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Flat Branch Home Loans
Effective as of January 1, 2020
Last updated August 14, 2020
Flat Branch Home Loans, a division of Flat Branch Mortgage Incorporated ("Flat Branch", "we", "our", or "us") respects the privacy of your information. This Privacy Policy is designed to assist you in understanding how we collect, use and safeguard the information you provide to us in using our website (the "Site") and the services provided through our site (the "Services"). If you are a California resident, please also view our California Privacy Policy which supplements this Online Privacy Policy.
If you have a consumer financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.
We may collect Personally Identifiable Information from you through your use of the Site and Services. "Personally Identifiable Information" is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:
We may collect the following Personally Identifiable Information that you voluntarily provide to us:
We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:
In some cases, we may receive certain Personally Identifiable Information from you about a third party. For example, as part of our application process, you may provide the information of a third party. If you submit and Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.
We use the Personally Identifiable Information we collect to provide the Services to you, improve our Site and Services, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:
We may share the information that we collect about you in the following ways:
Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively "Cookies"). "Cookies" are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphone or tablets).
We use Cookies to:
We set some Cookies ourselves and others are set by other entities. We use cookies set by other entities to provide us with useful information to help us improve our Site and Services.
Cookies can be blocked by changing your internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.
You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.AllAboutCookies.org
You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative's website or the Digital Advertising Alliance's website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative's Mobile Choices website.
Please note that these opt-out mechanics are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, and whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. the information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google's privacy policies. To learn more about Google's partner services and to l earn how to opt-out of tracking of analytics by Google, click here.
We use Google reCAPTCHA, a free service provided by Google, Inc. to protect our Site from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans from bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of informaction to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of the visit, cookies, and mouse movements. Your use of Google reCAPTCHA is subject to Google's Privacy Policy and Terms of Use. More information as to Google reCAPTCHA and how it works is available here.
Some internet browsers incorporate a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the "Do Not Track" signal, the Site does not currently interpret, respond to or alter its practices when it receives "Do Not Track" signals.
To unsubscribe from our marketing emails, please call (866) 508-4326 or visit us online: www.flatbranchhomeloans.com/privacy/opt-out.
We maintain commercially reasonable security measures to protect the Personally Identifiable Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee absolute security.
The Site may contain links that will let you leave the Site and access another website. Linked websites are not under our control. This Privacy Policy applies solely to Personally Identifiable Information that is acquired on this Site. We accept no responsibility or liability for these other websites.
The Site is not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13 years of age.
We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to access this Privacy Policy is an alternative format, please contact us as described below.
To contact us for questions or concerns about our privacy policies or practices please contact us at:
Compliance Manager, Flat Branch Home Loans
101 S. Fifth Street, Suite 200
Columbia, MO 65201