Privacy and Opt Out Notice
Safeguarding Your Privacy
OUR PRIVACY STATEMENT TO YOU
At Prime Time Mortgage Corp., we are committed to providing you with financial service to meet your needs. That commitment includes protecting personal information we obtain about you (referred to as "information" in this notice). We want to earn your trust by providing strict safeguards to protect information about you as we continue to bring you valuable services. Please read this notice to learn about your Privacy rights.
Write to us at:
Prime Time Mortgage.
275 Route 22 East
Springfield, NJ 07081
Our Information Sharing Policies Apply To:
We collect information from:
Applications, questionnaires, and other forms you submit, such as your name, address, and income
Your transaction with us and others, such as account balances, fees, payment history, parties to transaction, and credit usage.
Credit bureaus (to determine your eligibility for the financial products)
Public sources, such as real estate records and real estate tax information
Web-based tools when you visit our web site
We May Disclose The Information Described Above To:
OUR SECURITY PRACTICES
We Have Safeguards To Keep Information Confidential and Secure
We have up-to-date physical safeguards, electronic safeguards, such as password and encryption; and procedural safeguards, such as retaining copies of id’s
We restrict access to information about you to only those employees who need to know that information to provide service to you.
We carefully select and monitor outside providers, such as lenders, who have access to customer information, and we require them to keep it safe and secure. We do not allow them to use or share the information for any purpose other than the job they are hired to do.
We train our employees on these security procedures, and we do conduct regular audits to check on compliance with the procedures.
YOUR OPT-OUT CHOICES
You may tell us not to:
Disclose information about you outside our company, except we may disclose information as required or permitted by law.
Disclose credit data (i.e. financial data we get from credit bureaus or from you that helps us determine your eligibility for credit) about you within our company and lenders.
Solicit you by mail, telephone, or e-mail for services that are not directly related to your application
How To Opt Out
PRIVACY AND SECURITY TIPS TO PROTECT YOUR INFORMATION:
Protect your information. Keep your personal identification number (PIN) and passwords in a safe place. Try to memorize your PIN and passwords and do not write them down with your account information.
Destroy or securely store all you account records: Tear or shred receipts, bank statements, and unused credit card offers. Keep billing statements and other account information in a safe place.
Regularly review your credit report: order your credit report at least once a year and report any mistakes to the credit bureau agency and the company reporting the information. Keeping your credit report error free is very important. Sometimes there is a small fee for your credit report, but if you have been denied credit within the last 60 days, the credit report is free.
The three national credit bureau agencies are:
Check all your billing statements: Review the statement thoroughly. Call all creditors immediately if you notice any incorrect transactions If you lose your credit card(s) or suspect you have been a victim of identity theft, immediately notify the creditors, local law enforcement, and the credit bureaus listed above.
If you think your identity has been stolen, you may want to visit http://www.consumer.gov/idtheft/ sponsored by the Federal Trade Commission.
Date last revised 3/2/06