• Privacy Policy

  • How We Obtain Personal Information

    Mortgage Ready Inc, { MRI } relies on many sources of information to understand and meet your needs. We may receive personal information about you from:

    • You directly, when you complete an application or when you visit us in person, over the phone, through the mail or through our websites;
    • Your transactions with any of the companies in the MRI family;
    • Consumer reporting agencies;
    • Mortgage, Title, appraisal or other companies connected with a financial product or service involved in the sale or purchase of your home;
    • Your employer;
    • Anyone who you have authorized to provide information; and
    • Other sources, in connection with providing you a financial product or service.

    Although we do not receive personally identifiable information from your browser, we monitor and store certain types of information about visitors to our website–namely, the type of browser used, their country, whether they were referred to us by a search engine, which of our pages they visit, and how those pages perform on their computer. This helps MRI make decisions on how to better design, streamline, and improve performance on our websites. If you do not want this information monitored, you may turn off JavaScript. Please be advised, however, that the websites may not provide full functionality if those settings are turned off.

    We also use “cookie” technology to improve your experience on our site. For details on our cookie policy, please see our website.

    We do not knowingly collect Personal Information from children and will destroy such information if it is disclosed to us without proper parental consent.

    Information Sharing within the MRI Family of Companies

    To provide you with the full range of financial, relocation, and moving services you may need, MRI takes an integrated approach to the services we provide. In order to be able to provide a full range of services for your needs and make recommendations about a variety of the services offered by MRI, we may share Personal Information among the MRI family of companies.

    Information Sharing with Non-MRI Family Companies

    Depending on the type of services you are to receive, MRI may work with and provide your information to companies or persons outside of the MRI family to provide those services to you. For example, MRI may share personal information to:

    • service and support our operations generally and to support your account and services that we provide to you, including proposed or actual financing, securitization, secondary market sale, or similar transactions.
    • process or administer a transaction or product in connection with a product or transaction that you have requested;
    • data storage and processing;
    • those you have authorized us to disclose the information;
    • other suppliers with whom we have agreements to offer services to you through or with MRI;
    • other suppliers with which we jointly market or provide products or services.

    We may also share your Personal Information with these other organizations outside of the MRI family when required by law. For example, we may share personal information to:

    • protect against fraud;
    • respond to a subpoena or summons; or
    • respond to law enforcement or regulatory authorities.

    We will not disclose your Personal Information to anyone outside of MRI unless you have authorized us to do so or as otherwise indicated in this Policy or as required by law.

    We maintain agreements with our external suppliers limiting the use of your Personal Information only for the purposes you have intended in providing the information. These suppliers are bound to uphold our standards and procedures regarding privacy under the terms of our agreements with them.

    Access & Choice

    MRI provides you with a reasonable opportunity to access your own Personal Information, to correct that information if inaccurate, or to have it deleted as appropriate–subject to the exceptions stated below. Reasonable access means, for example, that requests for access are made during normal business hours; that you provide requested identification; and that requests are not excessive in number. If, at any time, MRI denies you access to any Personal Information, we will provide you with reasons for denying access and information about how you may make further inquiries. For instance, MRI reserves the right to deny access to information related to investigations or potential or actual litigation where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy, or where the rights of other individuals would be violated. In order to update your information, please send your request by electronic mail to info@mortgagereadyinc.com.
    You have the right to opt out of any use of your Personal Information at any time. If you opt out of this policy it may affect your receipt of services.

    Data Integrity & Security

    MRI will make every reasonable effort to keep Personal Information accurate while we are using that information to serve you. MRI appreciates your cooperation in maintaining complete and up-to-date Personal Information and will facilitate your efforts in this regard. MRI retains Personal Information for as long as we have determined it is needed for the purposes for which it was received or as required by contractual, record keeping or other legal requirements.

    We limit access to personal information about you to those employees who need to know that information to provide products and services to you. We do not sell your personal information.

    We maintain physical, electronic, and procedural safeguards to protect your Personal Information. We regularly assess security standards and procedures to protect against unauthorized access to Personal Information.

    We store your data on servers that may be located in various countries, but always in compliance with this policy and all applicable data privacy laws and regulations.

    You should always safeguard your own Personal Information by protecting passwords used to access aMRI system and by safely disposing of records and reports no longer needed.

    MRI will notify and work with regulatory and/or law enforcement officials as required by law to address any issues or security breaches where they arise.

    Enforcement

    A. Verification

    Employee training and internal procedures are in place to allow MRI to ensure compliance with its Privacy Policy. MRI provides for regular internal compliance reviews of its privacy practices, and aMRI has a Privacy Office that is responsible for privacy implementation and compliance. For assistance with privacy concerns, you may send comments by electronic mail to info@mortgagereadyinc.com.