site for your use. Such information is not combined with personally identifiable information collected elsewhere on the site unless you have consented.

Our sites use Internet protocol (IP) addresses. An IP address is a number assigned to your computer by your Internet service provider so you can access the Internet; it’s generally considered to be non-personally identifiable information, because in most cases an IP address is dynamic (changing each time you connect to the Internet), rather than static (unique to a particular user’s computer). We use your IP address to diagnose problems with a server, report aggregate information, determine the fastest route for your computer to use in connecting to a site, and administer and improve the site.

A “cookie” is a bit of information that a website sends to your Web browser that helps the site remember information about you and your preferences. You may set your browser to notify you when a cookie is sent or to refuse cookies altogether, but certain features of this site might not work without cookies.

“Session” cookies are temporary bits of information that are used to improve navigation, block visitors from providing information where inappropriate (the site “remembers” previous entries of age or country of origin that were outside the specified parameters and blocks subsequent changes), and collect aggregate statistical information on the site. They are erased once you exit your Web browser or otherwise turn off your computer. This site uses session cookies.

“Persistent” cookies are more permanent bits of information that are placed on the hard drive of your computer and stay there unless you delete the cookie. Persistent cookies store information on your computer for a number of purposes, such as retrieving certain information you have previously provided (such as passwords), helping to determine what areas of the website visitors find most valuable, and customizing the website based on your preferences. Persistent cookies placed by this site on your computer may hold personally identifiable information, but only if you have registered or have otherwise consented to the retention of personally identifiable information you have provided at the site. Otherwise, our site’s server only knows that an unidentified visitor with your cookie has returned to the site. This site uses persistent cookies.

You can set your browser to accept all cookies, to reject all cookies or to notify you whenever a cookie is offered so you can decide each time whether to accept it or not. To learn more about cookies and how to specify your preferences, please search for “cookie” in the “help” portion of your browser.

Internet tags (also known as single-pixel GIFs, clear GIFs, invisible GIFs and 1-by-1 GIFs) are smaller than cookies and tell the website server information such as the IP address and browser type related to the visitor’s computer. Tags may be placed both on online advertisements that bring people to the site and on different pages of the site. These tags indicate how many times a page is opened and which information is consulted. We do not collect or seek personally identifiable information through these tags.

Navigational data (log files, server logs and clickstream data) are used for system management, to improve the content of the site, for market research purposes and to communicate information to visitors.

Google Analytics – Statements

Cliffcomortgage.com utilizes the guidance of Google Analytics for our website’s visitor interactions. Please refer to the applicable statements below, and for further questions please refer to www.google.com and its privacy statements/analytics overview.

Google Analytics Cookies

Like many services Google Analytics uses first-party cookies to track visitor interactions. These cookies are used to store information, such as the time that the current visit occurred, whether the visitor has been to the site before and what site referred the visitor to the Web page. Browsers do not share first-party cookies across domains.

Use of IP Address

Every computer and device connected to the Internet is assigned a unique number known as an Internet protocol (IP) address. Since these numbers are usually assigned in country-based blocks, an IP address can often be used to identify the country, region and city from which a computer is connecting to the Internet. Google Analytics collects the IP address of website visitors in order to provide website owners with a sense of where in the world their visitors originate. This method is known as IP geolocation.

Google Analytics does not report the actual IP address information to Google Analytics customers. Additionally, using a method known as IP masking, website owners that use Google Analytics have the option to tell Google Analytics to only use a portion of the IP address, rather than the entire IP address, for geolocation. Whether or not website owners use Google Analytics, they have access to IP addresses for visitors to their sites.

Disclosure of Information

We may disclose information collected on this site to:

  • The appropriate individuals within our organization or branch office, so that an individual can respond to your request or tell you about a product or service we offer.
  • A Cliffco licensed mortgage loan originator, to provide you with a loan quotation or other information regarding mortgage loan products.
  • Third parties as permitted or required by law, for example:
    • Regulators.
    • Vendors that provide service to us.
    • Law-enforcement authorities.

Access and Correction

To keep personally identifiable information that you provide via this site accurate, current and complete, please contact us as specified below, and we will take appropriate steps to update or correct such information in our possession.

Security

Cliffco and this website endeavors to take all reasonable steps to keep and insure that any personal information you transmit to our site, and we receive, will be secured and kept accurate and up-to-date, as well as be protected from loss, misuse, unauthorized access, disclosure, alteration or destruction. Personal information is stored in secure files.

The Internet, as a medium of communication, is recognized, at times, not to be a secure method of transmitting information. Accordingly, we cannot accept responsibility for the security of information that you send to or receive from us over the Internet or for any unauthorized access or use of that information. You should keep in mind that no Internet transmission is ever 100 percent secure or error-free. In particular, email sent to or from this site may not be secure, and you should, therefore, take special care in deciding what information you send to us via email. Moreover, it’s your responsibility to safeguard your use of passwords, ID numbers and other special access features on this site.

Changes to This Privacy Policy

Cliffco reserves the right to change, amend or modify any aspect of this privacy policy, or in its entirety, at any time, as deemed necessary. To insure you are kept up to date with any changes that may take place, please continue to regularly visit this privacy page and check back periodically. If this privacy policy changes, the revised policy will be posted on this site.

This privacy policy was last updated January 2015.

Your Choices

We only collect the personal information you voluntarily give us. If you don’t want to give us this information via the Internet, then you may call Cliffco for service at 516.408-7300 during our regular business hours, Monday through Friday, 9:00 a.m. to 5:30 p.m., EST.

Email

From time to time, we may send you email about our products and services. If you do not wish to receive emailed marketing messages from us, then please send us an email at info@cliffcomortgage.com. The address from which you write to us will be removed from our lists for email marketing messages.

Children’s Privacy Online

This website is not directed toward children. We do not knowingly collect or post information from children younger than the age of 13. You can learn more about children’s privacy and the Children’s Online Privacy Protection Act (COPPA) at the Federal Trade Commission’s website at http://www.ftc.gov.

Links to Other Websites

This site may contain links or references to other websites. Please be aware that we do not control other websites and that, in any case, this privacy policy does not apply to those websites. We encourage you to read the privacy policy of every website you visit.

Effective Date

This privacy statement is effective as of January 2015. We reserve the right to change this statement. If we change it, then we will post the current privacy statement on this page. Any changes to this statement will be effective as of the day they are posted.

Contact Us

It’s important for us to know what visitors have to say about our website. If you have any questions, comments, requests or concerns related to this privacy policy or the information practices of this site, or if you would like to opt out of future communications, then please visit our contact us section or contact us with your questions or comments at (516) 408-7300 or email us at info@cliffcomortgage.com.