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Security and Privacy Policy

Effective Date: June 1, 2019

Our Security and Privacy Policy

At Churchill Mortgage, we seek to build long-lasting relationships, based on honesty, integrity and trust with individuals. As part of that effort, it’s important for us to share how we protect your personal identity, credit, and other aspects of your financial well-being as we collect information from you.

By using our website, you are consenting to the use of information and agreeing to these guidelines and the other Churchill Mortgage policies described in our privacy policy and on our website. We do not knowingly attempt to solicit or receive information from anyone under the age of 18.

Churchill Mortgage does not share your personal information with outside companies for promotional use without your consent.

Churchill Mortgage Advertising and Media Guidelines

At Churchill Mortgage, the following practices help protect your privacy while using our website:

We do not make our advertising or marketing decisions based on political affiliations or in support of (or against) any political or religious groups. We do choose to protect our brand and our brand values by ensuring our advertising and marketing efforts do not appear in print or online content that is damaging to our brand guidelines.

When deciding where our advertising messages will appear, we choose to advertise within programs that do not exploit excessive violence or sexuality, do not demean any religion, race, or gender. If our advertising/marketing does appear within content that violates this, we will review the programming, content, medium, etc. in question and make a decision about the future ads or marketing in that particular situation. It will be on a case by case consideration.

Churchill’s Mission and Practices

At Churchill Mortgage, our goal is to make sure you are aware of how we view the importance of your personal privacy and what principles we follow on our website and webpages affiliated with Churchill Mortgage. Here are some of the things we do at Churchill to make sure your privacy is secure:

· We give you choices about how the personal identifiable information you provide may be used.

· We tell you how and why we use web technologies.

· We provide you the opportunity to update or correct your personal identifiable information.

· We provide you notice of our website information and content practices.

· We work to protect personal identifiable information from loss, misuse, or unauthorized alteration.

· We provide various ways for you to contact us about our information practices and other aspects of privacy.

Our Website Practices

Any information requested from you when you visit any Churchill Mortgages websites or webpages, will not be shared to outside companies for any promotional use. Below is a description of the information we collect from you and how it’s used:

Churchill Protects Your Identity and Credit

When you apply for a mortgage, credit reporting agencies will likely share your information to use. Because of this, you will likely receive Email or phone calls that you didn’t ask for you and offering you options for refinancing your current home (if applicable), opening new credit cards, or other loan products. If you would like to stop these Emails and phone calls, you can choose to opt out of these pre-screened credit offers. Call (888) 567-8688 or visit www.optoutprescreen.com .

  • Credit Report: When you submit a loan application or a request to be pre-qualified, pre-approved or to become a Churchill Certified Home Buyer, you authorize us to share your credit report with our affiliates only to process your home loan application.
  • Online Help: Churchill has an interactive chat function on our website. If you choose to communicate an online discussion via your desktop computer or via phone with a Churchill Mortgage support member, you may be asked to provide your information so we can assist you further with the mortgage process. Please note - we won’t ask for any personal information when using this service, but if you do provide this information it will only be used to respond to your request. We maintain transcripts of our chat sessions with you.
  • Tools, Resources and Form Registration: We provide several ways for you to explore your options for mortgages, so you can determine which options may be the most desirable for you. You can engage with a variety of tools such as calculators, online chat, quizzes, etc. without providing your identity. Churchill will not ask for personal identifiable information to use these features. We also do not attribute the information provided to you. If you find a home loan option that you’re interested in, please register on the website and supply identifiable information needed to continue processing your application.

By filling out a form and registering on Churchill Mortgage’s website or webpages, your contact information and any supporting information will be saved. Churchill will use your contact information to send you alerts and updates regarding your loan status, which is part of the Churchill Mortgage service before, during, and after the loan process is complete. Churchill Mortgage does not share your information with outside companies for their promotional use. We may use it to send you communications on other products and services offered by Churchill Mortgage. If you do not want to receive this information you may opt-out of future communications by sending an Email to insert email address here. We may your provided information, on a confidential basis, to our service providers (such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your mortgage).

Emails, Blogs, and Newsletters: We provide you the opportunity to subscribe to Email newsletters and blog Emails, as well as Email communications. You may unsubscribe by sending an Email to insert email address here. Or clicking the “unsubscribe” link at the bottom of each individual Email.

  • Contests, Sweepstakes, and Surveys: We may offer you the option to participate in sweepstakes, contests, or client (or potential client) surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to contact your regarding award prizes, home purchase or refinancing options, or our research to improve our offerings. All of Churchill Mortgage’s contests or sweepstakes have separate rules and we will identify how the information that you supply will be used in each case. Each contest or sweepstakes will have a separate link to the separate rules and conditions on each communication.
  • Service Providers: In some instances, Churchill will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology and send Emails. When we employ these third-party providers, we may need to share your personal identifiable information. Please note that all of Churchill’s service providers are prohibited from using your personal identifiable information for purposes other than to act on our behalf for mortgage-related business.
  • Service Alerts and Important Notices: Although we respect the privacy preferences you have expressed, we may need to contact you to inform you of certain changes that may impact your ability to use our service or for other critical non-marketing purposes. We may also contact you to respond to your specific requests,or to clarify information you provided to us.
  • Optional and Mandatory Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you with the full service you are requesting. As part of your use of Churchill’s website, we may collect information that will include your name, address, Email address, phone number, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to Churchill Mortgage obtaining a credit report on your behalf and for us to use that information as described in this policy. We will also collect information about your activity on the Churchill Mortgage websites and use that information as described in this policy.
  • Email Messages: When sending you Emails, Churchill Mortgage may use software to send Emails and determine whether you’ve opened an email, clicked on a link within an email, or if you were redirected back to our website or webpages. We use this data on an aggregate level to evaluate response rates to our Email messages and to determine which links are most useful to our client base.
  • Within the Churchill Mortgage Family: Within the Churchill Mortgage family, which includes our title company, Churchill Title Solutions., we may exchange customer information to fulfill your requests or to provide you with information about other products or services, if you have chosen to receive such communications.
  • Change of Control: Your personal identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Churchill Mortgage. You will have the opportunity to opt out of further secondary use of your information following any change of control.
  • Changes to our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personal identifiable information, we'll post those changes to the Churchill Mortgage website 30 days before they take effect.
  • Legal Disclosures: In some cases, Churchill Mortgage may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.

Our Goal Is to Protect You and Your Personal Information.

We employ industry-recognized safeguards to help protect the personal identifiable information you provided us from loss, misuse, or unauthorized alteration. All data sent to Churchill Mortgage is protected with technology that enables encryption of your data. We use:

  • Secure Socket Layer (SSL): The Churchill Mortgage web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
  • 128-Bit Domestic Grade Strong Encryption: Churchill Mortgage uses 128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially available for Internet products. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States citizens can download free 128-bit browsers from Mozilla, Apple, orMicrosoft.

Churchill Mortgage works to protect your personal identifiable information stored on our site's servers from unauthorized access using industry standard computer security products, such as firewalls and carefully developed security procedures and practices. All Churchill Mortgage employees must review and sign a statement of these practices which include but are not limited to: limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. We use both internal and external resources to review the adequacy of our security measures on a regular basis.

Why Churchill Uses Internet Technologies

Here is how and why Churchill Mortgages uses common web technologies to help manage our websites and webpages:

  • Cookies: A "cookie" is a small piece of information that the Churchill Mortgage website and webpages may provide to your Internet browser while you are visiting our sites. The Churchill Mortgage website supplies your browser with “cookies” that contain a unique identifier used to better understand website usage and on individual levels, so we know what areas of our website users prefer. We do this through a tracking mechanism that allows us to reconstruct activity from a web session or by a user, for troubleshooting and issue resolution purposes. Churchill Mortgage may also employ third-party service providers to help us collect and understand our website usage data.

Churchill Mortgage third-party service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called pixel codes or web beacons, to your browser to track the effectiveness of Churchill Mortgage advertising on other websites and your involvement with Churchill Mortgage. For example, as part of the Churchill Mortgage affiliate programs, our service providers use cookies and pixel codes to determine when affiliate program members have referred a customer to Churchill via a link on their website. The Churchill Mortgage website and webpages also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer's personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. Churchill Mortgage may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.

If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won't be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.

If you wish to remove cookies provided by Churchill Mortgage, please check your browser's settings and Help section for instructions for removing cookies from your browser.

Behavioral Advertising: Please be aware that we use third party advertising companies to collect non-personal identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personal identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of cookies and other technology. To opt-out of this type of advertising, please click on the following link: www.networkadvertising.org .

  • Website Usage Data: The Churchill Mortgage website and webpages track usage data, including, but not limited to: your IP address, your web browser type and version, web pages you view, if any web page linked you to our website or if you follow any links off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issuing resolutions. We may also use this data to provide you a personalized website experience, provide assistance with technical support questions, and to send you special offers, product updates, or promotional materials that are relevant and tailored to your specific interests based on your web traffic. If you do not want to receive these offers, send an Email to optout@churchillmortgage.com. We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, and we do not we track your web usage across the Internet once you leave the Churchill Mortgage website or webpages.
  • Browser “Do Not Track” and Other Settings: You may be using an Internet browser that has the ability to communicate your privacy preferences to the Churchill Mortgage website, including requests not to track your usage and browsing history. Currently, the Churchill Mortgage website and webpages do not respond to any of these signals. We may track your activity on these websites and use that information as provided in this privacy policy.
  • Social Media and Third-Party Website Security and Privacy Policies: Churchill Mortgage currently has presence on social media to connect with and market to the public, current Churchill Mortgage customers, prospective customers of Churchill Mortgage, partners of Churchill Mortgage, and potential partners of Churchill. Your activity on third-party social media websites such as Facebook, Instagram, LinkedIn, and Twitter are governed by the security and privacy policies of each of those third-party websites. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Please review the privacy policies of each third-party social media website before signing up for an account and using it to make sure you understand you’re your information may be used or stored. You may be able to adjust privacy settings on your accounts on any third-party social media website. The information posted on or directed at Churchill Mortgage through social media is generally available to the public. In order to protect your privacy, please do not include information you want to keep private or any other sensitive personal information in your social media activity, comments, or responses. This information may be archived independently on, and retention of such information is governed by, the third-party social media website.

You Decide How Your Personal Identifiable Information May Be Used.

We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request in order to process, close, and subsequently service your loan. For example, we may use your contact information to send promotional communications about Churchill Mortgage products and/or services. If you do not wish to receive these communications, you may set your contact preferences during the information collection process or you may call us insert phone number or send an Email to optout@churchillmortgage.com.

Update or Change Your Personal Identifiable Information.

We always give you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you officially submit your application. Once you have submitted your application, you may only change the information by directly contacting our customer support at phone number or emailing us at optout@churchillmortgage.com.

Churchill Mortgage recommends that you do not use Email communications, instant messages, or social media, to send us sensitive personal information. If you need to change any personal information, we recommend that you call us directly.

How Do You Contact Us About Our Practices About Security and Privacy?

Questions regarding the Churchill Mortgage corporate website’s privacy policy, our online privacy policy, our other aspects of security and privacy on our corporate website or any individual Home Loan Specialist’s webpage, should be directed to us by email to insert email address here or by writing to us at Churchill Mortgage, Inc., Attention: OPTOUT, 761 Old Hickory Blvd., Brentwood, TN 37027.