Privacy Policy
Directors Mortgage, Inc. Privacy Policy Effective as of August 30, 2024.
Directors Mortgage, Inc. (“Directors Mortgage” “Directors”, “we”, “us”, and “our”) is dedicated to protecting your Personal Information and informing you about how we use it. This Privacy Policy (“Policy”) is intended to provide information to individuals who visit, access, download, apply or use the Directors website and/or Directors mobile application (“you”, “your”, “user”) about the Personal Information we collect, and how we source, use, disclose, and protect your information when you access or use (1) our websites located at https://www.directorsmortage.net/, and all of our other websites to which this Privacy Policy is posted (collectively, the “Website”); (2) our mobile application(s) to which this Privacy Policy is linked or posted (collectively, the “Application”); and (3) any services, content, communications, and product features relating to the Website and Application (together with the Website and the Application, the “Services”).
This Privacy Policy covers the privacy practices of Directors Mortgage with regard to Services, Website and/or Application but does not cover privacy practices of Directors Mortgage affiliates or business partners, including but not limited to, Market Appraisals, DIRECT, INC., and Directors Insurance.
By using or accessing the Services, Website and/or Application, offered by Directors Mortgage, you are consenting to the terms of this Privacy Policy.
1. SECURITY AND PRIVACY OF YOUR PERSONAL INFORMATION
In the course of providing, you Services, Directors Mortgage collects certain Personal Information, and we are committed to the security and privacy of your Personal Information.
Personal Information is data which, alone or in combination with other information, can be used to identify an individual. This information includes, but is not limited to name, social security number, birthdate, email address, phone number, address(es), IP address and device ID, state ID, employment information, financial information, cookies and data usage. Personal Information does not include information available from public government records, de-identified consumer information, or aggregate consumer information.
We use reasonable and appropriate physical, technological, organizational and administrative measures to handle your information securely, and protect your Personal Information from unauthorized access, disclosure, misuse, loss, and destruction. Measures we have in place include, but are not limited to, encryption of data, role-based systems access, physical access limitations, and regular review of our data policies and procedures.
It is important for you to safeguard your Personal Information including, but not limited to, Directors Mortgage Application Log-in Access. Unfortunately, no security method or system can be 100% guaranteed and digital transmission of information via the internet is not completely secure. We encourage you to monitor your Directors Mortgage Application User Account has been compromised, please immediately notify us of the problem at 503-636-6000.
2. DIRECTORS DOES NOT SELL YOUR PERSONAL INFORMATION
Directors does not sell Personal Information provided by you or acquired by Directors to third parties.
3. INFORMATION WE COLLECT, PURPOSE, AND SHARING
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies, like ours, can share their customers’ personal information; the reasons Directors chooses to share; and whether you can limit this sharing.
I. Types of Information Collected
The types of Personal Information Directors may collect and share, depend on the product or services you have with us, including the extent to which you may use the Site, enroll and/or use the Services. Specifically, below are the types of information Directors Mortgage collects.
a. Information You Provide
Examples of information we collect include information you provide to us directly, including but not limited to:
b. Data Collected Automatically through the Services
When you use the Services, certain information is automatically collected and provided to us. This may include your IP address, browser and device type, session IDs, crash reporting data, location data, and number of email addresses per device.
We use “cookies” and similar tracking technologies to track the activity of the services provided to you, our client. Cookies are sent to your internet browser from a website and stored on your device (computer or cell phone). These cookies help us improve your access to our website and identify repeat visitors to the Website. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on the Website. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. The Website may also collect information about your geographic location.
II. When We Collect Your Information
We collect your Personal Information, for example, when you:
As described above, Directors also collects your Personal Information from others, such as affiliates, non-affiliates, or other companies, and collects some information automatically when you use the Services.
III. Information Collection Purposes
Our purposes for collecting Personal Information include, but are not limited to the following:
• Respond to legal obligations and rights;
IV. Information Disclosure
Directors Mortgage discloses your Personal Information to third party service providers to facilitate our provision of the Services to you. Directors requires our Third-Party Service Providers to protect your confidentiality and have reasonable and appropriate safeguards in place to protect information contained in their systems from unauthorized access, disclosure, misuse, loss and destruction. Directors will, as needed, disclose information required by Third-Party Service Providers for your authorized access and use of Services and transactions.
Directors may also share your Personal Information with affiliated companies and partners of ours, as described below, for marketing and promotional purposes. If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. You may opt out of our sharing your Personal Information for this purpose by contacting us via the following means:
When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
In some instances, Directors may also disclose your Personal Information to meet our own legal and contractual obligations.
Reasons we can share your personal information | Does Directors Mortgage share? | Can you limit this sharing? |
For our everyday business purposes —– such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes —— with service providers we use to offer our products and services to you | No | We Don’t Share |
For joint marketing with other financial companies | No | We Don’t Share |
For our affiliates’ everyday business purposes —– information about your transactions and experiences | Yes | No |
For our affiliates’ everyday business purposes —— information about your credit worthiness | No | We Don’t Share |
For affiliates to market to you | Yes | Yes |
For nonaffiliates to market to you | No | We Don’t Share |
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing.
4. AFFILIATES, NON-AFFILIATES, AND JOINT MARKETING
Affiliates are companies related by common ownership or control. They can be financial and nonfinancial companies. Directors Mortgage, Inc.’s affiliates include financial companies, such as Market Appraisals, DIRECT, INC., Directors Insurance, Inc.
Non-affiliates are companies not related by common ownership or control. They can be financial and nonfinancial companies.
5. PROCESSING LOCATION AND INFORMATION RETENTION
Any Personal Information Directors acquires will be processed in the United States and may in some instances be stored or processed in other locations. Please note that the laws concerning the processing of Personal Information in these jurisdictions may differ from the laws of the jurisdiction where you are located.
Directors will retain your information for a minimum of the duration under which it is necessary to provide you with the Services, and fulfill our contractual, legal and regulatory obligations. When you are no longer our customer, we may continue to disclose your information as needed to fulfill our contractual, legal and regulatory obligations.
Directors will make reasonable efforts to delete requested information, when appropriate and possible. Deletion requests for certain Personal Information may result in our inability to provide you Services. Not all consumer deletion requests can be accommodated. Directors, at our sole discretion, may retain certain information requested by an individual to be deleted to comply with contractual, legal or regulatory retention requirements.
6. UPDATING YOUR PERSONAL INFORMATION
Your Personal Information used for the Services may be reviewed and updated by logging into your Directors Mortgage Application or calling us at 1-503-636-6000. Your information may be updated or deleted, when reasonable, in accordance with legal or regulatory retention requirements. Please note that certain sensitive information collected and maintained for the Services may not be updated due to its critical role in confirming user identity upon enrollment.
7. CHILDREN AND MINORS
Directors, and its Site, Application (“App”) and Services, is not directed to individuals under age 18 (“child”, “children”, “minor”). As a parent or guardian, if you are aware that your Child has provided Directors with personal data, please contact us. Additionally, if you believe we havereceived or collected information from a child under 13, please contact us at Privacy@DirectorsMortgage.net and we will make every reasonable effort to the extent possible to delete their Personal Information from our systems.
8. DO NOT TRACK SIGNALS
Some web browsers may transmit “do-not-track” signals to the websites with which the user communicates. Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether users intend for these signals to be transmitted, or whether they even are aware of them. Because there currently is no industry standard or legal requirement governing what, if anything, websites should do when they receive such signals, we currently do not act in response to these signals.
9. THIRD PARTIES AND LINKS TO EXTERNAL SITES AND SERVICES
Directors may provide links in our Site, Application (“App”) and Services to third parties. Links to third parties and mentions of third parties in our content do not serve as an endorsement of their privacy policies, sites, services or applications. This Policy does not apply to the services, apps, sites and practices of third parties, including those with which we partner. We encourage you to read the privacy policies of each third party’s site, services and application and take steps necessary to protect your information. Directors Mortgage is not responsible or liable for the privacy policies and practices of third parties, and Directors is not responsible for the failure of third parties to uphold their privacy obligations.
10. COMMUNICATION PREFERENCES
If you apply for a mortgage through Directors Mortgage and sign up for Services, you will receive communications from Directors regarding your loan application. You may adjust your communication method preferences of text, email and/or SMS through contacting us directly at 503-636-6000, completing the “Opt-Out” form which can be requested through emailing Privacy@DirectorsMortgage.net or responding to the Opt-in text message “STOP”.
If you directly or indirectly sign up for Services with Directors, provide information to us by entering a Directors Mortgage sweepstakes or contest, or otherwise submit your information to Directors to be communicated with, we may provide you with promotional information via email. You may opt-out or adjust your communication preferences using the link at the bottom of promotional emails.
11. UPDATES TO THIS POLICY
Directors Mortgage reserves the right to update this Policy at our sole discretion at any time with or without prior notice to you. Unless otherwise stated, any changes to the Policy will be effective immediately when the revised Policy is posted. The Policy posted and/or linked on our Site(s) and Application(s) is always the most current effective version. Notice of material changes to this Policy will be posted on the Site and/or Application. You should periodically review this Policy to ensure that you are familiar with the most current version of this Policy. The “Effective” date indicates when Policy was last changed.
12. IMPORTANT PRIVACY CHOICES FOR CALIFORNIA CONSUMERS
Directors provides important privacy choices for California Consumers in Appendix A.
——— APPENDIX A ———
DIRECTORS MORTAGE, INC.
IMPORTANT PRIVACY CHOICES FOR CONSUMERS
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
Your Choices
Restrict Information Sharing with Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.
(_) NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing with Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.
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Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.
To exercise your choices, do one of the following:
Directors Mortgage, Inc.
Attn: Privacy
4550 SW Kruse Way, Suite 275
Lake Oswego, OR 97035
First name:_____________________________________
Last name: _____________________________________
Loan Number (if applicable): __________________________
Street Address:_______________________________________
City:___________________State:____________ZIP:_________
Signature:_______________________________Date:_________
Revised: 08/2024