This Site is not intended for visitors under 18 years of age. We do not knowingly solicit or collect personal data from or about people under 18 years of age, nor do we knowingly market our products or services to people under 18 years of age.
PERSONAL DATA WE COLLECT FROM VISITORS
Personal data identifies an individual by, for example, name, address, telephone number, or e-mail address. We may collect the following types of personal data: (1) if you apply for credit, your name, address, social security number, credit history, and financial information. (2) if you send us e-mail or request information, your name, email address, and any other personal data you supply in your e-mail message.
OTHER DATA WE AUTOMATICALLY COLLECT
When you visit the Site, Atlantic Home Loans collects certain non-personal data by various means, one of which is “cookies.” A cookie is an alphanumeric string of text (a unique identifier) that our web-server stores in your computer by means of your web-browser. The cookie allows us to recognize your computer when you revisit the Site. We can then improve your use of the Site, for example by providing quick log-in, displaying only web pages that interest you, and saving you from retyping information in a form. Cookies also allow us to analyze aggregate traffic on the Site, in order to streamline navigation and keep the content fresh for all visitors. You can configure your browser to reject cookies, but doing so may disable some of the Site’s features. Cookies do not contain personal data, nor can they read or transmit any data on your computer’s hard drive. They can, nonetheless, be combined with personal data that you knowingly provide, to create a profile.
Regardless of cookies, all web-browsers transmit the IP address of the computer on which they are running (so that the web-server knows where to send the requested web page). We analyze IP addresses only in extraordinary circumstances to attempt to track hackers.
HOW WE USE THE DATA WE COLLECT
We may use the data that you provide as follows: (1) if you apply for credit, to assess your credit-worthiness (including retrieving credit reports) and to approve or reject your application; (2) if you send us e-mail or request information, to reply to your request. We may also use the data that you provide to help us improve the content and function of the Site or other sites, to better understand our customers and markets, to improve our products and services, to enhance our marketing and promotional efforts, to improve product offerings, and to later contact you, electronically or otherwise, about products or services that we believe will interest you. If required by law, such communications will explain how to “opt out” of receiving future communications. We may collect demographics and interest reports to better understand who our users are. If you want to opt-out, download and install the add-on for your web browser. The Google Analytics opt-out add-on is designed to be compatible with Chrome, Internet Explorer 11, Safari, Firefox and Opera. In order to function, the opt-out add-on must be able to load and execute properly on your browser. For Internet Explorer, 3rd-party cookies must be enabled. Learn more about the opt-out and how to properly install the browser add-on here.
Atlantic Home Loans may share data that you provide under the following circumstances:
- We may share your name, address, and information about your transactions and experiences with us (such as your payment history or other facts about your account) with our affiliates.
- We may also share other personal data that you provide with our affiliates in order to provide you with information about products or services that may interest you.
- Agents and Service Providers– In order to establish, administer, and manage our customers’ accounts, evaluate credit, provide customer service and benefits, process account transactions and account statements, conduct research and analysis, we may disclose personal data to companies that work with us to perform services or business operations on our behalf. We may also share personal data with companies that perform marketing services on our behalf.
- Option for our Consumer Customers: If you are a consumer (as opposed to commercial) customer of Atlantic Home Loans, you may direct us not to share personal data with other third parties, except as permitted by law, by sending an e-mail to Compliance@AtlanticHomeLoans.com
Atlantic Home Loans uses reasonable measures to protect personal data from unauthorized access, deletion, or alteration. Any information you provide on an on-line Atlantic Home Loans form (credit application) is encrypted. Any personal information that Atlantic Home Loans electronically transmits to you at your request is encrypted. E-mail communications are not encrypted. Therefore you should not send any personal data by e-mail.
Atlantic Home Loans does not control and is not responsible for other visitors’ treatment of information that you post on public areas of the Site. For example, such information may be collected and used by others for their own purposes, including sending you unsolicited e-mail.
NOTICES AND REVISIONS
Atlantic Home Loans may revise this Policy from time to time. You should periodically check the revision date to learn of any revisions. Our policy was last revised on March 29, 2017. Your use of the Site at any time is deemed acceptance of the Policy then in effect. If you have questions about this Policy, please send an e-mail to Compliance@AtlanticHomeLoans.com.