Privacy
Policy
At Bill Bowden Mortgage Services respect the privacy of our customers
and are committed to protecting your privacy while visiting
our website. Please take a moment to read over our Privacy Policy
so that you can better understand what type of information we
collect and how we use this information to process requests.
In order to serve our customers, it is a must that we make use
of modern technology and customer information.
Your Expectation of Privacy
Bill Bowden Mortgage Services knows that you count on us to provide
preventive measures to protect customer information. We have
implemented Policies and Procedures to prevent improper usage
of confidential customer information.
Information that Bill Bowden Mortgage Services retains and collects
is used for the purpose of administering financial services
and to provide the customer with additional products or services.
Employee access to customer information is limited to authorized
Bill Bowden Mortgage Services employees whom know the sensitivity
of customer information. Employees are educated on the importance
of confidentiality and customer privacy. Failure to do so will
result in disciplinary action or termination in appropriate
cases.
Collection of Personally Identifiable Information and How We
Use It
Personally identifiable information includes, but is not limited
to, first and last name, physical address, postal code, email
address, business and home phone numbers, social security number,
date of birth, income and other financial information that may
identify you as a specific individual.
We safeguard the information you provide to us. Below are ways
in which we use and protect information received on our Website:
Applications: When you apply online for products and
services, you provide personal information that is necessary
for us to process your application. The transmission of this
information from you to us or from us to you is secured via
SSL Technology (Secure Socket Layer). This technology encrypts
(or scrambles) your personal information during transmission
so it's virtually impossible for anyone other than Bill Bowden Mortgage
Services to read it. You know you are in a secured area when
your Internet Browser shows a closed padlock symbol (Internet
Explorer) or an unbroken key on the lower left corner and a
solid blue line at the top (Netscape browser).
Email: We retain the content of your email, your email
address, and our response so that we can efficiently reply to
your concerns, process your loan application and in order to
comply with federal and provincial record retention requirements.
If we think a particular Bill Bowden Mortgage Services product or
service, or a product or service offered by one of our affiliates,
might appeal to you, we may occasionally contact you at your
email address to inform you of its availability. If you prefer
not to receive promotional emails, please contact us either
by email or at the toll free telephone number listed under the
Contact Us link.
Collection of General Information and
How We Use It
Some areas of our website require information, such as
your email address, to access the status of your application
or to perform certain tasks. In these circumstances, we collect
your information for the purpose of being able to interact or
reply to you. If you are merely browsing our website anonymously
then personal information, such as your email address, is not
collected.
When and How Your Information is Shared
Upon submitting a loan application, the information you
provided is stored in our databases, off of the Internet, and
processed by Bill Bowden Mortgage Services employees. Bill Bowden Mortgage
Services employees may also disclose portions of your information
to our authorized agents to obtain the following services on
your behalf:
Loan underwriting
Credit report
Title search
Mortgage insurance
Appraisal
Settlement
As part of the processing and underwriting of your loan file,
we may be required to contact certain third parties, such as
employers or financial institutions, to verify the information
you provided in your application. We will not divulge this information
to external parties unless we have informed you, been authorized
by you, or are required to do so by law.
Keeping Information Accurate
If you ever notice that your information is not complete, accurate
or current, please contact us either by email or by calling
the toll-free telephone number provided under the Contact Us
link to let us know. We will correct the information as quickly
as possible. If we report any inaccurate information about your
account(s) to a consumer reporting agency, please notify us
in writing of the inaccuracy. Your written notice describing
the specific inaccuracy(ies) should be sent to: Bill Bowden Mortgage
Services, 658 Mt. Thor Drive, Vernon, BC, V1B 3A3.
Planning Tools
When you use various planning tools (calculators and worksheets)
on our website, the calculations are performed on your computer.
We do not capture the personal information you provide on these
planning tools.
Continual Updates
In an effort to enhance our site and the products and
services that are offered to you, we may amend this policy,
and any of the procedures described herein, at any time without
prior notice.
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