We at Bailey and Wood Financial Group are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services. This policy is provided to you as required by the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and the appropriate regulations and guidelines thereunder.
What Information We Collect From You
We collect various types of personal information about you during the normal course of offering and providing mortgage services. This information is provided through electronic submission, facsimile, voice communications and/or hard copy. The information includes but is not limited to: information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer’s name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment and credit; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.
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.
What Cookies Are and How They Are Used
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.
We take pride in protecting the information you provide to us. We currently maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We restrict system and building access to only authorized individuals. We encrypt customer’s electronic information before it is transmitted to any third party and consistently monitor systems to detect actual and attempted attacks to help ensure early detection and proper attention. Private information will be returned or securely destroyed consistent with applicable law when it is no longer in use or needed to fulfill legal/regulatory requirements or to maintain company books and records.
Updating or Deleting Your Information
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 not be able to change any of the information online. We are required to keep certain pieces of information for regulatory reasons. You will need to contact us via email, phone or postal mail to request that we update or delete information that we have the ability to update or delete. We will not discriminate against you for wishing to update or delete information about you that we possess.
Communication and Opt-Out Form
We may occasionally call or send out email messages and mailers related to our products and services. You may choose to opt-out of these calls and mailings at any time.
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process.