Website Privacy Policy
This privacy policy applies to this site www.capitalmort.com and all websites owned and operated by Siwell on which this privacy policy is displayed (such websites referred to hereafter as the “Site”, whether individually or collectively) as well as Siwell. Siwell includes, but is not necessarily limited to the business conducted on the Site and through the following entities, divisions, or brands:
Information We Collect.
a. Personally Identifiable Information: We collect personally identifiable information that can identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number (collectively, “Personally Identifiable Information” or “PII”). PII could also be information you provide on others, such as co-borrowers.
b. Non-Personally Identifiable Information: We also collect information such as demographic data, data about your online activity, and other information which could not be used to identify you (collectively, “Non-Personally Identifiable Information” or “NPII”).
c. Information: PII and NPII are known together as “Information”.
How We Collect Information
a. Information provided by you: Information is collected from you when you enter information in connection with an inquiry into our services. This Information could be provided via an online form, over the phone, or via other means in which you interact with our services.
b. Information from service providers: Information is collected from third party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.
c. Information from cookies and other tracking technologies: Like many websites, we use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other Information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.
How We Use Information
a. In General: We may use Information to:
i. Deliver the products and services you requested
ii. Improve customer service
iii. Improve our Site
iv. Personalize your user experience
v. Communicate with you about products or services that may be of interest to you
vi. Manage our business
Who Do We Share Your Information With?
a. Siwell Inc.: We may share your Information with the Siwell Inc. dba Capital Mortgage Services of Texas.
b. Network Partners: In submitting an inquiry for a loan product or other service provided through this website, you agree that Siwell Inc. may share your Information with lenders and other third parties which provide services to our consumers (including, for example, real estate agents or debt relief companies) in our network (collectively, “Network Partners”) to deliver the products and services your requested. PLEASE NOTE: the Network Partners with which you are matched may retain or use your Information whether or not you use their services. You should contact these Network Partners directly concerning their privacy and information sharing practices.
c. Siwell Vendors: We may share your Information with vendors that perform certain services on our behalf, including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.
d. Other Situations: We may also disclose your information at our sole discretion:
i. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us. ii. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of Siwell, our users, our employees, or others; or to enforce our Site’s terms and condition or other agreements or policies.
iii. In connection with a substantial corporate transaction involving the Siwell Inc. such as a sale of Siwell Inc. or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
iv. In connection with state and/or federal licensing requirements regarding the reporting of Information contained in the loan inquiries we receive from you. You authorize Siwell Inc. to obtain any and all required information from the Network Partners you were matched with in order for Siwell Inc. to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
v. We may share Non-Personally Identifiable Information with third parties in our discretion. 2018
Unsubscribe
a. Unsubscribe: If at any time you do not wish to receive communications from Siwell, you may call 888-718-8684 or go to www.capitalmort.com . There may be an unsubscribe link at the bottom of emails sent from Siwell Inc.
b. Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from Siwell Inc.
Updating and Accessing Your Information
a. The appropriate method(s) for accessing your Information, if any, will depend on which Site or services you have used. Depending on the respective Site or service, you may have the ability to view or edit some of your Information online. If you have submitted a loan request with Siwell Inc., you can update your personal information by calling 806-796-7231 or go to www.capitallmort.com. Our address is 4212 50th Street, Lubbock, TX 79413.
How We Protect Your Information
a. We take what we believe to be industry standard security measures (including physical, electronic, and procedural measures) to help safeguard your Information from unauthorized access and disclosure. We also require employees to comply with information security safeguards, we use encryption in the transmission of your Information between your system and ours, and we use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persona from gaining access to your Information.
b. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your Information, searches, or other communication will always remain secure.
Changes to this Privacy Policy
Siwell Inc. has the discretion to update this privacy policy at any time. When we do, we will revise the date at the bottom of this page. We encourage you to frequently check this page.
for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Visiting our Websites from Outside the United States
The Site is governed by the laws of the United States and is intended for the enjoyment of residents of the United States only. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.
Compliance with Children’s Online Privacy Protection Rule
a. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her PII without the parent/guardian’s consent. If we become aware that we have unknowingly collected PII from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
How to Contact Us
a. If you have any questions about this privacy policy, the practices of any Siwell Inc. dealings, please contact us at:
Favian Barron
Risk Management/Compliance Officer
Siwell Inc., Capital Mortgage Services of Texas
4212 50th Street
Lubbock, TX 79413
Ph: 806-796-7231 ext. 264
Email: favian@capitalmort.com