Privacy Policy
(CalOPPA, CA Bus. & Prof. Code §§ 22575-22579)
Note: To refer to Mountain West Financial’s other privacy policies, please see the following:
Federal Gram-Leach Bliley Privacy Policy, please click GLBA
California Consumer Privacy Act Policy (CA Civ. Code 1798.100 - 1798.199), please click CCPA
Customer experience and service is very important to us. As we continue to improve and expand our services, we recognize our customers need and desire to preserve their privacy and confidentiality. Safeguarding our customers’ privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers’ nonpublic personal information. It is important for you to understand what information we may receive and how we may use it. When you visit our website, you are accepting the terms and practices described in this privacy policy. This policy sets forth general guidance and does not constitute a contract or amend any agreements we have with our customers. Please take a moment to read this privacy policy. The following Statement affirms our continued efforts to safeguard customer information.
Information We Collect
We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
- Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
- Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
- From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
We may collect information about you in written, oral or electronic form. The types of information about you that we may collect include your name, address, phone number, email address, social security number, employer name and address, work history, income, assets, debts, credit history and other information we may need to process your mortgage loan application and fund or service your loan.
Our Use of Information We Collect
Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of MWF and its employees, users of the Site, or the public.
Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.
In the event you submit a mortgage loan application, your information will be shared with affiliates and third parties as required by law. Where applicable, you may opt out of sharing with affiliates. See your application or annual disclosure documents for more information.
Mountain West Financial, Inc does not sell personal information it collects through its website or webforms.
Use of Our Website
In general, you can visit our website without telling us who you are or revealing any information about yourself. Our web servers may seek (as many websites do) to place a "cookie" (a small data file) on your computer's hard drive that allows the server to determine the computer when it visits again, in order to track statistical information about navigation to and throughout certain areas of our site. This cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation. If you prefer not to accept cookies, you can set your web browser to reject them or to alert you before one is placed.
We may also gather data about visits to our website, including domain name, length of time on our website and other data to assist us in evaluating the usefulness of our site and so that we can provide more efficient service in the future.
In addition, some areas of our website may request personal information from you, such as information necessary to process your loan inquiry or to provide you with certain information you request.
Our website is not intended for persons under 13 years of age. We do not knowingly solicit or collect personal information from or about children, and we do not knowingly market our products or services to children.
Access to Collected Information
You may review, correct and update the information that you provide to us by contacting us as described below. Please contact us if there is incorrect information in any documents or other communications that you receive from us.
Security
Mountain West Financial employs industry-standard security measures designed to protect against the loss, misuse, or alteration of personally identifiable information under our control. Unfortunately, no security system, or system of transmitting data over the Internet, can be guaranteed to be 100% secure. Therefore, while we employ industry-standard security measures to protect your personally identifiable information, we cannot guarantee the security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the site.
SMS Terms of Use
Mountain West Financial, Inc also known as MWF Home Loans, Diversity Home Lending, Seabright Mortgage, Regal Mortgage of the High Desert, Mortgage West Financial, and MortgageSquared offers you the option to engage in SMS text conversations about your interest in obtaining a home loan or your mortgage loan application. By participating, you also understand that message frequency may vary depending on the status of your application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help.
By opting-in to receiving SMS text messages about your interest in obtaining a home loan or mortgage loan application, you acknowledge and agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing you with updates and information related to your application. We are committed to protecting your privacy and shall not share or sell your consent data, mobile numbers, or personal information to third parties under any circumstances.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Social Media Terms of Use
Use of our pages & profiles on any social media sites must comply with that platforms terms of use. Any activity deemed outside those terms will be reported or deleted at the disgression of Mountain West Financial. Social Media platforms are not deemed the appropriate place for complaints, account questions, status related questions or payment history. To direct these to the appropriate party, please visit the "Client Feedback" page of our website.
We’re here on Facebook to provide you with updates, financial tips, and other mortgage lending information. While we love your engagement and comments, our Facebook page is NOT a customer service channel. If you need help with a loan application or existing loan with us, we have lots of great staff ready and able to help you at (888) 793-6470 (toll free from landlines) or info@mwfinc.com. Thanks so much for your understanding!
This page, and links to the Mountain West Financial, Inc. (MWF) pages, are presented by MWF. Facebook.com, LinkedIn.com, Twitter.com, Instagram.com, google.com/+ are owned by a third parties unaffiliated with MWF. MWF is not responsible for the privacy or security policies at this site or other third party sites that may be linked to by this page or other Facebook.com pages. We urge you to review the privacy and other policies of each website that you visit. MWF does not endorse and is not responsible for any ads that the social media platforms may place on pages, or for the content, products, advice, opinions, recommendations or other material of third party sites or other pages on Facebook, LinkedIn, Twitter, Instagram, Google+ or any other social media platforms.
How to Contact Us
If you have any questions about this privacy policy, you can call, write or email us at our corporate office address and number shown in the "State Licensing" page of our website. We welcome your questions and suggestions about our privacy policy.
Links to Other Websites
The Site may contain links to Web sites owned by third parties. If you link to any such Web site, any information you disclose on that site is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others. Any Site link to a Web site owned by a third party does not constitute an endorsement, approval, association, sponsorship, or affiliation with the linked site unless specifically stated.
Changes to This Policy
Periodically, we may revise our privacy policy, and will post the revised policy on our website so that you are always aware of our privacy policy and our practices regarding the collection and use of information. Use of personal information that we gather now is subject to our privacy policy in effect at the time of use. Please check this privacy policy periodically to inform yourself of any changes. At all times, you may view our current policy on our website or contact us as described above for a copy.
Patriot Act Disclosure
To help the United States government prevent fraud and fight the funding of terrorism, money laundering and related activities, Federal law requires that we obtain, verify and record information that identifies each person who applies for a mortgage loan through this website. We will ask you for your name, address, date fo birth, and other identifying information. We may also inspect your driver's license or other identifying documents. If you fail or refuse to provide such information, we may decline to open account or establish or continue a customer relationship with you.
Revised 03/2024
