This Policy is being provided pursuant to the Requirements of federal and state privacy laws applicable to financial institutions. See our US Consumer Privacy Notice for additional Information.

Our Privacy Pledge

At William Raveis Mortgage, LLC (WRM) we know that your privacy is very important to you and we are committed to protecting it. We value your trust and we want you to know what information we collect, how we use this information, and how we protect it. We treat personal information, that is, non-public information that identifies you, with respect and in accordance with this Privacy Policy and with all applicable laws and regulations. Our employees are trained to respect the importance of maintaining the confidentiality of customer information. We use appropriate security procedures designed to help prevent unauthorized access to customer information. We hope that this Privacy Policy will maintain your trust in us and demonstrate our commitment to protect your personal information.

Our Information Practices

This privacy policy applies to current and former customers of WRM. The following policies and procedures protect the privacy of your information, whether you are a current or former client:

Categories Of Information We May Collect

In the normal course of business, we may collect the following types of information:

• Personal Information you provide on 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, Social Security number, a driver’s license number, a state identification card number, an account number, a credit or debit card number, a passport number, an alien registration number or a health insurance identification number, employment, income, assets, credit, and other household information.
• Information about your transactions with us, our affiliates, and others. This information may include account balances, payment history, and account usage.
• Information collected with your authorization, from consumer credit reports, such as credit relationships and history.
• Information available from external sources, such as publicly available records
• Information gathered from our web sites through on-line forms, site visit data, and on-line information collecting devices such as "cookies" and other tracking technologies.

The collection of this information, often necessary to properly evaluate, maintain, and service your account, may occur at various times while you have an account relationship with us. We make every effort to maintain accurate and complete customer information.

How We Use Your Information

We may share all of the information we collect about you, as described above, with companies outside of WRM who perform marketing services on our behalf or with other financial institutions with which we have joint marketing agreements.

We may also share information with companies outside of the WRM as permitted by law, such as to respond to a subpoena or court order, to prevent fraud or to comply with an inquiry by a government agency.

We will not sell your personal information and we will not permit third parties, with whom we legally share your personal information, to sell, market, or resell your personal information.

Sharing Information With William Raveis Mortgage, LLC Affiliates*

We may share transaction and experience information about you, including identifying information (such as your name and address), and other information permitted by law, within the William Raveis companies network. The William Raveis companies include financial services companies (such as William Raveis Mortgage, LLC) and non-financial services companies (such as real estate brokerage companies, insurance agency and others).

Safeguarding Your Information

Access to customer information is limited to personnel who need the information to perform their job responsibilities. We maintain physical, electronic and procedural safeguards that meet or exceed applicable regulations. We periodically review our security standards, procedures and technology to protect the confidentiality of your Personal Information against unlawful and unauthorized access.

Keeping You Informed With Our Privacy Policy

We will inform you of our privacy policy at least once a year, as long as you remain a customer with WRM. You may also request a copy by writing to: William Raveis Mortgage, LLC, 7 Trap Falls Road, Shelton CT 06484.

* (1) William Raveis Real Estate, Inc., William Raveis-Massachusetts, LLC., William Raveis–Cape Cod, LLC and William Raveis-New York, LLC, William Raveis Affiliates, Inc., William Raveis-New York City, LLC, William Raveis-Palm Beach, LLC, William Raveis-Collier County, LLC, William Raveis-Rhode Island, LLC, William Raveis-Hamptons, LLC, William Raveis-Andover, LLC, William Raveis-Florida, LLC (real estate brokers who provide complete home selling and home finding services, including relocation and employee assistance [collectively hereafter referred to as 'RAVEIS REAL ESTATE BROKERS']); (2) Kelsey-New York, LLC and The Kelsey Company (collectively 'Kelsey'), title abstract and title agencies; and (3) William Raveis Insurance Agency, LLC ('Raveis Insurance'), an insurance agency providing, among other things, homeowners insurance.