WHO IS COVERED BY THE PRIVACY POLICY:
We provide our Privacy Policy to customers when they conduct
business with our company. If we change our privacy policies to permit
us to share additional information we have about you, as described below,
or to permit disclosures to additional types of parties, you will be notified
in advance and be given a choice whether your information will be shared.
This Privacy Policy applies to consumers who are current customers or
former customers.
Changes to this Privacy Policy
If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here or by means of a notice on our home page.
HOW WE GATHER INFORMATION
As part of providing you with financial products or services, we obtain information about you from the following sources:
 |
Applications, forms, and other information
that you provide to us, whether in writing, in
person, by telephone, electronically, or by any
other means. This information may include your
name, address, employment information, income,
and credit references; |
|
Your transaction with us, our affiliates or
others. Our affiliates may include lenders, appraisers,
title/escrow companies. This information may
include your account balances, payment history,
and account usage. |
|
Consumer reporting agencies: this information
may include account information and information
about your credit worthiness. We receive permission
from you in writing to share this information
after the initial on line application. This permission
is received off line. |
|
Public sources. This information may include
real estate records, employment records, telephone
numbers, etc. |
|
For a Joint account, personal information for
both account holders will be collected from the
Primary Account Holder. |
|
INFORMATION WE SHARE
We may provide information about you to third-parties without your consent, as permitted by law, such as:
|
To regulatory authorities and law enforcement
officials |
|
To protect against or prevent actual or potential
fraud , unauthorized transactions, claims, or
other liability |
|
To report account activity to credit bureaus |
|
To consumer reporting agencies- we receive
consent from you to share this information after
the initial online application. This authorization
is received offline. |
|
To respond to a subpoena or court order, judicial
process or regulatory authorities. |
|
In connection with a proposed or actual sale,
merger, or transfer of all or a portion of a
business or an operating unit, etc. |
|
In addition, we provide information about you to our service providers to help us process your application. Our service providers may include lenders, investors, appraisers, title and escrow companies, and credit reporting agencies, etc. After the completion of the online application, you will then be contacted by email or telephone and be given further documents to complete. At this point in the application process you will be required to sign documents that authorize us to share your application information with various lenders, credit reporting agencies, and other third parties that will facilitate the loan process.
The information provided to these service providers may include the categories
of information described above under How We Gather Information limited
to only that which we deem appropriate for these service providers to carry
out
their functions. The information shared with these third parties may not
be used for their own marketing purposes.
We do not provide non-public information about you to any company whose products
and services are marketed unless you authorize us to do so. These providers are
not allowed to use this information for purposes beyond your specific authorization.
We also share information about you within our corporate office. We may share
all of the categories of information we gather about you, including identification
information (such as your name and address), credit reports (such as your credit
history), application information (such as your credit income or credit references),
and information from other third parties (such as your employment history)
By sharing this information in-house we can better understand your financial needs. For example, if you originally obtained a mortgage loan with us, we would know you are a homeowner and may be interested in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a new car. Please see our Choice/Opt out section if you do not wish to receive these offers.
Choice/Opt Out
You may prohibit the sharing of application and third party credit related
information to any third party company at any time. If you would like to
limit disclosures of personal information about you as described in this
notice, you may contact us reference PRIVACY in your
subject area) or postal mail to:
Avrus Financial & Mortgage Services,
Inc.
ATT : Privacy Compliance
2799 NW 2nd Ave
Suite #102
Boca Raton, Fl 33431 |
Please indicate in your correspondence one or more of the following as applies to your requests to the sharing of your personal information to third parties as described in this notice:
| 1. |
Please do not share personal information about
me with non-affiliated third parties. |
| 2. |
Please do not share personal information about
me with any of your affiliates except as necessary
to effect, administer, process, service or enforce
a transaction requested or authorized by myself. |
| 3. |
Please do not contact me with offers of products
or services by mail. |
| 4. |
Please do not contact me with offers of products
or services by telephone. |
|
Note for Joint Accounts: Your Opt Out choices will also apply to other individuals
who are joint account holders. If these individuals have separate accounts, your
Opt Out will not apply to those separate accounts.
SECURITY
The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our applications, we encrypt that information using secure socket layer technology (SSL) To learn more about SSL follow the link at the bottom of our home page.
We follow generally accepted industry standards to protect the personal information submitted to us both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about security on our Web site, you can contact us and reference
PRIVACY in your subject.
COOKIES AND THIRD PARTY TRACKING
A cookie is a small text file that is stored on a users computer for record
keeping purposes. We use cookies on this site. But we DO NOT link the information
we store in cookies to any personally identifiable information you submit
while on our site.
A website may use session ID and/or persistent cookies. A session ID cookie
is one that expires when you close your browser. A persistent cookie remains
on your hard drive for an extended period of time. You can remove persistent
cookies by following directions provided in your Internet browsers help file.
In order to make it easier to navigate out web site, here at
www.avrusmortgage.com we use only session ID cookies. We employ KeyWords on search engines to direct consumers to
www.avrusmortgage.com . We use a third-party tracking service to track a user from the KeyWord link to our site and their navigation on our site and through the online application process. For example, we will know what key word was used to link to our site, how many total links from each KeyWord, and to what sections were navigated on our site once entered. These cookies are not linked or attached to any personally identifiable information and expire when you close our site and exit your browser. The information gained throughout this tracking process is for the sole purpose of tracking success of certain keyword links to our site and volume statistic of use. The information collected is non-personally identifiable information about visitors to our site and is used to improve and enhance the effectiveness of our website.
This privacy statement only covers the use of cookies by
www.avrusmortgage.com.
COMMUNICATIONS FROM THE SITE
When you make application on
www.avrusmortgage.com for a home loan, whether
through our QUICK or COMPLETE options, an immediate email will be sent
thanking you for your application. A confirmation number attached to your
application
will also be included at this time. This is the only communication that
will be sent from
www.avrusmortgage.com. All other communications from Avrus
Financial & Mortgage
Services, Inc., after the initial online application, will be done offline
either by e-mail, phone, face to face, or electronic fax, in accordance
to your personal requests and needs. You may not opt-out of receiving service
related emails.
CUSTOMER SERVICE
www.avrusmortgage.com provides a link to contact Avrus Financial & Mortgage
Services, Inc. Attached to that link is the following information:
Corporate address
Local phone number
Local fax number
Toll free phone number
E-mail address
Also, during regular business hours or 9:00am to 5pm EST, there is a Click Now button
to connect you with a loan specialist.
No customer service is directed from the website. All other communications
from Avrus Financial & Mortgage Services, Inc., after the initial online
application, will be done offline either by e-mail, phone, face to face,
or electronic fax,
in accordance to your personal requests and needs.
CHANGES TO YOUR PERSONALLY IDENTIFIABLE INFORMATION
If your personally identifiable information changes or you no longer desire our
services you may update your information or discontinue our services by e-mailing
our Customer Support at
marn44@aol.com. You may also contact us by telephone or postal mail
at the contact information listed below:
Avrus Financial & Mortgage Services,
Inc.
Att: Customer Support
2799 NW 2nd Ave. Suite #102
Boca Raton, Fl 33431
(561) 394-7100 Customer Service |
LINKS TO OTHER SITES
This website contains links to other sites that are not owned or operated
by Avrus Financial & Mortgage Services, Inc. Please be aware that we, Avrus Financial & Mortgage
Services, Inc, are not responsible for the privacy practices of such
other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that you enter but especially those that collect personally identifiable information.
This privacy statement applies only to information collected by this Web site.
Avrus Financial & Mortgage Services,
Inc.
2799 NW 2nd Ave
Suite #102
Boca Raton, Fl 33431 |
or
call toll-free at (1-866-985-7100) 
;)
