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.
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.
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.
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.
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.
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 nonpublic 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.
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
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