W&V Privacy and Security Policy
This privacy statement describes how Wallick & Volk, Inc. collects and uses the personal information you provide to us on our website: www.wvmb.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
Wallick & Volk, Inc. is committed to protecting consumers' and borrowers' non-public personal information at all times. To that end, we employ and maintain extensive physical, electronic, and procedural safeguards to ensure your non-public personal information is protected as a customer of Wallick & Volk, Inc. In addition, we monitor technical enhancements and practices in the field of information security and privacy to ensure our safeguards remain an effective tool in protecting your non-public personal information.
How and Why We Collect Personal Information
You provide this non-public personal information to us so that we may help meet your mortgage-related goals. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you, and enhance the customer service we provide to you by better understanding your financial needs and preferences.
This information may include:
- Information we receive from you on applications or other forms (such as phone numbers, Social Security and account numbers, assets, income and employment history, etc.);
- Information about your transactions with us, our affiliates or others (such as your loan balance, payment history and other account information);
- Information we receive from mortgage service providers (such as consumer reporting agencies);
- Information collected from your web browser when you visit our websites (such as date, time and areas of our websites that were visited).
Information We Collect When You Browse Our Website
We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Personally identifying information about you is only collected if you decide to sign up for an account with us, and/or apply for a loan through us.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.
Web Event Tracking
Wallick & Volk, Inc., or one of its third party vendors, may employ a software technology called clear gifs (a.k.a. pixel tags), that helps us better manage the content on our site(s) by informing us what content is effective. These are graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of a period. The information gathered by clear gifs is tied to our customers’ personally identifiable information.
Clear gifs may also be utilized in our HTML-based emails to let us know which have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
Access to Information
If your personally identifiable information changes, or if you no longer desire our service, you may request us to correct, update, delete, or deactivate it by emailing our Customer Support at email@example.com. We will respond to your request to access within 30 days. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Categories of Affiliates and Non-affiliated Third Parties that Receive Information from Wallick & Volk, Inc.
We may disclose non-public personal information about you to the following types of affiliates (within the Wallick & Volk, Inc. family of companies) and nonaffiliated third parties (outside the Wallick & Volk, Inc. family of companies): Financial service providers, such as mortgage lenders, mortgage bankers, banks, securities brokers, tax preparers, financial advisors and insurance agents.
We may also disclose non-public personal information about you to affiliated and non-affiliated third parties as permitted by law. Affiliates and non-affiliated third parties that receive your non-public personal information agree to keep that information confidential and to use it for only the function that we ask them to perform.
Third Party Services and Agreements
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing or purchaser or seller agreements.
How We Protect Your Personal Information and Your Privacy
We restrict access to non-public personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public information.
Sharing of Personal Information with Third Parties
Wallick & Volk, Inc. shares non-public personal information:
- To companies involved in the loan process such as mortgage lenders, title companies, credit reporting companies and insurance companies and mortgage investors and mortgage servicers who are a necessary part of the mortgage transaction. As a result, we must provide some of your information to these companies in order to process and fund your loan.
- With service providers that assist us with processes or functions.
Links to Other Sites
Our Site includes links to other websites whose privacy practices may differ from those of Wallick & Volk, Inc. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Our website(s) offer publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog, please contact us at firstname.lastname@example.org, or call 1-800-280-8655. In some cases, we may not be able to remove your personal information. If this occurs, we will let you know if we are unable to do so and why.
Agreement and Contact
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing to the following:
- To receive important notices and other communications at any phone number or email address (including a mobile device) you entered so that Wallick & Volk, Inc. can contact you. This authorization removes any previous registration(s) on a federal or state Do-Not-Call (DNC) registry or any internal opt-out/unsubscribe requests you may have previously requested with Wallick & Volk, Inc.
Notice to California Residents
The information sharing practices described above are in accordance with Federal law. State law in California places additional limits on sharing information. In accordance with these laws, Wallick & Volk, Inc. will not share information we collect, except:
- As required or permitted by law (such as in response to a subpoena), or
- To companies that perform services on our behalf, or
- With your authorization or consent.
Notification of Privacy Statement Changes
Wallick & Volk may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
Contact for Privacy Related Issues
You can contact us by mail at:
Wallick & Volk, Inc.
Attn: Compliance Officer
222 E. 18th Street
Cheyenne, WY 82001