Welcome to Barton
Mortgage Corporation's web site. This section explains
our policy regarding any personal information you might
supply to us when you visit this site. Our goal is to
protect your information on the Internet in the same
way that we protect it in all the other ways we interact
with you: in branches and on the phone.
Our top priority is to provide you,
our customer, with outstanding products and services.
To achieve this goal, Barton Mortgage Corporation,
must collect, maintain, use and share with third parties,
certain personal and financial information about you
and your activities with us. We recognize and respect
your privacy concerns and expectations about how we
use and share this information. We want you to know
about our privacy policies and practices.
This Customer Privacy Statement applies
to Barton Mortgage Corporation (referred to in this
Statement as "we" or "us"). Please
read it carefully and keep it for your records. We
will give you a new Customer Privacy Statement whenever
we change our privacy policies.
Collection
and Use of Customer Information:
We collect, retain and utilize information about you
to operate our business and to make our products,
services and other opportunities available to you.
Much of the information we collect, such as account
balances, credit information, and payment history,
is non-public personal information. We obtain this
information (collectively referred to as "Customer
Information") about you from a variety of sources,
including: Information we receive directly from you
in applications and other forms that you deliver to
us and from our communications with you. This may
include information such as your address, telephone
number, employment, assets, income, debt, etc. Information
we receive from other sources regarding your employment,
credit or other relationship with you or verifying
information you have given us. This may include information
such as your employment history, loan and/or credit
card payment history, loan or credit card balances,
your property insurance coverage, appraisals of your
residence, tax returns, etc. Information we receive
from credit bureaus regarding your credit history
and creditworthiness (such as the amount of your total
debt, your payment history, etc.). Information we
obtain from public sources. This may include information
contained in federal, state and local records such
as recorded liens on your property, real estate taxes
and assessments, tax liens, etc.
Disclosure
of Information:
We do not sell Customer Information (described above)
to non-affiliated third parties for marketing purposes.
We may disclose Customer Information to third parties
including investors, title companies, closing attorneys,
appraisers and others in an effort to provide you
with a mortgage loan. Only such information as is
deemed to be absolutely necessary to complete the
transaction will be provided by Barton Mortgage Corporation
to third parties. In doing so, Barton Mortgage Corporation
will comply with all necessary federal and state laws
to insure your privacy.
Protection
of Information:
We maintain appropriate procedures to protect the
security of your information. Our employees receive
training and understand the importance of confidentiality
and customer privacy. We restrict access to your personal
and account information to those employees with a
business reason for accessing such information. We
maintain physical, electronic and procedural safeguards
that comply with federal standards to guard your Customer
Information. Even if you decide to withdraw your loan
application, any Customer Information we have about
you will remain subject to the policy and practices
described in this Customer Privacy Statement.
The Customer Privacy Statement may be
amended at any time by Barton Mortgage Corporation,
and notice of any changes will be given to Barton
Mortgage Corporation customers as required by applicable
law.
Under the Gramm-Leach-Bailey Act of
2001 (15 USC 1, Sec. 6801), you have a reasonable
time in which to direct Barton Mortgage Corporation
that any non-public information not be disclosed to
any third party. To do so, you must notify Barton
Mortgage in writing that you are exercising this option
to opt out of the loan program.