We Respect Your Privacy
Cornerstone Mortgage, Inc. respects your privacy and is committed to treating your information responsibly. We believe that many customers appreciate the offer of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us, and that you expect privacy and security for your personal and financial affairs.
Cornerstone Mortgage, Inc. will collect nonpublic personal information about you only when we reasonably believe that the information will be necessary and useful in processing or administering your loan; or providing products, services and other opportunities that we think will be of interest to you. In this notice, the term nonpublic personal information refers to information about you that we receive from the sources described below and that is not otherwise lawfully available to the general public. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on your application or other forms, such as your name, social security number, assets, and income;
- Information about your transactions with us, our affiliates, or others; such as your account balance, payment history, parties to transactions;
- Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.
Information Sharing Permitted By Law
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law. For example:
- In response to a subpoena;
- When we are authorized by you, in writing, to disclose to a third party from whom you wish to receive a service or product;
- When we share information about experiences and transactions with you with one of our affiliates.
If you have a joint account with us (i.e. you have a co-borrower), you should share this notice with the person who shares the account. He or she may not get a separate notice.
Our Former Customers
After you are no longer a customer of Cornerstone Mortgage, Inc., we will continue to treat your nonpublic personal information as if you were still our customer.
Maintenance of Accurate Information
We have established procedures designed to ensure that your nonpublic personal information is as accurate and complete as possible, and is in accordance with reasonable commercial standards. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 800-965-9910 or 314-995-9919 or sending a written inquiry to us at 17280 N Outer 40 Rd Suite 100 Chesterfield, MO 63005. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.
Confidentiality and Security
One component of our online security system is our Secure Socket Layer (SSL) encryption. When you visit pages requesting or presenting sensitive personal or financial data, we will encrypt the information, preventing third parties from accessing it in transit. (Look for the lock icon on your browser.) We utilize 128-bit encryption in order to protect your personal information.
Because of our Security System, you will need to use a browser that supports SSL encryption if you wish to take advantage of the features and functionalities of our web site. The browsers currently supported are Microsoft Internet Explorer 5 and greater and Netscape 4.7 and greater.