This privacy statement describes how Ark Mortgage (“Ark Mortgage”, “Ark”, “we”, “us,” or “our”) collects and uses the personal information of users and visitors of our website (“user”, “you”, or “your”): arkmortgage.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
Ark Mortgage is committed to protecting your nonpublic personal information at all times. We employ and maintain physical, electronic, and procedural safeguards to ensure your nonpublic personal information is protected.
Since our business is a financial business, our website is not designed to appeal to children under the age of 13. We don’t knowingly attempt to solicit or receive any information from children.
How and why we collect personal information
We collect information specifically by requesting it from you. Generally, this occurs when you register at our website or request information or a service. Ark Mortgage uses your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us.
For the purposes of this Privacy Policy, non-public personal information includes, without limitation, (a) your email address, (b) your first name, (c) your last name, (d) your social security number, and (e) your loan number.
Ark Mortgage collects the following information about you:
- Data, including non-public personally identifiable information, that users provide through optional, voluntary forms on our website.
- Information we collect when you visit our website
We do not access information about your identity while you visit our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us, do we collect any personally identifying information about you.
Updates
This Privacy Policy was last updated 08/22/2024. Please check periodically for changes.
Use of Tracking; Use of IP Addresses
An IP address is a unique number that is automatically assigned to your computer whenever you are browsing the Internet so that your computer may be identified by the main computers, known as “Web servers,” that “serve up” or display webpages. This allows Ark to identify and gather general information and data about you, such as the web pages you view on our website.
Ark Mortgage collects IP addresses for the purposes of system administration and security, to report on aggregated information, and to audit the use of our site. Aggregated information is intended for Ark’s internal use only, and is part of our performance tracking and diagnostic processes. When customers request pages from ArkMortgage.com, our servers log the customers’ IP addresses. We do not link IP addresses to anything personally identifiable, which means that a visitors web session will be logged, but the customer will remain anonymous to us unless they decide to apply for a loan or fill out a form requesting more information from us.
Cookies
Ark Mortgage uses a variety of third-party services to help provide the most streamlined and user-friendly website possible. We also use third parties such as Google Analytics to help us understand how our visitors use our website. These third-parties may collect certain information from your browser (i.e. using cookies and/or your IP address), and may tailor your ads so that you see Guaranteed Rate Ark Mortgage advertisements on other websites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third party partners, visit the Network Advertising Initiative at www.networkadvertising.org/choices.If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked.
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
Access to information
Ark Mortgage will retain your information for as long as your account is active or as needed to provide you mortgage related services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Protecting your personal information and your privacy
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
The security of our users’ information is important to Ark Mortgage. We exercise care in providing secure transmission of your information from your computer to our network. We use industry standard efforts to safeguard the confidentiality of your information. Ark periodically upgrades and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems.
Online applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to anyone at Ark Mortgage.
Compliance with state and federal laws
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.
Session time-outs
When you are logged into your account on our website and are inactive for a period of time, you will be automatically logged out. This security measure reduces the risk of unauthorized access to your account or nonpublic personal information.
Passwords
Ark Mortgage requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.
Does Ark share my personal information with third parties?
As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:
- On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you.
- At your direction and with your consent.
- To communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers.
- As required or permitted by law.
Ark Mortgage reserves the right to disclose account information when there is reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of Ark Mortgage’s rights or property, other users, or anyone else. We may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.
Links to other sites
The Ark Mortgage website may include links to other websites whose privacy practices may differ from ours. If you submit personal information to any of those sites, your information is governed by their privacy statements. Please read the privacy statement of any website you visit.
Contest and sweepstakes
We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.
Notifications from us
When you use the Ark Mortgage website to apply for a loan or create an account, you will receive email notifications from us from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your nonpublic personal information from unauthorized access and to provide you information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to emails that you send us.
Change of control
Your nonpublic personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Ark Mortgage.
Agreement and contact
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Ark Mortgage.
Notification of privacy statement changes
Ark Mortgage reserves the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of Ark’s website following the posting of changes to these terms will mean you accept those changes.
Who do I contact for privacy related issues?
Ark Mortgage
Attn: Compliance
400 Rella Blvd. Suite 300
Montebello, NY 10901
California Privacy Notice
This California Privacy Notice supplements the Ark Mortgage, Inc. Online Privacy Notice and applies solely to visitors, users and others who reside in California.
Categories of Personal Information We May Collect | Examples | Does Ark Mortgage, Inc. Collect this Category of Information? |
Identifiers | Name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, date of birth, telephone number, Social Security number, driver's license number, passport number or similar identifiers | Yes |
Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, any other financial information, or medical information or health insurance information. Some Personal Information included in this category may overlap with other categories. | Yes |
Characteristics of protected classifications under California or federal law | Age, race, ethnicity, citizenship, marital status, veteran or military status | Yes, if you provide this information in connection with a mortgage application or the servicing of your loan. |
Commercial Information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes, as it relates to any loan applications you submit or any of your mortgage loans that Ark Mortgage, Inc. services. |
Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, gait, or other physical patterns, and sleep, health, or exercise data. | No |
Internet or other electronic network information | Browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement | Yes, provided you use our website. |
Geolocation Data | Physical location or movements | No |
Sensory Data | Audio, electronic, visual, thermal, olfactory, or similar informationts | No |
Professional or employment related information | Current or past job history or performance evaluations. | Yes, if you provide this information in connection with a mortgage application. |
Non-public education information | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | No |
Inferences drawn from personal information | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | No |
Sensitive Personal Information | Personal information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s precise geolocation. A consumer’s racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication. A consumer’s genetic data. The processing of biometric information for the purpose of uniquely identifying a consumer. | Yes |
NOTICE AT COLLECTION
Information We Collect
In the past 12 months, we have collected and disclosed for our business purposes each of the following categories of Personal Information: Ark Mortgage, Inc. obtains the categories of information listed above from the following sources:
- Directly from you or your authorized representative
- Third party service providers utilized in connection with the origination, processing and closing of your mortgage application and/or servicing of your loan
- Credit Bureaus
- Appraisers
- Public Record Sources (federal, state or local government);
- Employers
- Website/Mobile App Activity/Social Media
- Advertising networks
- Internet service providers
- Data analytics providers
- Government entities
- Operating systems and platforms,
- Data brokers
Purposes for Collecting Categories of Personal Information Listed Above
We collect, use and share the categories of information identified above for the following purposes:
- To provide mortgage loan origination services to you, including evaluating, processing and closing your loan application.
- To service your loan.
- To provide services in connection with the reason you provided the information. For example, if you provided your name and financial institution in order to make a payment in connection with the servicing of your mortgage loan, then we will use that information to process your payment.
- To communicate with you and respond to your inquiries or requests.
- To maintain our systems and protect against unauthorized access, security incidents, fraud and other malicious or illegal activity.
- To market or advertise services to you.
- To conduct research, analytics or other internal analysis to enhance our services to you.
- Comply with legal and regulatory obligations and to establish, enforce, and otherwise exercise our rights and defend against claims.
- To evaluate or conduct a merger, divestiture restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.
Sale or Sharing of Personal Information and Sensitive Personal Information
Ark Mortgage, Inc. does not sell your Personal Information or Sensitive Personal Information.
In the preceding twelve (12) months, Ark Mortgage, Inc. has disclosed the following categories of personal information for a business purpose:
- Identifiers.
- Personal Information categories listed in the California Customer Records statute.
- Protected classification characteristics under California or federal law.
- Commercial information.
- Internet or other similar network activity.
- Professional or employment-related information.
- Sensitive Personal Financial Information.
We disclosed personal information from one or more categories listed above to:
- Third party service providers
- Joint Marketing Partners (in accordance with applicable law)
- Credit Reporting Agencies
- Operating systems and platforms
- Government agencies as required by law
- Other persons or entities with which you direct us.
We do not knowingly share or sell personal information about consumers under the age of 16.
Retention of Personal Information
The Company retains all Personal Information for so long as is required by law and in accordance with our internal data retention policies. We will not retain your Personal Information for longer than is reasonably necessary for the purposes disclosed in this Notice.
YOUR RIGHTS AND CHOICES
Under the CCPA, California residents have the right to:
- Request the categories of personal information we collected about you.
- Request the categories of sources from which the personal information was collected about you.
- Request the business or commercial purpose for collecting, selling or sharing personal information.
- Request the categories of third parties with whom we share personal information.
- Request the specific pieces of personal information we collected about you.
- Request that a business correct inaccurate personal information.
- Request, subject to certain exceptions, that a business delete any personal information about the consumer which the business has collected from the consumer.
- Direct that a business that sells or shares personal information about the consumer to third parties not to sell or share the consumer’s personal information.
- We do not sell or share your personal information with third parties (excluding service providers, facilitating transactions, for legal purposes and other such permitted circumstances). Therefore, the right to opt-out of sales or sharing is not applicable.
- Direct a business to limit use and disclosure of sensitive personal information.
- We do not use your sensitive personal information except as necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services or to perform other services as permitted under applicable law. We also do not collect or process sensitive personal information with the purpose of inferring characteristics about you using such sensitive personal information. Therefore, the right to limit the use and disclosure of sensitive personal information is not applicable.
- You may exercise these privacy rights conferred by the CCPA without being subject to discriminatory treatment for doing so.
How to Exercise Your Rights
California residents may submit a request under the CCPA through the following methods:
- Call us toll-free at 1-855-920-0594; or
- Complete the fields in the form below.
To submit a request, we are required to verify your identity. Please be prepared to provide us with your first and last name, primary telephone number, e-mail address, and current address. We will match the personal information that you provide to us with personal information that we already maintain about you to verify your identity. We may also need to contact you to confirm your request.
You may also designate an authorized agent to make such requests on your behalf. You have two ways to accomplish that.
- You may provide your authorized agent with written and signed permission to make such requests.
- You may provide your authorized agent with power of attorney pursuant to California Probate Code Sections 4000 to 4465.
Regardless of which option you choose,
- you must (a) verify your identity directly with us, and (b) confirm directly with us that you have given permission to the authorized agent to make such requests, and
- your authorized agent must submit proof that you have authorized him/her/them to make such requests on your behalf. If the authorized agent is unable or unwilling to submit such proof, we may deny such requests
We may not be able to honor each request that we receive. If we are unable to do so, we will respond to let you know the reason(s).
We will not discriminate against you if you choose to exercise any of the rights described in this section.
Note to Consumer: If you experience an error loading the Personal Information Request Form, please refresh your browser and the Form will load properly.
California Personal Information Request Form
Please fill in the fields below to request a copy of the personal data we’ve collected from you.
You may also send a letter to us with the same information as requested above to:
Ark Mortgage
Attn: Compliance
400 Rella Blvd. Suite 300
Montebello, NY 10901
DISCLOSURE FOR CALIFORNIA USERS: ARK MORTGAGE, INC. AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE ARK MORTGAGE, INC. WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT [email protected].
Changes to the California Privacy Notice
We reserve the right to change or update this Notice at any time. When we make changes to this Notice, we will post the revised Notice on this page with a new “Last Updated” date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.